Please read this License Agreement ("Agreement") carefully before clicking the "I Accept the Terms & Conditions" button.

By clicking the "I Accept the Terms & Conditions" button, you are agreeing to be bound by the terms and conditions of this Agreement to use the APIs in the Sandbox.

If you do not agree to the terms of this Agreement, do not click on the "I Accept the Terms & Conditions" button and do not add the API to the list of APIs your application will access.

1. Definitions

When used in this Agreement with the initial letters capitalized, in addition to the terms defined elsewhere in this Agreement, the following terms have the following meanings:

∙ API means the UNITED BULGARIAN BANK’S (UBB) application programming interface;

∙ Intellectual Property Rights means all patents, copyright and related rights, trademarks, logo, service marks, trade, design rights, business and domain names, rights in trade dress or get-up, rights in goodwill or to sue for passing off, rights in designs, database rights, rights in confidential information (including know-how and trade secrets) and any other intellectual property rights, in each case whether registered or unregistered and including all applications for, and renewals or extensions of, such rights, and all similar or equivalent rights or forms of protection in any part of the world.

∙ Sandbox is the software testing environment that enables the isolated execution of software or programs for independent evaluation, monitoring or testing. 

2. License

UBB grants you a limited,  non-transferable, non-exclusive, as-is, non sub licensable license

to use the API for the sole purpose of developing and testing your applications.

3. Restrictions

You shall not- 

∙ change or delete any copyright, trademark, tradename or other proprietary notices, legends, symbols, or labels appearing on or in the API;

∙ Disclose, share  or divulge any of the API specifications to any third party;

∙ Represent in any way that your application is approved, recommended or endorsed by us;

∙ Disable, or by pass any security protocols or measures or technical limitations of the APIs; 

∙ Modify, decompile, reverse engineer or otherwise alter the APIs;

∙ Participate or engage in any activity which restricts, hinders, impedes, interrupts or harms the API in any way or permits unauthorised access to the API;

∙ Use the API and the content thereon for any purpose other than those expressly permitted by these Terms of Use

UBB reserves the right to modify, suspend or discontinue, temporarily or permanently, the APIs, with or without notice and without liability to you.

4. Intellectual Property

Intellectual Property Rights 

4.1 We retain all Intellectual Property Rights with respect to UBB API’s,  including content and documentation and these may not be copied, transmitted or reproduced without our  prior consent. All Intellectual Property Rights and other rights in connection with the Portal  (including without limitation, information, graphics, software, text, sounds, images, trade marks, service marks, trade names and logos) are vested in us or our licensors.   You agree that you shall not obtain any Intellectual Property Rights, title or interest in the Portal other than in accordance with these Terms of Use.

4.2  You undertake not to do anything which would bring UBB or any of it trademarks, trade names, logos, or branding into disrepute or harm the reputation and goodwill of UBB.

4.3 You acknowledge and agree that we may independently develop or create applications, content or other services or products that may be similar to and/or compete with your applications and nothing in these Terms of Use shall prevent us from exploiting any such commercial opportunities.

5. Term and Termination

This Agreement shall remain in effect until terminated by you or UBB. 

UBB may, in its sole discretion, at any time and for any or no reason, suspend or terminate this Agreement with or without prior notice.

This Agreement will terminate immediately, without prior notice from UBB, in the event that you fail to comply with any provision of this Agreement. You may also terminate this Agreement by deleting the Application on our API.

Upon termination of this Agreement, you shall cease all use of the APIs on the Sandbox.

6. Severability

If any provision of this Agreement is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.

7. Amendments to this Agreement

UBB reserves the right, at its sole discretion, to modify or replace this Agreement at any time. What constitutes a material change will be determined at our sole discretion.

8. Applicable law and jurisdiction

The provisions of the Bulgarian law shall apply to this Agreement. Disputes betwen UBB and you related to, or arising from this Agreement shall, unless settled amicably between UBB and you, be brought for resolution before the competent Bulgarian court in Sofia, Bulgaria.

Mortgage loan for purchase in BGN and in EUR



Till 31.01.2020 UBB offers you mortgage loan at preferential conditions:

  •  Variable interest rate  2.95%* (RIR 0.2% + 2.75% fixed margin) in BGN and EUR
  •  No application fee 
  •  Variable interest rate  3.95% (RIR 0.2% + 3.75% fixed margin) in BGN and EUR
  •  No application fee
  •  Credit Assessment Fee - BGN 200
  •  Maximum loan amount : EUR 250 000  / BGN 500 000
  •  Preliminary approval within 1 day, prior to selecting a property for purchase
  •  Repayment period : up to 30 years
  • Bonus Credit Card

*The interest rate is applicaple for loans with min. amount of BGN 60 000.

You may obtain preliminary approval for a mortgage loan based on income and credit history, without the need to provide a document for a particular real estate.

Annual Percentage Rate (APR) BGN : 3.31% with a loan of BGN 80 000 for a period of 240 months and 2.95% variable interest rate: 240 monthly installments on the loan in the amount of BGN 441.68; total due amount of BGN 108 676.86. Conclusion of a Property Insurance policy is required, as the related expenses are not included in the APR.

Annual Percentage Rate (APR) EUR: 3.13% with a loan of EUR 40 000 for a period of 240 months and 2.95% variable interest rate: 240 monthly installments on the loan in the amount of EUR 220.84; total due amount of EUR 53 559.03. Conclusion of a Property Insurance policy is required, as the related expenses are not included in the APR.


Annual Percentage Rate (APR) BGN : 4.18% with a loan of BGN 55 000 for a period of 30 years and 3.95% variable interest rate: 360 monthly installments on the loan in the amount of BGN 261.00; total due amount of BGN 95 346.98. Conclusion of a Property Insurance policy is required, as the related expenses are not included in the APR.

Annual Percentage Rate (APR) EUR: 4.19 with a loan of EUR 26 000 for a period of 30 years and 3.95% variable interest rate: 360 monthly installments on the loan in the amount of EUR 123.38; total due amount of EUR 45 127.97. Conclusion of a Property Insurance policy is required, as the related expenses are not included in the APR.

Product parameters


Collateral: Mortgage on a real estate

Standard offer:


  • Prepayment Fee - 1% until the 12th monthly installment
  • Property appraisal fee – BGN 130 (for apartment )
  • No application fee
  • Credit Assessment Fee – BGN 200
  • Loan Account Maintenance Fee  – BGN 2.50 per month
  • Mortgage release fee - BGN 60

Annual Percentage Rate (APR) BGN : 4.11% with a loan of BGN 80 000 for a period of 30 years and 3.95% variable interest rate: 360 monthly installments on the loan in the amount of BGN 379.63; total due amount of BGN 137 896.72. Conclusion of a Property Insurance policy is required, as the related expenses are not included in the APR.

Annual Percentage Rate (APR) EUR: 4.12% with a loan of EUR 40 000 for a period of 30 years and 3.95% variable interest rate: 360 monthly installments on the loan in the amount of EUR 189.81; total due amount of EUR 68 962.89. Conclusion of a Property Insurance policy is required, as the related expenses are not included in the APR.


Description of the Methodology for determining a Reference Interest Rate (RIR), used by United Bulgarian Bank AD for determining the variable interest rate on loans to natural persons is avalable here.

UBB offers you ""Home and Family Potection"" insurance program with comprehensive ""Property and Life"" insurance coverage, further information about which is available here.  

Needed documents for applying

Main documents, needed upon applying for a  mortgage loan

 Document TypeIssuing institution

For obtaining preliminary approval

Mortgage loan application formUBB AD
Copy of the Borrower/ Co-debtor’s ID card---------
Certificate of Income, concerning the income amount and the employment contract period of the Borrower and his/her spouse Issued by the Employer according to a sample form of the Bank
Depending on the income source: Annual Tax Return for natural persons, independent employment contracts and Statements of Honoraria (Received Income), Rental Agreements etc.----------

For ascertaining marital status and presence/ absence of liabilities  

Certificate of marital statusIssued by the municipality’s Civil Registration Office, according to the permanent address (permanent residence)
Certificate of tax liabilities under Art.87, para.6 of the Tax Insurance Procedure Code.Issued by the local office of the National Revenue Agency, as per the mortgagors’ permanent address

Documents of the real estate, standing collateral under the loan

Documents, certifying the real estate’s ownership: Title Deed, Purchase-Sale Agreement or Construction Right Agreement, signed with the State or Municipal Authorities----------
Certificate of encumbrances on the real estates over a minimum period of 10 years prior to submitting the loan applicationIssued by the Registry Agency Office
Tax valuation certificate for the real estateIssued by the Municipality, according to the real estate’s location 

Real estate layout

Regarding areas with approved cadastral map- real estate layout, building design/ design of an independent unit in a building
Issued by the local technical office of the Geodesy, Cartography and Cadastre Agency
When the offered collateral is not completed and has not been put into operation: Land ownership documents or such certifying established construction right, Construction Permit, approved architectural designs, surface calculation table, Statement under Art.181, Para.2 of the Spatial Development Act, certifying reached shell-and-core construction stageIssued by the respective municipal or regional administration 

Documents, pertaining to the specific purpose of the loan

Detailed budget estimations and an Agreement for Construction and Assembly Works (if any) /concerning loans for construction, repair works and furnishing/----------

By judgement of the Bank and depending on the content of provided documents additional documents, relating to the borrower and the collateral may be requested.


Useful tips for residential purchase

"The purchase of a home is one of the most exciting moments in a person's  life. In most cases this represents the paramount investment you have ever made and relates to the making of very important decisions, such as location, layout, surface, price and financing. In order to be useful to you while making your choice, please, find below some tips for you to make use of :

Step 1: Clarify the amount of funds you will have available for the purchase

In case you are to make the purchase through a mortgage loan, you shall have to ensure minimum 15% of the selling price through own funds. In order to be sure about the amount of funds you may obtain through a loan you can apply for preliminary approval even prior to choosing a property. Thus you will also know the approximate amount of the repayment installment on the loan, which you are going to pay after becoming owner. This option enables you to judge how it suits your financial performance and long-term expectations.

Step 2: Make some calculations about your monthly /annual expenses, related to the property

As a future owner of the property it is useful to have an idea about the expenses, you shall have to spare for its maintenance. It will be useful for you to take into account the amount of taxes, utility bills and the property management expenses.

Step 3: Initiate property search processes

The larger part of people, willing to purchase a real estate confide in the services of a professional broker, to render them assistance in finding the sought property. The advantages are expert knowledge in the market and pricing levels, legal background, skills for concluding a successful deal and last but not least -time saving .

Step 4: Property features
  • Location: We all know the famous saying that the  3 most important things upon chosing a real estate are: „Location, location and once again location ”. Regardless whether you would agree with that rule the property's location is one of the first things one should be very pricise about.
  • Property description: It is important that you should be clear about your needs and wishes regarding the characteristic feautures  of your residential real estate in terms of square meters, number of rooms and their intended use, floor, layout, lighting, availability and size of terraces, a parking space or a garage, a yard, number of residents in the entire building.

Step 5: Choosing a property.

The market forces determine the property's value and that is why it is important for each buyer to have the following information, in order to be convinced in the choice of a property according to its price:

  • Professional appraisal, based on market comparative method
  • Prices of analogous real estates, published in the Internet and in specialized editions
  • Information about recently sold similar estates in close proximity or with similar characteristic features

Step 6: Offers to the Seller

Having selected a property, complying with your requirements you should make a proposal to the seller regarding the price, you are willing to pay. In order to be sure about the real market value of the property you may order an expert appraisal by a licensed appraiser, which is also a mandatory part of your loan approval process.

Step 7: Signing a preliminary sale-purchase agreement

We advise you, upon purchasing a residential real estate along with part of the furniture, electric appliances included, to have it described in the preliminary agreement with the seller. Additionally, it's better to comply the contractual amount payment deadline to your means, to eliminate the time pressure upon obtaining a mortgage loan .

In order to be of use to you while selecting a property and comparing the characteristic features of several sites, of interest to you, we have created for you the attached comparative table .

Are you aware that the National Revenue Agency offers tax alleviations for young families upon residential estate purchase ?

Pursuant to the Natural Persons' Income Tax Act  /NPITA/ young families are given the option to refund a portion of the interest, paid by them under a mortgage loan, intended for purchase of a sole residential property. The tax alleviation represents reduction of the  tax base, on which the due annual income tax of natural persons is to be determined, with the amount of the interest payments, made by them during the year on the first BGN 100 000 of their mortgage loan for purchase of a sole residential property for the family.
What requirements should you comply with in order to use this alleviation?

  • The mortgage loan agreement should be concluded by a married individual. The condition for availability of a concluded civil marriage shall have to be fulfilled as of  31 December of the fiscal year, for which the tax aliviation is being used. The civil marriage may be concluded either prior to or after the signing of the mortgage loan agreement
  • At least one of the spouses should be younger than 35 years of age as of the mortgage loan agreement's date.
  • The mortgaged residential property should be the family's only home during the fiscal year. The tax alleviation for young families cannot be used, in case your mortgage loan has been collateralized with another residential real estate, and not the one, purchased with the loan.

The tax alleviation is to be utilized mandatory by submitting the Annual Tax Return pursuant to Art.50 of the Natural Persons' Income Tax Act at an office or at the NRA territorial departments, according to permanent residency address.

What are the needed documents, relating to your mortgage loan ?

  1. A certificate by the Bank, concerning the made interest payments during the year 
  2. A copy of the Mortgage Loan Agreement  
  3. A copy of a Repayment schedule, certified by the Bank  

Additional information about the utilization of the tax alleviation for young families may be obtained at the telephone of NRA""s information centre,  0700 18 700, at the price of a local call, dialled countrywide .

Or give us a call
0700 117 17
Short number for local calls by Bulgarian mobile network subscribers
+3592 483 1717
For local and international calls
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