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as of 09/04/2020 17:02:23

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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

Are you ready for your new home? We are here to facilitate the financing, based on a pre-approval within 1 day, without application fee and including a property insurance.


  • Pre-approval within 1 day
  • No application fee
  • Including a property insurance
Tenor Up to 30 years
Currency BGN or EUR
Interest rate  from 2.80%* variable interest rate
Amount Up to BGN 500 000
Bonus Credit card


APR of 3.09% in case of a loan equaling BGN 80 000 with a tenor of 360 months, variable annual interest rate of 2.80% (RIR+ 2.60% fixed margin), including the following fees: credit assessment fee of BGN 200, fee of BGN 2 for opening a current account, property appraisal fee of BGN 130, mortgage obliteration fee of BGN 60, current account maintenance fee of BGN 2.50 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 2064.72 (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 121 691.30. *The interest rate has been calculated upon UBB’s RIR of 0.2%. 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.



Interest Rate

2.80%  variable interest rate (RIR + 2.60% fixed margin) for loans exceeding BGN 60 000 (incl.)

3.75% variable interest rate (RIR + 3.55% fixed margin) for loans up to BGN 60 000

Loan Tenor up to 30 years
Amount up to BGN 500 000
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
Prepayment Fee 1% on the prepaid principal until payment of the first 12 installments under the loan
Credit Assessment Fee BGN 200
Property Appraisal Fee

BGN 130 (per apartment) 

BGN 190 (per house)

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

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