Mortgage loan for real estate purchase

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	2.23% 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 2.43% for a loan of 250,000 BGN, for 360 months, variable annual interest rate 2.23% (RIR*+ 1.88% 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 5381.20 / EUR 2751.36; 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 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 BGN 953.07 / EUR 487.30 . Total debt amount BGN 350 679.32 / EUR 179 299.49 .

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

BGN

40903.35

EUR

I want to repay the loan

mths

435.71

BGN/month

222.77

EUR/month

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	2.23% indicative variable interest rate (RIR 0.35% + 1.88% 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 / 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.

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

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 Obshta-informatsiya-za-predostavyane-na-krediti-obezpecheni-s-ipoteka-na-fizicheski-litsa-ot-07-04-2023g-11-02-2025g.pdf Obshta-informatsiya-za-predostavyane-na-krediti-obezpecheni-s-ipoteka-na-fizicheski-litsa-ot-07-04-2023g-24-07-2025g.pdf

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APR example

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