Mortgage loan for refinancing

Advantages

No Application Fee
Attractive conditions
Included insurance of the collateral

Loan amount	above 200 000 BGN
Variable interest rate	2.23%* indicative interest rate under the conditions specified below

Loan amount	up to 1 000 000 BGN
Variable interest rate	2.70% indicative interest rate as per the customer profil

Representative examples:

APR 2.42% for a loan of 250,000 BGN, for 360 months, variable annual interest rate 2.23% (RIR*+ 1.88% fixed surcharge), with the following fees included: fee for opening a current account for the "For salary" package BGN 0 / EUR 0 ; for servicing the "For Salary" package BGN 4.40 / EUR 2.25 per month; for real estate valuation /per apartment/ BGN 300 / EUR 153.39 , for cancellation of mortgage BGN 60. / EUR 30.68 The APR does not include notary fees for establishing, renewing, changing and deleting the mortgage and state fee for its registration, payable by the borrower and fees, deductions and other expenses related to insurance in the fund of "Pension Insurance Company UBB" EAD (UBB Pension Insurance)". Payment of 360 monthly installments, each of BGN 953.07 / EUR 487.3 0 Total debt amount BGN 350 429.32 BGN EUR 179 171.67

APR 2.88% on a loan of 80,000 BGN for 360 months, variable annual interest rate 2.70% (RIR*+ 2.35% fixed surcharge) with the following fees included: for opening a current account BGN 4.98 / EUR 2.55 , for real estate valuation BGN 300 / EUR 153.39 (per apartment), for mortgage cancellation BGN 60 / EUR 30.68 , for servicing a current account BGN 4.50 / EUR 2.30 per month. The APR does not include notary fees for establishing, renewing, changing and deleting the mortgage and state fee for its registration, payable by the borrower. Payment of 360 monthly installments, each of BGN 324.48 / EUR 165.9 Total amount due BGN 118 797.10 / EUR 60 739.99

*The interest rate is calculated at UBB's RIR of 0.35%. RIR changes according to the Methodology available on the UBB website.

I want a loan

BGN

40903.35

EUR

I want to repay the loan

mths

431.76

BGN/month

220.76

EUR/month

2.9

Variable Interest Rate:

2.7%

Total Amount Due:

105067.41 BGN
53720.11 EUR

* The loan amount in calculator, as well as the sums, indicating costs, have double visualization in Bulgarian leva (BGN) and in euro (EUR) for customer convenience. Presently UBB provides housing and consumer loans only in Bulgarian leva (BGN).

Parameters

Interest Rate	2.23% indicative variable interest rate (RIR 0.35% + 1.88% fixed margin) for approved amounts over BGN 200,000, when transferring remuneration from work to an account with UBB, using the "For Salary" payment package and insurance in a Universal, Professional or Voluntary Fund managed by UBB Pension Insurance. 2.70% indicative variable interest rate (RiR 0.35% + 2.35% fixed margin) with the possibility of interest (price) discounts depending on the individual profile of the client
Loan Tenor	up to 30 years - mortgage loans for purchase of a real estate
Amount	up to BGN 1 000 000 - for refinancing the purchase of a real estate or land plot
Collateral	Mortgage on a residential property
Application Fee	No fee
Fee for documents-based analysis of mortgage loan collateral	No fee
Property Appraisal Fee	According to the current tariff of the independent appraiser who prepares the appraisal
Prepayment Fee	1% on the prepaid principal until payment of the first 12 installments under the loan
Fee for Current Account Opening	BGN 4.98 / EUR 2.55
Loan Account Maintenance Fee	BGN 2.50 / EUR 1.28 per month, with issued debit card BGN 4.50 / EUR 2.30 per month, without a debit card issued
Mortgage Obliteration Fee	BGN 60 / EUR 30.68
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, in the capacity of an insurance agent of DZI, offers you "Home and Family Protection" insurance programe with comrehensive Property and Life insurance coverage.

Free property insurance with an insurer selected by UBB, when refinancing mortgage loan from other banks.

Main required documents

Mortgage Loan Application
ID document of the loan applicant/co-debtor
Statement of Income - as per the Bank's template
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
Certificate of encumbrances on the property over a past period of minimum 10 years - issued by the Registry Agency
Tax assessment certificate for the property - issued by the Municipality, as per the property’s location
Cadastral layout of the property - issued by the local technical office of the Geodesy, Cartography and Cadastre Agency
Bill of Quantities
Certificate of marital status -issued by the municipality’s Civil Registration Office
Certificate of tax liabilities under Art.87, para.6 of the Tax Insurance Procedure Code - issued by the NRA