United loan

Advantages

Convenience of repaying only one installment
Option to receive additional funds

Currency	BGN
Tenor	Up to 10 years
Amount	Up to BGN 120 000
Interest rate	Variable interest rate

Example

APR example: 5.92% in case of a loan, equaling BGN 25 000 for a tenor of 120 months, variable annual interest rate 5.40% calculated for the entire period, including а loan account monthly maintenance fee - BGN 4.50/EUR 2.30. Monthly Installment: BGN 270.08/EUR 138.09. Total Amount Due: BGN 32,949.43/EUR 16, 846.78.

APR example: 6.23% in case of a loan, equaling BGN 25 000 for a tenor of 120 months, variable annual interest rate 5.70% calculated for the entire period, including a loan account monthly maintenance fee - BGN 4.50/EUR 2.30. Monthly Installment: BGN  273.80/EUR 139.99. Total Amount Due: BGN 33,395.99/EUR 17,075.10.

APR example: 7.28% in case of a loan, equaling BGN 25 000 for a tenor of 120 months, variable annual interest rate 6.70% calculated for the entire period, including a loan account monthly maintenance fee - BGN 4.50/EUR 2.30. Monthly Installment: BGN 286.42/EUR 146.44. Total Amount Due: BGN 34,910.47/EUR 17,849.44.

APR example: 7.60% in case of a loan, equaling BGN 25 000 for a tenor of 120 months, variable annual interest rate 7% calculated for the entire period, including a loan account monthly maintenance fee - BGN 4.50/EUR 2.30. Monthly Installment: BGN 290.27/EUR 148.41. Total Amount Due: BGN 35,372.54/EUR 18,085.69.

*The interest rate has been calculated upon UBB’s RIR of 0.35%. RIR is being amended, based on a Methodology, available on UBB's website.

I want a loan

BGN

15338.76

EUR

I want to repay the loan

mths

Salary-secured Loan

571.65

BGN/month

292.28

EUR/month

5.88

Variable Interest Rate:

5.40%

Total Amount Due:

34569.07 BGN

17674.88 EUR

Non Salary-secured Loan

589.8

BGN/month

301.56

EUR/month

7.25

Variable Interest Rate:

6.7%

Total Amount Due:

35657.94 BGN

18231.62 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	5.40% variable interest rate (RIR + fixed margin of 5.05%) with payroll and income over BGN 1500 5.70% variable interest rate (RIR + fixed margin of 5.35%) with payroll and income up to BGN 1500 6.70% variable interest rate (RIR + fixed margin of 6.35%) without payroll and income over BGN 1500 7.00% variable interest rate (RIR + fixed margin of 6.65%) without payroll and income up to BGN 1500
Minimum tenor	6 months
Maximum tenor	10 years for loan amounts up to 80 000 BGN 7 years for loan amounts greater than 80 000 BGN
Amount	From BGN 1 000 up to BGN 120 000 *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
Loan Account Maintenance Fee	BGN 2.50/EUR 1.28 monthly, with debit card BGN 4.50/EUR 2.30 monthly, without debit card
Borrower's age	20 - 65 years

Interest (price) discounts on loans with variable interest rates may be applied individually for each contract depending on the customer profile and other products and services used by the borrower with UBB and the other companies of KBC Group in Bulgaria.