We believe in the better future for all of us! Investment in an energy efficient home is an investment in life quality enhancement.
• 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
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.
Illustrative example:
*Annual Percentage Rate (APR) of 2.96% upon a variable annual interest rate of 2.65% (RIR*+ 2.55% 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 5, 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 1427.20 (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 131 951.98 *The interest rate has been calculated upon RIR of UBB equaling 0.1%. RIR is subject to change, based on a Methodology, available in the UBB website.
**Annual Percentage Rate (APR) of 3.11% upon a variable annual interest rate of 2.80% (RIR*+ 2.70% 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 5, 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 1433.39 (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 133 733.79.
*The interest rate has been calculated upon RIR of UBB equaling 0.1%. RIR is subject to change, based on a Methodology, available in the UBB website.
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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