Mortgage loan for real estate purchase

Exchange rates

as of 14/03/2025 08:26:13

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

1.84200

Buying rate

1.75300

BNB fixing

1.79615

Cash payment

Non-cash payment

Selling rate

2.38800

Buying rate

2.25200

BNB fixing

2.32331

Cash payment

Non-cash payment

Selling rate

2.07700

Buying rate

1.97800

BNB fixing

2.02866

Advantages

Prior approval within 1 day
Loan term up to 30 years
Possibility to obtain additional funds for repair or completion works upon property purchase

Loan amount	above 200 000 BGN
Variable interest rate	2.18%* indicative interest rate under the conditions specified below

Loan amount	up to 1 000 000 BGN
Variable interest rate	2.80% indicative interest rate as per the customer profile

APR example

APR 2.38% for a loan of 250,000 BGN, for 360 months, variable annual interest rate 2.18% (RIR*+ 1.83% fixed margin), with the following fees included: fee for documentary analysis of the collateral - 250 BGN; fee for opening a current account for the "For Salary" package 0 BGN; for servicing the "For Salary" package 4.40 BGN per month; for valuation of real estate /for an apartment/ 300 BGN, for cancellation of a mortgage 60 BGN; with the annual insurance premium of real estate under Property Insurance included, calculated as a % of the fixed amount equal to the outstanding principal on the loan - total fixed premium due for the term of the loan - 5369.69 BGN; The APR does not include. notes. fees for establishment, renewal, change and cancellation of the mortgage and state fee for its registration, payable by the borrower and fees, deductions and other expenses related to insurance in the fund of "Pension Insurance Company UBB" EAD (UBB Pension Insurance)". Payment of 360 monthly installments, each of 946.72 BGN. Total debt amount 348 380.66 BGN.

APR 3.12% for a loan of 80 000 BGN, for 360 months, variable annual interest 2.80% (RIR*+ 2.45% fixed margin), with the following fees included: for documentary analysis of the collateral under a mortgage loan 250 BGN, for opening a current account 4.98 BGN, for valuation of real estate 300 BGN. (for an apartment), for cancellation of a mortgage 60 BGN, for servicing a current account 4.50 BGN per month and an annual insurance premium for real estate, calculated as a % of the deposit amount, equal to the outstanding principal on the loan. Total deposit premium payable for the term of the loan 1763.52 BGN (indicative amount). The APR does not include notary fees for establishing, renewing, changing and canceling the mortgage and the state fee for its registration, payable by the borrower. Payment of 360 monthly repayment installments, each of 328.72 BGN. Total debt amount 122,336.10 BGN.

*The interest rate is calculated at UBB's RIR in the amount of 0.35%. RIR is changed according to the Methodology available on the UBB website.

I want a loan

levа

I want to repay the loan

mths

435.71

levа/month

3.17

Variable Interest Rate:

2.8%

Total Amount Due:

107412.41 levа

Parameters

Interest Rate	2.18% indicative variable interest rate (RIR 0.35% + 1.83% fixed margin) for approved amounts over BGN 200,000, when transferring remuneration from work to an account with UBB, using the "For Salary" payment package and insurance in a Universal, Professional or Voluntary Fund managed by UBB Pension Insurance. 2.80% indicative variable interest rate (RiR 0.35% + 2.45% fixed margin) with the possibility of interest (price) discounts depending on the individual profile of the client
Loan Tenor	up to 30 years
Amount	up to BGN 1 000 000
Collateral	Mortgage on a real estate
Pre-approval	within 1 day, prior to selecting a property for purchase. on-line at eloan.ubb.bg for first time home buyers and for purchasing a new primary home.
Application Fee	No fee
Loan Account Maintenance Fee	BGN 2.50 per month, with debit card BGN 4.50 per month, without debit card
Prepayment Fee	1% on the prepaid principal until payment of the first 12 installments under the loan
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
Mortgage Obliteration Fee	60 BGN
Property Insurance and optional Life Insurance	It is necessary to insure the collateral for the term of the loan, under the terms and conditions determined by the bank, and with an insurer selected by the client. UBB, in the capacity of an insurance agent of DZI, offers you a Property insurance and a Life insurance.

Main required documents

Mortgage Loan Application
ID document of the loan applicant/co-debtor
Statement of Income, as per the Bank's template
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
Certificate of encumbrances on the property over a past period of minimum 10 years- issued by the Registry Agency
Tax assessment certificate for the property - issued by the Municipality, as per the property’s location
Cadastral layout of the property - issued by the local technical office of the Geodesy, Cartography and Cadastre Agency
Documents, certifying the land’s ownership or the establishment of the construction right / obtaining a construction permit, approved architectural designs, Surface Calculation Table, Minutes under Art.181, Para.2 of the Spatial Development Act for reached shell-and-core stage- for the cases in which the provided collateral has not been completed and put into operation
Bill of Quantities
Certificate of marital status - issued by the municipality’s Civil Registration Office
Certificate of tax liabilities under Art.87, para.6 of the Tax Insurance Procedure Code - issued by the NRA