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For companies with annual turnover up to 1 mln BGN

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For companies with annual turnover above 1 mln BGN

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For agri producters

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For freelancers with annual turnover below 1 mln BGN

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0700 117 17

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*7171

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+3592 483 1717

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*6777

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Fees and terms

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Exchange rates

Exchange rates

as of 09/12/2022 13:35:02

Cash payment
Non-cash payment
Selling rate
1.96000
1.95900
Buying rate
1.94850
1.95000
BNB fixing
1.95583
Cash payment
Non-cash payment
Selling rate
1.88260
1.88050
Buying rate
1.81600
1.82100
BNB fixing
1.85933
Cash payment
Non-cash payment
Selling rate
2.30390
2.29890
Buying rate
2.22900
2.23400
BNB fixing
2.26742
Cash payment
Non-cash payment
Selling rate
2.02090
2.01590
Buying rate
1.94800
1.95300
BNB fixing
1.97778
БГ
Investment loan for a real estate purchase, intended for freelancers*

Investment loan for a real estate purchase, intended for freelancers*

Long-term loan to purchase a real estate for your professional activity.

Advantage

  • Long Tenor
  • Pre-approval, prior to appraising the collateral
  • Reduced collateral requirements upon using guarantee instruments
  • Competitive pricing
  • Option to use a VAT credit line
  • Request an online consultation via the UBB Video Banker service

Parameters

Borrowers Freelancers - medical specialists; attorneys at law; public notaries; private enforcement agents; architects, designers, engineers; chartered accountants; auditors, who are:
1. Natural persons;
2. Registered as sole proprietors / partnerships.
Loan Purpose Purchase, construction or repair of a real estate
For refinancing
Currency BGN
Minimum amount BGN 15 000
Maximum amount BGN 500 000
Tenor

Up to 180 months
With EGF - up to 120 months

Grace period - up to 12 months

Repayment Equal monthly principal payments
Collateral

Mortgage on a real estate

Option for using European Guarantee instruments

Interest Variable annual interest rate, formed of UBB’s Reference Interest Rate and a fixed margin
Fees As per the Bank’s Tariff for Business Clients

Required Documents

  • Loan Application and a Declaration of Relatedness with other entities, as per a sample format of the Bank
  • Declaration Statement under COSME*/Declaration EGF**
  • Balance Sheet, Income Statement, current financial statements and a Tax Return of the Borrower for the last 2 years. Current financial statements.
  • Balance Sheet, Income Statement, report on the average staff number for the last year of the related parties as per the SME Act
  • Copies of the ID cards of the company’s representative - borrower/co-debtor/pledgors/mortgagors
  • Decision of the competent body of the company – in the latter capacity as borrower, co-debtor and owner of the collateral, for conclusion of the Loan Agreement
  • Collateral ownership documents
  • Certificate for availability /lack of arrears, issued by the revenue authority as per Art 87, Para 6 of the Tax Insurance Procedure Code

*This guarantee has been provided by COSME and the European Fund for Strategic Investments (EFSI), established by virtue of the Investment Plan for Europe. The aim of EFSI is to support the financing and the applying of productive investments in the European Union, as well as to ensure the growth of access to financing. The Programme is in support of small and medium-sized enterprises with staff number up to 250 employees.

**The EGF guarantee programme has been developed to support liquidity and facilitate access to working capital and investment financing of small and medium enterprises in response to the crisis, caused by the COVID-19 pandemic. The Programme is being implemented by the European Investment Fund with the financial support, ensured through the EGF founding contributions by the member-states.

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