Plan your dream home with ease and confidence. UBB mortgage loan with a fixed interest rate for the first 3 or 5 years gives you a choice to obtain funds for purchase, repair works of the desired home.
Tenor | Up to 30 years |
Currency | BGN |
Interest rate | 3.45% fixed interest rate for the first 3 years and 2.80%* variable interest rate for the remaining period or 3.65% fixed interest rate for the first 5 years and 2.80%* variable interest rate for the remaining period |
Amount | Up to BGN 1 000 000 |
The example is calculated for a loan of 80,000 BGN for 360 months, with the following fees included: for documentary analysis of the collateral BGN 250 / EUR 127.82, for opening a current account BGN 4.98 / EUR 2.55 , for real estate valuation BGN 300 / EUR (for an apartment), for cancellation of a mortgage BGN 60 / EUR 30.68 , for servicing a current account BGN 4.50 / EUR 2.30 monthly and annual fixed premium on real estate, calculated as a % of the fixed amount, equal to the outstanding principal on the loan.
APR 3.27% on a loan with a 3.45% fixed interest rate for the first 3 years and a variable interest rate of 2.80% (RIR* + 2.45% fixed surcharge) for the remaining term of the loan, payable in 36 monthly installments, each of BGN 357.01 / EUR 182.54 for the period with a fixed interest rate, and 324 monthly repayment installments, each of BGN 331 / EUR 169.24 over the remaining period of the loan. Total premium payable for the term of the loan BGN 1774.39 / EUR 907.23 (approximate amount). Total amount due BGN 124 104.62 / EUR 63 453.68
APR 3.43% on a loan with a 3.65% fixed interest rate for the first 5 years and a variable interest rate of 2.80% (RIR* + 2.45% fixed surcharge) for the remaining term of the loan, payable in 60 monthly installments, each of BGN 365.97 / EUR 187.12 for the period with a fixed interest rate, and 300 monthly repayment installments, each of 333.72 / EUR 170.63 during the remaining period of the loan. Total due premium for the term of the loan BGN 1785.86 / EUR 913.1 0 (approximate amount). Total amount due BGN 126 093.88 / EUR 64470.78
The APR does not include notary fees for establishing, renewing, changing and deleting the mortgage and the state fee for its registration, payable by the borrower. *The interest rate is calculated at UBB's RIR in the amount of 0.35%. RIR is changed according to the Methodology available on the UBB website.
Interest Rate |
3.45 % fixed interest rate for the first 3 years and 2.80% (RIR 0.35% + 2.45% fixed margin) variable interest rate for the remaining period or 3.65 % fixed interest rate for the first 5 years and 2.80% (RIR 0.35% + 2.45% fixed margin) variable interest rate for the remaining period |
Loan Tenor | up to 30 years |
Amount | up to BGN 1 000 000 |
Collateral | Mortgage on a real estate |
Application Fee | No fee |
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 |
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 / EUR 2.55 |
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 |
Mortgage Obliteration Fee | BGN 60 / EUR 30.68 |
Property Insurance | It is necessary to insure the collateral for the term of the loan, under 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. |
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