Consumer loan calculator
Characteristics
Term
IconFrom minimum 3 to maximum 120 Months
Currency
IconEUR
Minimum amount
Icon250 EUR
Maximum amount
Icon50 000 EUR
Type of interest rate
IconAt the option of the borrower:
-
Fixed for the entire credit period
-
Variable - formed by reference interest rate index (HTDI) + mark up
Interest conditions
IconPricing parameters are consistent with:
- Credit amount
- Possibility of salary transfer in UniCredit Bulbank
Possibility for concluding an insurance
Iconwith an insurance company partner of UniCredit Consumer Financing
Fees and commissions
IconNo fee
The consumer credit is provided by UNICREDIT CONSUMER FINANCING EAD. The amount of the monthly repayment depends on the date of use of the credit and the selected maturity date.
*Interest 4.44% is for a floating interest rate valid under the following conditions: For credits over EUR 25,000/BGN 48,895.75, salary transfer, insurance and digital signing of documents and gross social security income above the maximum social security threshold. Offer valid until 31.03.2026
Example: Consumer credit in the amount of 26,000 EUR /50, 851.58 BGN for 120 months and without a fee for examination. Monthly repayment 280.38 EUR/ 548.38 BGN for floating AIR 4.44%, APR 5.92%, with salary transfer and digital signing of the credit agreement.
The total amount due at the end of the credit period is EUR 33,645.07/65,804.04 BGN, including Credit Protection Package A insurance, for a total amount of EUR 1,371.60/ 2,682.62 BGN for the entire period of the credit. Monthly insurance premium – EUR 11.43/BGN 22.36, which is included in the monthly repayment. Credit insurance is not mandatory and is provided additionally at the choice of the client. Should there be no insurance included in the consumer credit, other credit conditions apply. The interest rate is determined according to the method of signing and the presence of credit insurance.
* * According to the requirements of the law on the introduction of the Euro in the Republic of Bulgaria, the values presented in EUR and BGN are for the purpose of dual indication of the amounts, applying the official exchange BGN/EUR rate of 1.95583/1 and are rounded to the second decimal place. Rounding is based on the third decimal place: when the third decimal place is less than five, the second decimal place remains unchanged, when the third decimal place is greater than five, the second decimal place increases by one
Documents
-
ID card only*
*UniCredit Consumer Financing reserves the right to require additional documents
Additional Information
Frequently asked questions
Consumer credit is a form of non-specific loan, deferred payment and any other similar form of payment facility for an extended period of time, whereby the consumer pays the value of the services by making periodic repayments throughout the period of their provision.
The client must be between the ages of 18 and 75 at the end of the consumer credit agreement, have a provable income in Bulgaria and a valid identity document.
Credit refinancing is a financial instrument where you replace an existing loan with a new one. This is a process in which the conditions of an ongoing credit agreement are reviewed in order to change and update these terms.
At the time of application, the inclusion of a guarantor for the credit is not required.
The Central Credit Register (CCR) is a national information system of the Bulgarian National Bank, in which all credits taken out by companies and individuals in Bulgaria are registered. Every bank, non-banking and financial institution in Bulgaria is obliged to submit monthly information to the CCR regarding all credits granted, overdue or repaid to their customers/payers. The CCR records everything related to credits: the amount of active debt, repayment status – regularly repaid or not, whether the debt is repaid in full and whether there is a delay in payment.
The annual percentage rate of charge is a key indicator which shows the total annual appreciation of a credit, including not only interest, but all mandatory fees, commissions, insurances and other costs associated with it.
If your salary is transferred in UniCredit Bulbank, you will enjoy a lower interest rate on the credit. Salary transfer is not mandatory, but if you have such an arrangement, you will benefit from the most favourable consumer credit conditions offered by UniCredit Bulbank.
In the case of consumer credits with a floating annual interest rate, there is no fee for early repayment. In the case of loans with a fixed annual interest rate, the client pays an early repayment fee, which is 0.5% of the remaining debt on the credit - if there is less than one year until its completion and 1% of the remaining debt on the credit and there remains more than one year until its completion.
In the case of non-payment of a repayment instalment under the repayment plan, interest shall be charged for the duration of the delay on the overdue principal at the compensatory interest rate (penalty), equal to the amount of the statutory interest determined by the Council of Ministers.
When a credit is applied for an approved through a Contact Centre or a branch of the bank, the decision as well as the subsequent actions are communicated to the client by telephone. When applying through Bulbank Mobile, the client receives an SMS text message.
Consumer credit insurance is not mandatory and the client chooses whether to apply for such.
Easy and fast process for online application for a consumer credit
Fill out a request form quickly and easily
You sign the documents securely and completely digitally
You receive the funding you applied for in your bank account within the same day
Other ways to apply for a consumer credit
In Bulbank Mobile with a few clicks
By calling *2274
At a bank branch convenient for you
