The purchase of one's own home is one of the most important steps in a person's life. The dream of owning your own home is more accessible than ever with  our special offer.

Your dream is our mission. Your home – our priority.

Young couples under the age of 35 who live as a family or are married.

We know that for people in the early years of their careers, buying a home is a difficult moment, having to come up with significant self-contribution funds and covering the costs associated with the transaction.

That's why we created a mortgage loan specifically aimed at young couples and families. It includes preferential terms with minimal deductibles and initial costs, as well as the option of a long repayment term, tailored to your preferences for monthly installment.

Interest Methodology for Loans

Interest Indexes

Upcoming changes

Features of the loan

No upfront

Icon

loan costs

Minimum

deductible

Maximum

Icon

funding amount

Long term

Icon

of the loan

All loans under the initiative are exempt from the initial Fee for documentation of the collateral, and the bank will cover the notary fees related to the transaction up to an amount of EUR 800 / BGN 1,564.66. The required own contribution is 5% of the property price under the Preliminary Agreement, compared to the standard minimum of 10%.

*The minimum disposable income of at least one of the loan applicants (main loan applicant or spouse/partner) must be no less than 1 000 EUR (net income).

Are you ready to start?

Leave your details and one of our experts will contact you to prepare the best offer for your family.

 

Online consultation

 

You can also obtain information by calling  *2274 or by visiting the nearest UniCredit Bulbank branch.

Frequently asked questions

For households with family members up to 35 years of age.

It's not mandatory. The conditions are suitable for both married families and cohabiting couples.

The maximum allowable amount of the loan is up to EUR 250,000. In case the value of the property is higher, it will be necessary to pay the difference either with own funds or through additional financing.

The tax relief for young families can be used if the following conditions are met: The person has no unpaid tax liabilities; the mortgage loan agreement must be concluded by the taxable person and/or spouse with whom they have a civil marriage; the taxable person and/or the spouse have not reached the age of 35 on the date of conclusion of the mortgage loan; the mortgaged home is the only home for the family during the year. Tax reliefs are available only on the interest paid during the year. It is necessary to submit an annual tax declaration under Art. 50 of the Law of Personal Income Tax, and to the declaration shall be attached a reference from the creditor bank on the amount of mortgage interest paid during the year.

Yes. If you receive your income in an account of another bank, it will be necessary to transfer the payment of your salary to your UniCredit Bulbank account when concluding the loan agreement.

No, it is not possible. The two persons are required to participate in both the loan and the contract for property purchase.

Additional useful information