Mortgage loan for refinancing

Advantages

No Application Fee
Attractive conditions
Included insurance of the collateral

Loan amount	above EUR 100 000
Variable interest rate	2.28%* indicative interest rate under the conditions specified below

Loan amount	up to EUR 500 000
Variable interest rate	2.70% indicative interest rate as per the customer profil

Representative examples:

APR 2.35% for a loan of EUR 125,000, for 360 months, variable annual interest rate 2.28% (RIR*+ 1.62% 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 EUR 2.25 / BGN 4.40 per month; for real estate appraisal /per apartment/ EUR 153.39 / BGN 300.00 , for mortgage cancellation EUR 30.68 / BGN 60.00 . 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 EUR 479.73 / BGN 938.27. Total debt amount EUR 173,694.18 / BGN 339,716.29

APR 2.88% on a loan of 40 000 euros for 360 months, variable annual interest rate 2.70% (RIR*+ 2.04 % fixed surcharge) with the following fees included: for opening a current account EUR 2.55 / BGN 4.99, for real estate valuation EUR 153.39 / BGN 300.00 (for an apartment), for cancellation of a mortgage EUR 30.68 / BGN 60.00, for servicing a current account EUR 2.30 / BGN 4.50, monthly. The APR does not include notary fees for establishing, renewing, changing and canceling the mortgage and the state fee for its registration, payable by the borrower. Payment of 360 monthly repayment installments, each of BGN 324.48/EUR 165.9. Total amount due EUR 59 420.68 / BGN 116 216.75

*The interest rate is calculated at UBB's RIR of 0.66%. RIR changes according to the Methodology available on the UBB website.

Parameters

Interest Rate	2.28% indicative variable interest rate (RIR 0.66% + 1.62% fixed margin) for approved amounts over EUR 100,000, when transferring remuneration from work to an account with UBB, using the "For Salary" payment package. 2.70% indicative variable interest rate (RiR 0.66% + 2.04% 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 EUR 500 000 - 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	EUR 2.55/BGN 4.99
Loan Account Maintenance Fee	EUR 1.28/BGN 2.50 per month, with issued debit card EUR 2.30/BGN 4.50 per month, without a debit card issued
Mortgage Obliteration Fee	EUR 30.68/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, in the capacity of an insurance agent of DZI, offers you "Home and Family Protection" insurance programe with comrehensive Property and Life insurance coverage.
Additional options:	UBB, in its capacity as an insurance intermediary for UBB PIC, offers an opportunity voluntary to opt-in to a Universal, Professional or a Voluntary pension Fund fund of UBB Pension Insurance Company EAD.

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