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Fees and terms

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as of 01/08/2025 08:26:18

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
1.73200
1.73200
Buying rate
1.64400
1.64400
BNB fixing
1.71504
Cash payment
Non-cash payment
Selling rate
2.30800
2.30800
Buying rate
2.17200
2.17200
BNB fixing
2.25716
Cash payment
Non-cash payment
Selling rate
2.14900
2.14900
Buying rate
2.05000
2.05000
BNB fixing
2.10033
БГ
Mortgage loan for real estate purchase

Mortgage loan for real estate purchase

The key? Tell yourself "I can". Get a mortgage loan from UBB under advantageous terms.  

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  2.28% 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 2.48% for a loan of 250,000 BGN, for 360 months, variable annual interest rate 2.28% (RIR*+ 1.93% fixed surcharge), with the following fees included: fee for documentary analysis of the collateral - BGN 250 / EUR 127.82 ; fee for opening a current account for the "For salary" package BGN 0 / EUR 0 ; for servicing the "For salary" package BGN 4.40 / EUR 2.25 per month; for real estate valuation /per apartment/ BGN 300 300/ EUR 153.39, for cancellation of mortgage BGN 60 / EUR 30.68 .; including annual insurance premium for real estate under Property Insurance, calculated as % of the fixed amount equal to the outstanding principal on the loan - total fixed premium due for the term of the loan – BGN 5 392.67 / EUR 2757.23; The APR does not include notary fees for establishing, renewing, changing and deleting the mortgage and state fee for its registration, payable by the borrower. Payment of 360 monthly installments, each of BGN 959.45/ EUR 490.56. Total debt amount BGN 352 986.89/ EUR 180 478.88.

APR 3.12% for a loan of 80,000 leva, for 360 months, variable annual interest rate 2.80% (RIR*+ 2.45% fixed surcharge), with the following fees included: for documentary analysis of the collateral for a mortgage loan BGN 250. / EUR 127.82 , for opening a current account BGN 4.98 / EUR 2.55 , for real estate valuation BGN 300 EUR 153.39 (per apartment), for mortgage cancellation BGN 60 / EUR 30.68 , for servicing a BGN current account 4.50 / EUR 2.30 monthly and annual property insurance premium, calculated as a % of the loan amount equal to the outstanding principal on the loan. Total insurance premium due for the term of the loan BGN 1763.52 / EUR  901.67 (indicative amount). The APR does not include notary fees for establishing, renewing, changing and deleting the mortgage and state fee for its registration, payable by the borrower. Payment of 360 monthly installments, each of BGN 328.72 / EUR 168.07 Total debt amount BGN 122 336.10 BGN / EUR 62 549.45

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

I want a loan

40903.35
EUR

I want to repay the loan

mths

Monthly installment

435.71
BGN/month

222.77
EUR/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
3.17
%
Variable Interest Rate:
2.8%
Total Amount Due:
107412.41 BGN
54919.09 EUR

* The loan amount in calculator, as well as the sums, indicating costs, have double visualization in Bulgarian leva (BGN) and in euro (EUR) for customer convenience. Presently UBB provides housing and consumer loans only in Bulgarian leva (BGN).

Parameters

Interest Rate

2.28% indicative variable interest rate (RIR 0.35% + 1.93% 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.

 

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 / EUR 1.28 per month, with issued debit card

BGN 4.50 / EUR 2.30 per month, without a debit card issued

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 /EUR 127.82
Property Appraisal Fee According to the current tariff of the independent appraiser who prepares the appraisal

 

Mortgage Obliteration Fee  BGN 60 / EUR 30.68
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.

Additional options:

UBB, in its capacity as an insurance intermediary for UBB PIC, offers an opportunity voluntary to opt-in to a Universal, Professional or a Voluntary  pension Fund fund of UBB Pension Insurance Company EAD.

 

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. 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
  9. Bill of Quantities
  10. Certificate of marital status - issued by the municipality’s Civil Registration Office
  11. Certificate of tax liabilities under Art.87, para.6 of the Tax Insurance Procedure Code - issued by the NRA

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