• You save on interest expenses under your mortgage loan* – in the cases when the property you purchase has a higher energy rating, you will enjoy an interest rate discount. Thus upon a loan for purchasing with amount BGN 100 000 over a period of 20 years and an interest rate of 2.65%*, you could save on interest expenses equaling BGN 1775.62, when compared with a loan for purchase of the same amount and tenor, but without the interest rate discount for an energy efficient property
• You save on utility bills - the reduced monthly expenses for utility bills leave more disposable funds for you in your monthly budget
• Better quality of life and care for your health – energy efficient homes ensure an environment where you and your family are exposed to less health-related risks (comfort temperature and ventilation, environmentally friendly materials)
• Care for the environment and the future of our planet - the energy consumption of the buildings in Europe reaches up to 40% of the CO2 emissions. Energy efficient homes leave much smaller harmful footprint on the environment and contribute substantially to the effect on climate changes. 

Illustrative example:

*Annual Percentage Rate (APR) of 2.97% upon a variable annual interest rate of 2.65% (RIR*+ 2.30% fixed margin), with applied discount upon a provided Energy Performance Certificate for А, А+ or В class with energy consumption up to 150 kWh/sq.m. with regard to a loan for purchasing residential property in the amount of BGN 100 000 and a tenor of 240 months, with the following fees included: For documents-based analysis of the mortgage loan collateral - BGN 250, for current account opening - BGN 4.98, for real estate appraisal - for apartment BGN 300, for mortgage obliteration - BGN 60, for current account maintenance - BGN 4.50 per month and an annual insurance premium for a real estate, calculated as a % of the sum insured, equaling the outstanding loan principal. Total due insurance premium over the loan period BGN 1427.20 (tentative amount). APR excludes notarial fees for mortgage establishment, renewal, amendment and obliteration and the state fee for mortgage registration, payable by the Borrower. Repayment in 240 monthly installments of BGN 537.25 each. Total amount due BGN 132 059.96 *The interest rate has been calculated upon RIR of UBB equaling 0.35%. RIR is subject to change, based on a Methodology, available in the UBB website.

**Annual Percentage Rate (APR) of 3.12% upon a variable annual interest rate of 2.80% (RIR*+ 2.45% fixed margin), without applied discount with regard to a loan for purchasing residential in the amount of BGN 100 000 and a tenor of 240 months, with the following fees included: For documents-based analysis of the mortgage loan collateral - BGN 250, for current account opening - BGN 4.98, for real estate appraisal - for apartment BGN 300, for mortgage obliteration - BGN 60, for current account maintenance - BGN 4.50 per month and an annual insurance premium for a real estate, calculated as a % of the sum insured, equaling the outstanding loan principal. Total due insurance premium over the loan period BGN 1433.39 (tentative amount). APR excludes notarial fees for mortgage establishment, renewal, amendment and obliteration and the state fee for mortgage registration, payable by the Borrower. Repayment in 240 monthly installments of BGN 544.64 each. Total amount due BGN 133 841.77.

*The interest rate has been calculated upon RIR of UBB equaling 0.35%. RIR is subject to change, based on a Methodology, available in the UBB website.