Parameters

Interest Rate

• From 5.6% up to 7.2% for loans with a variable interest rate and depending on your individual customer profile and as to whether you will be receiving your salary to an account with UBB.
• 7.4% for loans with a fixed interest rate.

It is important to know that the applicable to the loan variable interest rate is being formed of a fixed margin and a Reference Interest Rate (RIR), which is being calculated in accordance with the approved by the bank RIR Calculation Methodology, available in the Useful Documents section. The RIR value may change over time.

Tenors

• 6 months minimum tenor
• 7 years maximum tenor for loans exceeding BGN 80 000
• 10 years maximum tenor for loans up to BGN 80 000
• 5 years maximum tenor for loans with a fixed interest rate over the entire loan period

Loan Amount

• From BGN 1 000 up to BGN 120 000

The maximum loan amount is being determined on the basis of the customer’s individual profile, as per the Bank’s requirements.

You can use a remote application process via:

• UBB Mobile – for amounts up to BGN 55 000;
• Contact Centre – for amounts up to BGN 80 000;

Maintenance Fee for the account, servicing the loan:

• BGN 2.50 per month, with an issued debit card to it
• BGN 4.50 per month, without an issued debit card to it

Prepayment fee upon a provided loan with a fixed interest rate:

• 1.00 % of the prepaid principal, when the remaining Loan Agreement period is more than 1 year
• 0.5 % of the prepaid principal, when the remaining Loan Agreement period is less than 1 year.