Mortgage loan for Energy Efficient Home

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

Interest (price) discounts on loans with variable interest rates may be applied individually for each contract depending on customer profile, regular salary transfer and other products and services used by the borrower with UBB and the other companies of KBC Group in Bulgaria.

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.
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.

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.