New-generation loans, launched for the first time on the Bulgarian market by United Bulgarian Bank. A flexible loan, offering customer-friendly conditions, tailored to your means.
- Speed - quick and easy approval procedure;
- Convenience - You draw/order amounts larger than the amount available in your account; You buy when you need without waiting to save the necessary amount;
- Mobility - You have access to your funds anytime anywhere via ATM or POS devices;
- Advantage - You can utilize the loan in portions. You manage your financial resources easily and effectively. You can utilize BGN amounts against the pledge of funds in foreign currency;
- Flexibility - You borrow funds up to an amount and over a period of time in accordance with your needs and desires;"
- Interest rate – fixed interest rate of 6.9% over the first 3 months*
- Interest rate conditions Over the remainig period - based on a client's profile;Information is available at any UBB branch
- Application fee – BGN 0
- Credit Assessment Fee – as per the valid Tariff
- Maintenance Fee after the first year – BGN 30.
- Loan Amount ranges from BGN 1 000 up to BGN 10 000
- No tenor - this is a loan, always available for you
Example of Annual Percentage Rate(APR) for a new Open loan: Upon a revolving credit line of BGN 5 000 over a 12-month term – APR of 19.09% under the following conditions: fixed promotional interest rate of 6.90% over the first 3 months and variable interest rate of 14.893% over the remaining loan period (Reference Interest Rate (RIR) – 6-month SOFIBOR + fixed margin), with included Application Fee of BGN 0.00, Credit Assessment Fee of BGN 70.00 and an annual fee for payment instrument (card) maintenance – BGN 30.00 after the first year. Total amount due – BGN 5 482.47
How do you get your Open Loan money?
In a special card, accompanying the loan and enabling you to draw the whole or a portion of your approved amount from each UBB ATM in this country or through a POS device at a branch of the Bank.
- Select the most convenient for your manner of repayment, subsequently changeable any time
- Automatically from an account (account in BGN opened with UBB)
- Via an account transfer through e-banking (through an explicit payment order from an account with UBB)
- Via the Customer Service Center – by calling either 0700 117 17 or *7171
- Via cash installments at some UBB ATMs
- The minimum amount to be repaid equals 1,5% of the drawn down amount, but no less that BGN 30 monthly
- Immediately after repaying a portion of the utilized loan limit, this amount will be again at your disposal
- Repayment via funds transfer or installment through another Bank is not applicable.
Deadline for repayment of liabilities
- Monthly repayment, 14 days after the account statement date
Manner of receiving account statements
- Free-of-charge and easy access to the monthly statements via the new e-gateway, UPAY, at Internet address www.ubbpay.bg and at any UBB branch (free-of-charge upon request)
- Summary account statement at any UBB ATM during the Bank’s business hours
- At an address, specified by the client, against payment
- Over the phone – by calling either 0700 117 17 or *7171"
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