United loan

Advantages

Convenience of repaying only one installment
Option to receive additional funds

Currency	EUR
Tenor	Up to 10 years
Amount	Up to EUR 60 000
Interest rate	Variable interest rate

Example

APR example: 6.45 % for a loan of 12,500 euros for a term of 120 months, variable annual interest rate 5.90%, calculated for the entire period, calculated with a monthly fee on a current account servicing the loan – EUR 2.30/ BGN 4.50. Monthly installment: EUR 138.15/ BGN 270.20 . Total amount due: EUR 16 853.85/ BGN 32 963.27 .

APR example: 7.82% for a loan of 12,500 euros for a term of 120 months, variable annual interest rate 7.20%, calculated for the entire period, calculated with a monthly fee on a current account servicing the loan – EUR 2.30/ BGN 4.50. Monthly installment: EUR 146.43/ BGN 286.39 . General due amount : EUR 17,847.28 / BGN 34,906.25

*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	5.90% variable interest rate (RIR + fixed margin of 5.24%) with payroll and income 7.20% variable interest rate (RIR + fixed margin of 6.54%) without payroll
Minimum tenor	6 months
Maximum tenor	10 years for loan amounts up to EUR 40 000 7 years for loan amounts greater than EUR 40 000
Amount	From EUR 500 up to EUR 60 000 *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	EUR 1.28/BGN 2.50 monthly, with debit card EUR 2.30/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.