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Exchange rates

Exchange rates

as of 09/12/2022 15:15:06

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
Mortgage loan for Energy Efficient Home

Mortgage loan for Energy Efficient Home

We believe in the better future for all of us! Investment in an energy efficient home is an investment in life quality enhancement.

Advantages

• Optimum comfort upon lower costs related utility bills
• Decreased exposure to harmful substances and care for the environment
• Investment in an energy efficient home increases the value of your asset
• Lower interest rate on your mortgage loan

Special offer

Interest Rate Discount

  
With regard to mortgage loans for purchase and for refinancing in the cases when the property you buy is of А, А+ or B energy class and when the mandatory requirement that the primary energy demand should be not more than 150 kWh/sq.m. as per an implemented project has been fulfilled, upon the loan approval the interest rate, determined as per the product parameters and your individual profile, will be reduced by 0.15 % 

You need to present an Energy Performance Certificate or a copy of it.

Benefits for you

  • 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 2.95% upon a variable annual interest rate of 2.65% (RIR*+ 2.45% 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 200, for current account opening - BGN 2, for real estate appraisal -BGN 192, 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 1427.16 (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 537.26 each. Total amount due BGN 131 898.94 *The interest rate has been calculated upon RIR of UBB equaling 0.2%. RIR is subject to change, based on a Methodology, available in the UBB website.

**Annual Percentage Rate (APR) of 3.10% upon a variable annual interest rate of 2.80% (RIR*+ 2.60% 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 200, for current account opening - BGN 2, for real estate appraisal - BGN 192, 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 1433.16 (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 544.66 each. Total amount due BGN 133 680.56 *The interest rate has been calculated upon RIR of UBB equaling 0.2%. RIR is subject to change, based on a Methodology, available in the UBB website.

Energy Performance Certificate

The Energy Performance Certificate is being issued based on the energy demand features of the building, following completion of construction activities and prior to its commissioning.

All newly constructed buildings after 2013 have such Energy Performance Certificates or issued such after fulfillment of certain energy saving measures, or after performance of construction and assembly works, entailing a change in the building’s energy demand features.

Energy Performance Certificates can be obtained from the building’s constructor, from the Municipality as per the building’s location or based on the building’s technical passport. Upon sale of a property the owner is obliged to provide its Energy Performance Certificate.

With multi-family buildings a certificate for a single apartment is being issued based on the certificate, issued for the whole building.

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Mortgage loan for real estate purchase

Your dream home can now be yours with our promotional terms under.

Mortgage loan for refinancing

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