Mortgage loan for current needs

Exchange rates

as of 09/01/2025 12:34:28

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

1.93800

1.93500

Buying rate

1.85400

1.85600

BNB fixing

1.89794

Cash payment

Non-cash payment

Selling rate

2.39900

2.39400

Buying rate

2.27400

2.27800

BNB fixing

2.33370

Cash payment

Non-cash payment

Selling rate

2.12400

2.12200

Buying rate

2.03000

2.03200

BNB fixing

2.08133

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

mths

482.68

levа/month

4.36

Variable Interest Rate:

3.95%

Total 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

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
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

Print list

Useful documents

Tariff for Fees and Commissions for Individuals INTEREST RATES TARIFF FOR ACCOUNTS OF INDIVIDUALS Methodology for calculation and aplication of RIR Retail in effect as form 07.04.2023 Current RIR values according to the Methodology for calculation of the reference interest rate of UBB ad for loans to individuals in effect as from 07.04.2023 Sravnitelna-tablica-za-izbor-na-imot-5.pdf Tarifa-za-taksite-i-komisionite-po-krediti-na-fizicheski-litsa.pdf

Contact us

Visit a branch

Branch map

Send request

Ask us about the preferred product and we will give you the needed information.

Send request

Book a meeting

Book a meeting at convenient time and branch.

Branch meeting

Contact us

Offices and ATMs

Online/Mobile

Fees and terms