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.

Multipurpose Mortgage Loan

The UBB multipurpose mortgage loan has attractive interest rates and enables you to obtain funds for any needs that you might have.



UBB offers you from 01.05.2019 up to 30.06.2019 a promo mortgage loan with:

  • Variable interest rate  3.45% (RIR 0.2% + 3.25% fixed margin) in BGN and EUR                 
  • No application fee
  • No Credit Assessment Fee
  • Maximum loan amount: EUR 60 000 / BGN 120 000
  • Preliminary approval within 1 day
  • Repayment period: up to 20 years
  • Bonus Credit Card

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 : 3.70% with a loan of BGN 50 000 for a period of 20 years and 3.45% variable interest rate: 240 monthly installments on the loan in the amount of BGN 288.70; total due amount of BGN 70 279.25. Conclusion of Property Insurance policy is required, as the related expenses are not included in the APR.

Annual Percentage Rate (APR) EUR: 3.70% with a loan of EUR 25 000 for a period of 20 years and 3.45% variable interest rate: 240 monthly installments on the loan in the amount of EUR 144.35; total due amount of EUR 35 151.25. Conclusion of Property Insurance policy is required, as the related expenses are not included in the APR.


Product parameters


Loan collateral: Mortgage on a residential real estate

Standard offer:

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

APR: 3.70% with a loan of BGN 50 000 (EUR 25 000) for a period of 20 years and 3.45% variable interest rate: 240 monthly installments on the loan in the amount of BGN 288.70 (EUR 144.35); total due amount of BGN 70 279.25 (EUR 35 151.25). Conclusion of Property Insurance policy is required, as the related expenses are not included in the APR.
Description of United Bulgarian Bank’s  Reference Interest Rate (RIR) Methodology, used for determining the variable interest rate on loans to natural persons, is available here.

UBB offers you the Home and Family Protection insurance program with comprehensive Property and Life coverage. More information 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.

Main steps upon applying for a mortgage loan

Steps upon applying for mortgage loan:

Step 1: Obtaining a preliminary approval for a mortgage loan

In order for you to obtain a preliminary approval for a mortgage loan, you need the main information about your income and credit liabilities. You may visit any branch of the Bank and fill in a loan application, accompanied by a document about your monthly income.

Step 2: You have obtained a preliminary approval and you proceed further with the loan

You have already obtained a preliminary approval for a loan amount in accordance with your current financial status. It is important that you are acquainted with the period of its effect. In order to continue with the process of obtaining a final approval of the loan and signing an agreement, you should go through the following 2 steps:

  • Preparation of an expert appraisal of the real estate by a licensed appraiser –The obtaining of an appraisal of the loan collateral is a mandatory stage for you to go through. For this purpose the real estate will be visited by a licensed appraiser, with whom the bank has signed a framework agreement.
  • Obtaining a legal opinion – The obtaining of a legal opinion on the loan is a mandatory stage that includes a review of the documentation relating to the proposed loan collateral and preparation of a legal opinion and representation of the bank upon instituting a mortgage.

Step 3: Receiving a final approval of the loan

Step 4: Signing a loan agreement and utilization of the loan

After signing the mortgage loan agreement, the formalities concerning the purchase-sale deal and / or the collateral deal shall be performed by a notary public. In order for the loan to be finalized and its funds to be utilized, the only thing for you to do is present an Encumbrance certificate with a first-ranked mortgage, registered in favor of the Bank /unless otherwise specified in the loan agreement/.

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