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+3592 483 1717

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Fees and terms

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Exchange rates

Exchange rates

as of 08/04/2020 17:00:46

Cash payment
Non-cash payment
Selling rate
Buying rate
BNB fixing
Cash payment
Non-cash payment
Selling rate
Buying rate
BNB fixing
Cash payment
Non-cash payment
Selling rate
Buying rate
BNB fixing
Cash payment
Non-cash payment
Selling rate
Buying rate
BNB fixing
Mortgage loan with a fixed interest rate

Mortgage loan with a fixed interest rate

Plan your dream home with ease and confidence. UBB mortgage loan with a fixed interest rate for the first 3 years gives you a choice to obtain funds for purchase, repair works or construction of the desired home.


  • No Application Fee
  • Fixed interest rate for the first 3 years
  • Pre-approval within 1 day without a selected property

Up to 30 years

Currency BGN
Interest rate

2.95% fixed interest rate for the first 3 years

3.95%* variable interest rate for the remaining period

Amount Up to BGN 500 000


APR of 4.04% in case of a loan, equaling BGN 80 000 for a tenor of 360 months and 2.95% fixed interest rate for the first 3 years and variable interest rate of 3.95% (RIR + 3.75 fixed margin) for the remaining loan period, repayment in 36 monthly installments , each equaling BGN 335.16 for the fixed interest rate period and 324 monthly installments, each equaling BGN 379.67 for the remaining loan period. The following fees are included: credit assessment fee - BGN 200, fee for current account opening - BGN 2, property appraisal fee - BGN 130 (per apartment), mortgage obliteration fee - BGN 60, current account maintenance fee - BGN 2.50 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 2 105.76 (approximate amount). The APR does not include notary fees for mortgage establishment, renewal, change and obliteration, nor the state fee for its registration, payable by the Borrower. Total amount due BGN 136 240.67; The interest rate has been calculated upon UBB’s RIR of 0.2%.


Interest Rate

Promotional interest rate until 30.06.2020

2.95 % fixed interest rate for the first 3 years

3.95% (RIR 0.2% + 3.75% fixed margin) variable interest rate for the remaining period

Loan Tenor up to 30 years
Amount up to BGN 500 000
Collateral Mortgage on a real estate
Application Fee No fee
Credit Assessment Fee BGN 200
Property Appraisal Fee

BGN 130 (per apartment)

BGN 190 (per house)

Prepayment Fee 1% on the prepaid principal until payment of the first 12 installments under the loan
Fee for current account opening BGN 2
Loan Account Maintenance Fee BGN 2.50
Mortgage Obliteration Fee BGN 60
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.


Main required documents

  1. Mortgage Loan Application
  2. ID document of the loan applicant/co-debtor
  3. Statement of Income, as per the Bank's template
  4. 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
  5. Certificate of encumbrances on the property over a past period of minimum 10 years - issued by the Registry Agency
  6. Tax assessment certificate for the property - issued by the Municipality, as per the property’s location
  7. Cadastral layout of the property - issued by the local technical office of the Geodesy, Cartography and Cadastre Agency
  8. 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
  9. Bill of Quantities
  10. Certificate of marital status - issued by the municipality’s Civil Registration Office
  11. Certificate of tax liabilities under Art.87, para.6 of the Tax Insurance Procedure Code - issued by the NRA

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Аdditional funds on your current account up to a pre-agreed limit

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UBB Online

Worldwide access to your funds. You can effect operations, generate reports on your bank accounts and cards.

Ubb mobile

With UBB Mobile
you bank on the go

Easy, quick and secure

UBB Mobile is a specialized application for mobile devices – mobile phones and tablets with operational system Android and iOS.

Learn more