KBC logo
arrow
contacts icon contacts icon

Contact us

Contact us

phone icon
0700 117 17

Domestic line

mobile icon
*7171

Short number for mobile users

international phone icon
+3592 483 1717

International line

mail icon
Send Inquiry

Send your inquiry via our contact form

locations widget icon locations widget icon

Offices and ATMs

Offices and ATMs

Choose the most convenient office or ATM for you

Online/Mobile Online/Mobile

Online/Mobile

Online/Mobile

tariffs widget icon tariffs widget icon

Fees and terms

rates widget icon rates widget icon

Exchange rates

Exchange rates

as of 20/01/2020 16:28:34

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
1.80565
1.80265
Buying rate
1.72365
1.72665
BNB fixing
1.76439
Cash payment
Non-cash payment
Selling rate
2.35666
2.35166
Buying rate
2.23166
2.23566
BNB fixing
2.29356
Cash payment
Non-cash payment
Selling rate
1.86396
1.85896
Buying rate
1.77796
1.78296
BNB fixing
1.82158
БГ
Mortgage loan for refinancing

Mortgage loan for refinancing

UBB gives you the freedom to refinance your liabilities with other banks and take advantage of the most favourable conditions.

Advantages

  • No Application Fee, no Credit Assessment Free
  • No property valuation fee
  • Included insurance of the collateral
Tenor Up to 30 years
Currency BGN or EUR
Interest rate from 2.95%* variable interest rate
Amount Up to BGN 500 000

Example

APR 3.05% in case of a loan, equaling BGN 80 000 for a tenor of 360 months, variable annual interest rate of 2.95% (RIR+ 2.75% fixed margin) including the following fees: fee of BGN 2 for opening a current account, mortgage obliteration fee - BGN 60, current account maintenance fee - BGN 2.50 per month. APR does not include the notary fees for mortgage establishment, renewal, change or obliteration, nor the state fee for its registration, payable by the Borrower. Repayment in 360 installments, each equaling BGN 335.13; Total Amount Due BGN 121 602.05; The interest rate has been calculated upon UBB’s RIR of 0.2%. RIR is being amended, based on a Methodology, available on UBB's website.

levа
euro

I want a credit amounting to…

levа

I want to redeem the credit for…

months

Monthly installment

441.68
levа/month

APR%

The provided information about the Annual Percentage Rate (APR) and the Monthly Loan Installment is tentative and DOES NOT represent a final commercial offer. The calculations have been made on the basis of UBB AD’s effective interest rate terms and conditions for the respective loan. Please, note that the applicable to the loan variable interest rate is being formed of a fixed margin and a Reference Interest Rate, calculated in accordance with the approved by the bank RIR Calculation Methodology, as its value may change over time. The APR calculation includes the expenses for Property Insurance, required under the loan and calculated upon the assumption that the Borrower has chosen to conclude the insurance policy with an insurance company, partner of the Bank. The final loan parameters, tailored to your individual characteristics, you may obtain from our consultants by sending a loan inquiry, visiting a UBB branch or contacting us in a manner, convenient to you.

Tooltip
3.06
%

Parameters

Interest Rate

Promotional interest rates offer by 31.01.2020:

 

2.95% (RIR 0.2% + 2.75% fixed margin) for loans exceeding BGN 60 000 (inclusive)

 

3.95% variable interest rate (RIR 0.2% + 3.75% fixed margin)

Loan Tenor

up to 30 years - mortgage loans for purchase of a real estate

up to 20 years - mortgage loans for current needs

Amount

up to BGN 500 000 - for refinancing the purchase of a real estate or land plot

up to BGN 200 000 - for refinancing of a loan for current needs, repair works or reconstruction

Collateral Mortgage on a residential property
Application Fee No fee
Credit Assessment Fee *No fee until 31.01.2020
Property Appraisal Fee *No fee until 31.01.2020
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 per month
Mortgage Obliteration Fee BGN 60
Property Insurance

It is necessary to insure  the collateral for the loan period under terms and conditions, set by the Bank, with an insurer, chosen by the client.

UBB offers you "Home and Family Protection" insurance programe with comrehensive Preperty and Life insurance coverage.

Promotional conditions are valid until 31.01.2020 when reginancing mortgage loan from other banks. 

Main required documents

  1. Mortgage Loan Application
  2. ID document of the loan applicant/co-debtor
  3. Statement of Income - as per the Bank's template
  4. Documents, certifying the property’s ownership - Title Deed, Purchase-Sale Agreement or such for establishment of a construction right, signed with the State or Municipal Authorities
  5. Certificate of encumbrances on the property over a past period of minimum 10 years - issued by the Registry Agency
  6. Tax assessment certificate for the property - issued by the Municipality, as per the property’s location
  7. Cadastral layout of the property - issued by the local technical office of the Geodesy, Cartography and Cadastre Agency
  8. Bill of Quantities
  9. Certificate of marital status -issued by the municipality’s Civil Registration Office
  10. Certificate of tax liabilities under Art.87, para.6 of the Tax Insurance Procedure Code - issued by the NRA

Contact us

Visit a branch

Map Branch map

Send request

Ask us about the preferred product and we will give you the needed information.

Send request

Book a meeting

Book a meeting at convenient time and branch.

Branch meeting

Call us

UBB Online

Worldwide access to your funds. You can effect operations, generate reports on your bank accounts and cards.

Utility bill payment

Pay your utility bills in a convenient and easy way

Payment of taxes

Pay in a convenient and easy way your taxes for properties, waste disposal, motor vehicles, etc.

Ubb mobile

With UBB Mobile
you bank on the go

Easy, quick and secure

UBB Mobile is a specialized application for mobile devices – mobile phones and tablets with operational system Android and iOS.

Learn more