Mortgage loan for real estate purchase

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

Prior approval within 1 day
Possibility to obtain additional funds for repair or completion works upon property purchase.
Advantageous terms

Tenor	Up to 30 years
Currency	BGN
Interest rate	from 2.80%* variable interest rate
Amount	Up to BGN 1 000 000

Example

APR of 3.12% in case of a loan equaling BGN 80 000 with a tenor of 360 months, variable annual interest rate of 2.80% (RIR+ 2.55% fixed margin), including the following fees: fee for documents-based analysis of mortgage loan collateral of BGN 250, fee of BGN 4.98 for opening a current account, property appraisal fee of BGN 300 (per aparment), mortgage obliteration fee of BGN 60, current account maintenance fee of BGN 4.50 per month and an annual property insurance premium, calculated as a % of the insured amount, equaling the outstanding loan principal. Total due insurance premium over the loan period BGN 1763.52(approximate amount). APR does not include the notary fees for mortgage establishment, renewal, change or obliteration, nor the state fee for its registration, payable by the Borrower. Repayment in 360 monthly installments, each equaling BGN 328.72. Total amount due BGN 122 336.10*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

435.71

levа/month

3.17

Variable Interest Rate:

2.8%

Total Amount Due:

107412.53 levа

Parameters

Interest Rate	2.80% variable interest rate (RIR + 2.55% fixed margin)
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
Property 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 offers you "Home and Family Protection" insurance program with comprehensive Property and Life insurance coverage.

Interest (price) discounts on loans with variable interest rates may be applied individually for each contract depending on customer profile, regular salary transfer and other products and services used by the borrower with UBB and the other companies of KBC Group in Bulgaria.

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 Tarifa-za-taksite-i-komisionite-po-krediti-na-fizicheski-litsa.pdf

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