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Fees and terms

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as of 07/06/2023 17:00:24

Cash payment
Non-cash payment
Selling rate
Buying rate
BNB fixing
Cash payment
Non-cash payment
Selling rate
Buying rate
BNB fixing
Cash payment
Non-cash payment
Selling rate
Buying rate
BNB fixing
Cash payment
Non-cash payment
Selling rate
Buying rate
BNB fixing
Mortgage loan for real estate purchase

Mortgage loan for real estate purchase

Hand in hand in finding your dream home. Get a mortgage loan from UBB under advantageous terms and a smart present * with every drawn down mortgage loan for residential purchase over the period 01.05.2023 - 30.06.2023 or until depletion of available quantities.  


  • Prior approval within 1 day
  • No application fee
  • Possibility to obtain additional funds for repair or completion works upon property purchase.
  • Advantageous terms and a smart present*

*Smart bulb with every drawn down mortgage loan for residential purchase over the period 01.05.2023 - 30.06.2023 or until depletion of available quantities.

Tenor Up to 30 years
Currency BGN
Interest rate  from 2.80%* variable interest rate
Amount Up to BGN 800 000
Bonus Credit card


APR of 3.11% in case of a loan equaling BGN 80 000 with a tenor of 360 months, variable annual interest rate of 2.80% (RIR+ 2.70% fixed margin), including the following fees: fee for documents-based analysis of mortgage loan collateral of BGN 250, fee of BGN 5 for opening a current account, property appraisal fee of BGN 192, mortgage obliteration fee of BGN 60, current account maintenance fee of BGN 4.50 per month and an annual property insurance premium, calculated as a % of the insured amount, equaling the outstanding loan principal. Total due insurance premium over the loan period BGN 1763.52(approximate amount). APR does not include the notary fees for mortgage establishment, renewal, change or obliteration, nor the state fee for its registration, payable by the Borrower. Repayment in 360 monthly installments, each equaling BGN 328.72. Total amount due BGN  122 228.12*The interest rate has been calculated upon UBB’s RIR of 0.1%. RIR is being amended, based on a Methodology, available on UBB's website.


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The provided information about the Annual Percentage Rate (APR) and the Monthly Loan Installment is tentative and DOES NOT represent a final commercial offer. The calculations have been made on the basis of UBB AD’s effective interest rate terms and conditions for the respective loan. Please, note that the applicable to the loan variable interest rate is being formed of a fixed margin and a Reference Interest Rate, calculated in accordance with the approved by the bank RIR Calculation Methodology, as its value may change over time. The APR calculation includes the expenses for Property Insurance, required under the loan and calculated upon the assumption that the Borrower has chosen to conclude the insurance policy with an insurance company, partner of the Bank. The final loan parameters, tailored to your individual characteristics, you may obtain from our consultants by sending a loan inquiry, visiting a UBB branch or contacting us in a manner, convenient to you.

Variable Interest Rate:
Toatl Amount Due:
107 304.55 levа
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Interest Rate

2.80%  variable interest rate (RIR + 2.70% fixed margin)

Loan Tenor up to 30 years
Amount up to BGN 800 000
Collateral Mortgage on a real estate
Pre-approval Within 1 day, prior to selecting a property for purchase
Application Fee No fee
Loan Account Maintenance Fee

BGN 2.50 per month, with debit card

BGN 4.50 per month, without debit card

Prepayment Fee 1% on the prepaid principal until payment of the first 12 installments under the loan
 Fee for documents-based analysis of mortgage loan collateral BGN 250
Property Appraisal Fee According to the current tariff of the independent appraiser who prepares the appraisal


Property Insurance It is necessary to insure the collateral for the term of the loan, under the terms and conditions determined by the bank, and with an insurer selected by the client. UBB offers you "Home and Family Protection" insurance program with comprehensive Property and Life insurance coverage.

Main required documents

  1. Mortgage Loan Application
  2. ID document of the loan applicant/co-debtor
  3. Statement of Income, as per the Bank's template
  4. 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
  5. Certificate of encumbrances on the property over a past period of minimum 10 years- issued by the Registry Agency
  6. Tax assessment certificate for the property - issued by the Municipality, as per the property’s location
  7. Cadastral layout of the property - issued by the local technical office of the Geodesy, Cartography and Cadastre Agency
  8. Documents, certifying the land’s ownership or the establishment of the construction right / obtaining a construction permit, approved architectural designs, Surface Calculation Table, Minutes under Art.181, Para.2 of the Spatial Development Act for reached shell-and-core stage- for the cases in which the provided collateral has not been completed and put into operation
  9. Bill of Quantities
  10. Certificate of marital status - issued by the municipality’s Civil Registration Office
  11. Certificate of tax liabilities under Art.87, para.6 of the Tax Insurance Procedure Code - issued by the NRA

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UBB Video consultation

General Terms of United Bulgarian Bank AD for using the UBB Video Meeting service

1. These General Terms shall regulate the use of the UBB Video Meeting service (hereinafter referred to as „The Service“), offered by United Bulgarian Bank AD, Company ID Number 000694959, having its seat and registered office at the following address: Sofia, postal code 1463, 89B, Vitosha Blvd. (referred to hereinafter as „The Bank“).

2. The Service shall be intended for current and potential clients of the Bank, natural persons who shall use it outside the scope of their professional or business activity (“User/s”). By accepting the current General Terms, the User shall declare that he/she shall not use the Service in another capacity.

3. By means of the Service Users may obtain general information and consultation about parameters and terms of payment and credit products and services, offered by the Bank via a video and/or audio connection with a Bank employee. The Service shall be available to Users Monday to Friday from 08:30 until 18:30 h.

4. The Service shall not provide pre-contractual information about the Bank’s products, shall not be used to conclude contracts and shall not deliver remote payment and/or financial services, shall not offer advice within the meaning of Chapter 8 of the Consumer Real Estate Loans Act, and shall not make and/or accept statements, binding the User and/or the Bank. By using the Service, the User shall declare and agree explicitly that statements and information provided by the Bank’s employee through the Service shall be for information purposes only and shall not in any way be binding to the Bank, neither shall they be interpreted as a commitment of the Bank to enter into and/or amend contractual relations with the User and/or provide certain conditions for products offered, nor shall they represent investment advice for investment or other services, related to financial instruments.

5. Before stating the use of the Service the User shall be obligated to become fully acquainted with the current General Terms and shall have to accept them by marking (clicking) his/her acceptance in the consent field. Failure on the part of the User to agree with the current General Terms shall result in the Bank’s non-delivery of the Service.

6. By marking the consent field regarding personal data processing before starting the Service, the User shall provide his/her consent to the Bank’s processing the voluntarily provided information, including video image, constituting personal data within the meaning of the General Data Protection Regulation (GDPR) and the Personal Data Protection Act (PDPA). The User shall be informed that his/her personal data shall be processed by the Bank in its capacity as a personal data controller in line with the requirements of the effective personal data protection legislation and the Information by UBB AD regarding personal data processing. Failure on the part of the User to mark the consent field regarding personal data processing, shall result in the Bank’s non-delivery of the Service.

7. The Service shall be accessible for use on the web-site of the Bank https://www.ubb.bg/videomeeting[ENR1] where Users may submit a request for a video and/or audio connection, or for sharing a screen with a Bank employee. The duration of the connection shall be up to 45 minutes, unless the Bank employee decides otherwise. In order to use the Service, the Users should have at their disposal devices, meeting the requirements referred to in Appendix 1 of the current General Terms.

8. In case the User fails to establish a video and/or audio connection with a Bank employee due to lack of an available expert or for reason of requesting the use of the Service outside the time allocated to Service delivery, the said User shall have the opportunity to fill in a contact form with the aim to be rendered the Service subsequently and provide a telephone number or an e-mail address. Upon initiating a video meeting on the part of the Bank, the User of the Service shall receive a link by e-mail, directing him/her to a video conference platform for setting up a video and/or audio connection with the Bank. Upon initiating a meeting on the part of the User of the Service by clicking on the link, the User shall express his/her unconditional agreement with the current General Terms.

9. The Bank shall record and store data of the video and/or audio connection conducted with the User for a period of one month from the date of its occurrence with the purpose of improving Service quality and evidencing the contents of the communication with the User during the use of the Service in case of a dispute between the User and the Bank.

10. All rights on the information, provided by the Bank in the course of Service delivery, shall belong exclusively and solely to the Bank. The User shall not be entitled to disclose to and share with third parties in any way whatsoever data and information received via the use the Service.

11. The Bank shall not be held liable for damage and lost profits, sustained by the User while using the Service, nor shall it be held liable for inability to render the Service in circumstances beyond the Bank’s control - for instance, but not limited to force majeure, accidental events, Internet problems, communication limitations and interruptions, inability to achieve connection via the video conference platform or limited access to it, problems attributable to the User’s equipment, as well as in case of third parties’ unauthorized access or intervention into the operations of the Bank’s information system or servers.

12. The Bank shall not be liable for any costs incurred by the User in relation to the use of the Service. For the Service delivery itself, the Bank shall not charge the User.

13. Bank employees, rendering the Service shall not have the right to request the Users to provide sensitive data about payments within the meaning of the Payment Services and Payment Systems Act (such as, but not limited to personalized security features of payment instruments, PIN codes, passwords, etc.) In case of detecting such practices, the User should notify immediately the Bank by calling 0700 117 17 or e-mailing: jalbi@ubb.bg.

14. The Bank shall be entitled to reject or interrupt Service delivery to a User who does not comply with the accepted principles of morality in the course of the Service.

15. The current General Terms may be amended and supplemented by the Bank at any time, and the respective amendments and supplements shall enter into force from the date of their uploading on the Bank’s web-site https://www.ubb.bg/videomeeting.

16. To any issues not provided for in the current General Terms, the Republic of Bulgaria’s legislation shall apply.

These General Terms have been adopted on 28.04.2020 and shall enter into force on 01.05.2020

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UBB Mobile is a specialized application for mobile devices – mobile phones and tablets with operational system Android and iOS.

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