Mortgage loan for current needs

Advantages

No Application Fee
Pre-approval within 1 day
Funds for repair works and improvements

Tenor	Up to 20 years
Currency	EUR
Interest rate	from 3.95%* variable interest rate
Amount	Up to EUR 150 000

Example

APR 4.35% for a loan of EUR 40,000 for 240 months, variable annual interest rate 3.95% (RIR* + 3.29% fixed surcharge), including the following fees: for documentary analysis of the collateral under a mortgage loan EUR 127.82 / BGN 249.99, for opening a current account EUR 2.55 / BGN 4.99, for real estate appraisal EUR 153.39 / BGN 300.00 (for an apartment), for mortgage cancellation EUR 30.68 / BGN 60.00, for current account servicing EUR 2.30 / BGN 4.50 per month and annual real estate premium , calculated as a % of the principal amount equal to the outstanding principal on the loan. Total interest payable premium for the term of the loan EUR 592.07 / BGN 1,157.99 (approximate amount). The APR does not include. not . fees for establishing, renewing, changing and deleting the mortgage and state fee for its registration, payable by the borrower. Payment of 240 monthly installments, each of EUR 241.34 / BGN 472.02. Total debt amount EUR 59,380.01 / BGN 116,137.20.

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

Parameters

Interest Rate	3.95% variable interest rate (RIR 0.66% + 3.29% fixed margin)
Loan Tenor	up to 20 years
Amount	up to EUR 150 000
Collateral	Mortgage on a residential property
Application Fee	No fee
Fee for documents-based analysis of mortgage loan collateral	EUR 127.82/BGN 249.99
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
Bonus	Credit card
Property Insurance	It is necessary to insure the collateral for the term of the loan under terms and conditions, determined by the Bank with an insurer, selected by the client. UBB offers you "Home and Family" Protection insurance programe with comprehensive Property and Life insurance coverage.

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