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as of 07/04/2020 17:04:24

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Selling rate
Buying rate
BNB fixing
Cash payment
Non-cash payment
Selling rate
Buying rate
BNB fixing
Cash payment
Non-cash payment
Selling rate
Buying rate
BNB fixing
Cash payment
Non-cash payment
Selling rate
Buying rate
BNB fixing
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.


  • No Application Fee
  • No Credit Assessment Free
  • Included insurance of the collateral
Tenor Up to 30 years
Currency BGN or EUR
Interest rate from 2.80%* variable interest rate
Amount Up to BGN 500 000


APR 2.92% in case of a loan, equaling BGN 80 000 for a tenor of 360 months, variable annual interest rate of 2.80% (RIR+ 2.60% fixed margin) including the following fees: fee of BGN 2 for opening a current account, property appraisal fee BGN 130, 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 328.72; Total Amount Due BGN 119 426.58; 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.


I want a credit amounting to…


I want to redeem the credit for…


Monthly installment



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.



Interest Rate

Promotional interest rates offer by 30.06.2020:


2.80% (RIR 0.2% + 2.60% 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


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 30.06.2020
Property Appraisal Fee

BGN 130 (apartment)


BGN 190 (house)

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 30.06.2020 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

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Ubb mobile

With UBB Mobile
you bank on the go

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

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