Consumer loan, packaged with other products or services

Closer to your target with a package offer for a consumer loan with a Life Insurance and a payment package. As we believe your plans are worth it!

• Favorable interest rate
• Financing combined with the convenience of additional products and services for everyday banking
• Insurance protection for the loan term

Illustrative example

APR 6.90% for a consumer loan of EUR 22,500. and a term of 120 months at a variable interest rate of 4.80%* with a monthly installment of EUR 236.45 / BGN 462.46 and a total amount due of EUR 30,916.88/ BGN 60,468.16 . Calculated is monthly fee for service on payable package "Comfort" in size on EUR 3.00 / BGN 5.87 and monthly premium by concluded "Life " insurance in insurance company, partner on the bank in size of BGN EUR 18.19 / BGN 35.58. Allowed is that the credit is adopted immediately and in full, the interest and the specified costs are unchanged from their original amount and will apply until the expiration of the specified period.

*The interest rate is calculated at UBB's RIR of 0.66%. RIR changes according to the Methodology available on the UBB website.

Conditions

Interest Rate	4.80% indicative Variable Interest Rate The Variable Interest Rate has been calculated as a sum of a fixed margin and a Reference Interest Rate /RIR/ of UBB for consumer loans in EUR, equaling 0.66%. The up-to-date RIR value and the UBB Methodology for RIR Calculation and Amendment are available in the Useful Documents Section. Please, note that the RIR value may change over time.
Loan Amount	From EUR 22 500 up to EUR 60 000, not intended for refinancing loans in UBB. The maximum loan amount is being determined based on the customer’s individual profile, as per the Bank’s requirements. The required minimum net income is EUR 750.
Tenors	10 years for loans amounting up to EUR 40 000 7 years for loans exceeding EUR 40 000
Life insurance to the loan with DZI	• Protection over the loan tenor • You pay the insurance premiums along with the monthly loan installments See more
Comfort Package	A payment package for daily banking, also including a current account, through which the loan will be repaid. See more
Transfer of labour remuneration to an account with UBB	Monthly proceeds, amounting as a minimum to 70% of the net monthly income, stated by the Borrower in the Loan Application
How to apply	At a UBB office, convenient for you

To obtain a loan under the above parameters the Borrower needs to ensure over the loan tenor monthly transfer of his/her labour remuneration, conclusion and maintenance of a Life insurance with DZI and use of a Comfort package.

Provision of financing requires approval of the loan on the part of the Bank after review of the Borrower’s creditworthiness.

Required Documents

1. ID Card
2. Consumer Loan Application
3. In certain cases, a Statement may be required on your monthly labour remuneration or on that of the co-debtor, if any.