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. Monthly Installment: BGN 270,08. Total Amount Due: BGN 32 949.43.

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. Monthly Installment: BGN  273.80. Total Amount Due: BGN 33,395.99.

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. Monthly Installment: BGN 286.42. Total Amount Due: BGN 34,910.47.

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. Monthly Installment: BGN 290.27. Total Amount Due: BGN 35,372.54.

*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

levа

I want to repay the loan

mths

Salary-secured Loan

571.65

levа/month

5.88

Variable Interest Rate:

5.40%

Total Amount Due:

34569.07 levа

Non Salary-secured Loan

589.8

levа/month

7.25

Variable Interest Rate:

6.7%

Total Amount Due:

35657.94 levа

Parameters

Interest rate	5.40% variable interest rate (RIR + fixed margin of 5.05%) with payroll and income over BGN 1400 5.70% variable interest rate (RIR + fixed margin of 5.35%) with payroll and income up to BGN 1400 6.70% variable interest rate (RIR + fixed margin of 6.35%) without payroll and income over BGN 1400 7.00% variable interest rate (RIR + fixed margin of 6.65%) without payroll and income up to BGN 1400
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 monthly, with debit card BGN 4.50 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.