Loan with Financial Collateral Arrangements

Characteristics

Term

Up to ten years

Currency

BGN / EUR

Minimum amount

500 BGN / 250 EUR

Maximum amount

It depends of the value

Collateral

Financial collateral arrangements
Bank guarantees
Local and foreign government securities
Local and foreign corporate securities
Mutual funds
Life insurance of a saving nature

Type of instalment

Equal monthly instalments (annuity) and decreasing monthly instalments.

Frequency of repayment

Monthly

Method of interest calculation

Actual number of days / 360

Insurance

Yes

VII. Loans
	Product / Service	BGN	EUR
7.1. Fees and commissions for loans with contracts signed before 23/07/2014 7.1. Fees and commissions for loans with contracts signed before 22/07/2014
1.	Fее for application of loan review
1.1.	for loans up to BGN 1 000	65	35
1.2.	for loans up to BGN 20 000	85	45
1.3.	for loans up to BGN 50 000	120	60
1.4.	for loans above BGN 50 000	220	110
1.5.	for loans with cash collateral	25	15
1.6.	Issuing of a Mortgage certificate	25	12
2.	Commitment fee annually	1,20%	1,20%
3.	Fees for loan administration, maintenance, servicing and management
3.1.	Fee for loan administration upon disbursement
3.1.1.	Fee for mortgage loan administration upon disbursement	0,95%	0,95%
3.1.2.	Fee for consumer loan administration upon disbursement	0,95%	0,95%
3.2.	Fee for consumer loan maintenance and servicing	2,35%	2,35%
3.3.	Мanagement fee for Mortgage loan for each month or part of it	0,043 % месечно	0,043 % месечно
4.	Annual management fee for overdraft	20.0	10.0
5.	Renegotiation of the price
5.1.	for loans with current debt up to BGN 20 000	BGN 350	EUR 175
5.2.	for loans with current debt up to BGN 50 000	BGN 700	EUR 350
5.3.	for loans with current debt up to BGN 100 000	BGN 1400	EUR 700
5.4.	for loans with current debt above BGN 100 000	BGN 2100	EUR 1050
6.	Prepayment fee in case the prepayment is done during the first year of the mortgage loan tenor	1.00%	1.00%
Notes:	1. Fee for application of loan review and amendments
	1.1. The loan application fee shall be calculated on the requested amount and is collected upon submission of the application.
	1.2. In case of amendments of the structure of a credit transaction /change of the loan deal terms and conditions/ except for price parameters, at client's request - 50% of the paid fee for application of loan review is due.
	2. Commitment fee
	2.1. The commitment fee is accrued on the difference between the approved for utilization amount and the utilized loan amount for every day of the disbursement period agreed. The commission is payable every month during the disbursement period at the due date for interest amount payment on the regular principal.
	2.2. The commitment fee is not applicable for overdraft loans.
	3. Fees for loan administration, maintenance, servicing and management
	3.1. The fee for loan administration upon disbursement and the maintenance and servicing fee are calculated on the contracted loan amount and have to be paid by the customer or may be deducted from the approved loan amount before loan disbursement.
	3.2. The management fee for each month or part of it is due since the first month of the loan disbursement, it is calculated on the outstanding principal and is to be paid at the date for payment of the due monthly installments.
	4. Renegotiation of the price.
	4.1. The fee shall be collected upon submission of the application.
	5. Prepayment fee
	5.1. The prepayment fee shall be calculated over the prepaid amount only during the first year of the loan tenor and its payment shall represent the grounds for exerting the right of prepayment.
	5.2. The prepayment fee as per this Tariff is not applicable for consumer loans. The respective fee shall be arranged in loan contract.
	6. The fees and commissions in Section VII are applicable for the specific loan products too in case that:
	6.1. they are not especially prohibit for one or more specific loans;
	6.2. there aren't any specified different fees and commissions.
7.2. Fees and commissions for loans with contracts signed after 22/07/2014
1.	Fее for assessment of the credit risk	0.30%	0.30%
1.1.	Issuing of a Mortgage certificate	BGN 25	EUR 12
2.	Annual application fee for overdraft review /creditworthiness assessment and prolongation	BGN 20	EUR 10
3.	Renegotiation of the price	1.00%	1.00%
4.	Prepayment fee in case the prepayment is done during the first year of the mortgage loan tenor	1.00%	1.00%
Notes:	1. Fее for assessment of the credit risk
	1.1. The fее shall be calculated on the loan amount and will be collected after assessment of the credit risk but not later than the loan is granted.
	1.2. In case of amendments of the structure of a credit transaction /change of the loan deal terms and conditions/ except for price parameters according to client's request - 20% of the paid fee for assessment of the credit risk.
	2. Renegotiation of the price
	2.1. The fee shall be collected upon submission of the application.
	3. Prepayment fee
	3.1. The prepayment fee shall be calculated over the prepaid amount only during the first 12 months of the loan tenor and its payment shall represent the grounds for exerting the right of prepayment.
	3.2. The prepayment fee as per this Tariff is not applicable for consumer loans.
	4. The fees and commissions in Section VII are applicable for the specific loan products too in case that:
	4.1. they are not especially prohibit for one ot more specific loans;
	4.2. there aren't any specified different fees and commissions.

Tariff

Requirements and Documents

Required Documents

The application documents depend on the customer profile. In their preparation the guidelines of the banking consultant must be followed.

Loan application
Appendix 1 to loan application
Documents required in connection with consideration of the loan application

What are the requirements that must be met?

You must repay your current loans on a regular basis.

Additional Information

Interest Methodology
Interest Indexes

General terms 215.2 KB

Application

Visit the nearest branch of Unicredit Bulbank and discuss the options with our consultant.
Fill in loan application for individuals.
Prepare the documents which the consultant has determined as necessary for execution of the specific transaction.