United loan

Advantages

No Application Fee
No Credit assessment fee
Convenience of repaying only one installment
Option to receive additional funds

Currency	BGN
Tenor	Up to 10 years
Amount	Up to BGN 55 000*
Interest rate	4.7% with payroll 5.7% without payroll

Example

APR example: 5.07% in case of a loan, equaling BGN 20 000 for a tenor of 120 months, variable annual interest rate 4.7 % calculated for the entire period, including loan account monthly maintenance fee - BGN 2.50. Monthly Installment: BGN 209.21. Total Amount Due: BGN 25 405.25.

APR example: 6.12% in case of a loan, equaling BGN 20 000 for a tenor of 120 months, variable annual interest rate 5.7% calculated for the entire period, including loan account monthly maintenance fee - BGN 2.50. Monthly Installment: BGN 219.04. Total Amount Due: BGN 26 584.79

Parameters

Interest rate	4.7% variable interest rate (RIR + fixed margin of 4.5%) with payroll 5.7% variable interest rate (RIR + fixed margin of 5.5%) without payroll
Minimum tenor	6 months
Maximum tenor	10 years
Amount	Up to BGN 55 000* - For loans exceeding BGN 35 000 with net monthly income exceeding BGN 1200 - For loans exceeding BGN 55 000 with net monthly income exceeding BGN 2000 and a tenor of up to 7 years *Possibility for a loan up to BGN 70 000, with maximum tenor of up to 7 years. For loans exceeding BGN 35 000 minimum net monthly income, equaling BGN 1200, is required. For loans exceeding BGN 55 000 minimum net monthly income, equaling BGN 2000, is required. The maximum amount of the loan is determined on the basis of the client's individual profile, according to the Bank's requirements.
Collateral	No collateral
Application fee	No fee
Credit assessment fee	No fee
Loan Account Maintenance Fee	BGN 2.50 per month
Borrower's age	20 - 65 years