UBB gives you the freedom to refinance your liabilities with other banks and take advantage of the most favourable conditions.
|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.
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.
Worldwide access to your funds. You can effect operations, generate reports on your bank accounts and cards.