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0700 1 17 17

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*7171

Short number for mobile users

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+3592 483 1717

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*6777

Remote application for credit products
(for subscribers of mobile operators)

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Digital assistant on UBB Mobile

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Fees and terms

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Exchange rates

Exchange rates

as of 11/12/2024 17:00:13

Cash payment
Non-cash payment
Selling rate
1.96100
1.96000
Buying rate
1.94800
1.94900
BNB fixing
1.95583
Cash payment
Non-cash payment
Selling rate
1.90300
1.90000
Buying rate
1.81900
1.82100
BNB fixing
1.86145
Cash payment
Non-cash payment
Selling rate
2.43900
2.43400
Buying rate
2.31400
2.31800
BNB fixing
2.37191
Cash payment
Non-cash payment
Selling rate
2.15000
2.14800
Buying rate
2.05600
2.05800
BNB fixing
2.10758
БГ
Mortgage loan for current needs

Mortgage loan for current needs

Plan and act big. The mortgage loan for current needs from UBB provides you with funds that you may use to realize your desired projects, under favourable conditions.

Advantages

  • No Application Fee
  • Pre-approval within 1 day
  • Funds for repair works and improvements
Tenor Up to 20 years
Currency BGN
Interest rate from 3.95%* variable interest rate
Amount Up to BGN 200 000

Example

APR 4.35% in case of a loan, equaling BGN 80 000 for a tenor of 240 months, with variable annual interest rate of 3.95% (RIR + 3.70% fixed margin), including the following fees: fee for documents-based analysis of mortgage loan collateral - BGN 250, fee for current account opening - BGN 4.98, property appraisal fee - BGN 300 (per apartment), mortgage obliteration fee - BGN 60, current account maintenance fee - BGN 4.50 per month and annual property insurance premium, calculated as % of the insured amount, equaling the non-repaid loan principal. Total insurance premium due for the loan period - BGN 1184.14(approximate amount). The APR does not include notary fees for mortgage establishment, renewal, change and obliteration, nor the fee for its registration, payable by the Borrower. Repayment in 240 monthly installments, each equaling BGN 482.68; Total amount due BGN  118 722.11; The interest rate has been calculated upon UBB’s RIR of 0.25%. RIR is being amended, based on a Methodology, available on UBB's website.

I want a loan

levа

I want to repay the loan

months

Monthly installment

482.68
levа/month

APR%

The provided information about the Annual Percentage Rate (APR) and the Monthly Loan Installment is tentative and DOES NOT represent a final commercial offer. The calculations have been made on the basis of UBB AD’s effective interest rate terms and conditions for the respective loan. Please, note that the applicable to the loan variable interest rate is being formed of a fixed margin and a Reference Interest Rate, calculated in accordance with the approved by the bank RIR Calculation Methodology, as its value may change over time. The APR calculation includes the expenses for Property Insurance, required under the loan and calculated upon the assumption that the Borrower has chosen to conclude the insurance policy with an insurance company, partner of the Bank. The final loan parameters, tailored to your individual characteristics, you may obtain from our consultants by sending a loan inquiry, visiting a UBB branch or contacting us in a manner, convenient to you.

Tooltip
4.36
%
Variable Interest Rate:
3.95%
Toatl Amount Due:
118721.98 levа

Parameters

Interest Rate

3.95% variable interest rate (RIR 0.25% + 3.70% fixed margin)

 

Loan Tenor up to 20 years
Amount up to BGN 200 000
Collateral Mortgage on a residential property
Application Fee No fee
Fee for documents-based analysis of mortgage loan collateral BGN 250
Property Appraisal Fee

According to the current tariff of the independent appraiser who prepares the appraisal

Prepayment Fee 1% on the prepaid principal until payment of the first 12 installments under the loan
Fee for Current Account Opening BGN 4.98
Loan Account Maintenance Fee

BGN 2.50 per month, with debit card

BGN 4.50 per month, without debit card

Mortgage Obliteration Fee BGN 60
Bonus
Credit card
Property Insurance

It is necessary to insure the collateral for the term of the loan under terms and conditions, determined by the Bank with an insurer, selected by the client.

UBB offers you "Home and Family" Protection insurance programe with comprehensive Property and Life insurance coverage.

Main required documents

  1. Mortgage Loan Application
  2. ID document of the loan applicant/co-debtor
  3. Statement of Income, as per the Bank's template
  4. Documents, certifying the property’s ownership - Title Deed, Purchase-Sale Agreement or such for establishment of a construction right, signed with the State or Municipal Authorities
  5. Certificate of encumbrances on the property over a past period of minimum 10 years - issued by the Registry Agency
  6. Tax assessment certificate for the property - issued by the Municipality, as per the property’s location
  7. Cadastral layout of the property - issued by the local technical office of the Geodesy, Cartography and Cadastre Agency
  8. Bill of Quantities
  9. Certificate of marital status - issued by the municipality’s Civil Registration Office
  10. Certificate of tax liabilities under Art.87, para.6 of the Tax Insurance Procedure Code - issued by the NRA

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Visa and Mastercard international credit cards

Give yourself financial freedom and comfort in your daily life with credit card from UBB.

Utility bill payment

Pay your utility bills in a convenient and easy way

Property Insurance to mortgage loans

Coverage of the most frequent daily events that may seriously damage your property

Life Insurance to Mortgage Loans

Insurance protection for Mortgage Loan borrowers, covering the client's liabilities to UBB

Ubb mobile

With UBB Mobile
you bank on the go

Easy, quick and secure

UBB Mobile is a specialized application for mobile devices – mobile phones and tablets with operational system Android and iOS.

Learn more