Investment Loan

A long-term target loan for financing long-term assets, aimed at development of your business.

Advantages

  • Provides investment financing;
  • Long tenor;
  • A grace period up to 12 months, during which you pay only interest and loan fees. 
  • Preliminary approval option;
  • Attractive interest rates,  based on market indices.
  • You obtain a free-of-charge business debit card;
  • Option for price discounts  upon using other services.

Product Parameters

Loan Purpose:

  • Purchase of a commercial or residential property for commercial use, or farming land, utilized as a place for executing the main economic activity;
  • Purchase of new or used vehicles for executing the main economic activity.
  • Purchase of new machines or equipment for executing the main economic activity.


Currency: BGN and EUR

Minimum amount: BGN 10 000

Maximum amount:

  • Upon real estate purchase – up to 80% of the investment amount (VAT excluded), max. BGN 500 000/ or their equivalence in euro;
  • Upon purchase of new machines or equipment – up to 70% of the investment amount (VAT excluded), max. BGN 500 000/ or their equivalence in euro;
  • Upon purchase of new or used vehicles – up to 70% of the investment amount (VAT excluded) for new vehicles and up to 60% for used vehicles, max. BGN 300 000/ or their equivalence in euro.

The amount of financing may be increased upon provided additional collateral.

Term:

  • Upon real estate purchase – up to 15 years;
  • Upon purchase of new machines/equipment or new vehicles – up to 5 years;
  • Upon purchase of used vehicles – up to 3 years. The vehicle’s average rated lifetime should be longer or equal to the loan term + 2 years.

Repayment:

Fixed principal payments on a monthly basis.

Collateral:

  • Real estate mortgage
  • Commercial estate mortgage
  • Farm land mortgage
  • Pledge of chattels – new machines or equipment or new/ used vehicles
  • Blocked cash funds in an account with the Bank.

Interest:

Interest accrual on loans will be made in accordance with the approved methodology for the Reference Interest Rate (RIR), used by United Bulgarian Bank AD for determining the variable interest rate on loans to Micro business clients.

Fees and Commissions: As per the Bank’s Tariff for Business Clients

Or give us a call
0700 117 17
7171
Short number for local calls by Bulgarian mobile network subscribers
+3592 483 1717
For local and international calls
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