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.
Up to 30 years
|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%.
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.