“Recommend and Save” Program
It's simple to recommend and save!
We know that recommendations by a friend are worth more. This is why we created the "Recommend and Save" Program, which allows you to help a friend or a relative in choosing a loan and a financial institution and both of you will benefit from a deserved bonus up to BGN 400. The more clients you bring, the more you will save!
If you have a mortgage loan with us and your friend is also interested in getting one, recommend UniCredit Bulbank to him/her and we will make a one-off refund between 50% and 100% (up to BGN 400) on the monthly interest payment on your loan and your friend will save 50% on the fee for preparation of the documents for the collateral on the mortgage loan (up to BGN 400).
What exactly will you get?
If the person you have referred us to gets an approval for a mortgage loan from UniCredit Bulbank, after the date of loan drawdown, you will get from us a one-off refund for the respective month*:
- 100% of the monthly interest payment (but not more than BGN 400) on your mortgage loan if the loan amount of the client you have referred us to is at least 70% of the outstanding debt on your loan.
OR
- 50% of the monthly interest payment (but not more than BGN 400) on your mortgage loan if the loan amount of the client you have referred us to is less than 70% of the outstanding debt on your loan.
In case you have more than one loan, the bank will refund your interest payment on the loan, which is with a higher outstanding debt.
What will your friend get?
- He/she will save 50% on the fee for preparation of the documents for the collateral on their mortgage loan according to the bank’s effective tariff for private individuals as at the date of loan drawdown, and this amount can be up to BGN 400.
- Adequate consulting and overall assistance during the whole process – from the application phase until the date of the mortgage loan drawdown;
- Transparent and competitive terms for a mortgage loan, aligned with the individual capacity and requirements of the client.
What do you need to do?
- Recommend UniCredit Bulbank to a friend or a relative who is interested in getting a mortgage loan.
- The friend you have referred to us needs to apply for a mortgage loan in the bank and when submitting the loan request he/she should indicate you as the person making the referral.
- The bank employee will undertake to process the referral in order to reimburse your due amount and deduct the fee of your friend.
- In case the person you have referred has an approved and drawn mortgage loan, you will get a refund in the amount of one interest payment** (in an amount up to BGN 400) on your account with the bank.
Share with your friends and family the opportunity to acquire a new home with a mortgage loan from UniCredit Bulbank and get a guaranteed refund on an interest payment on your loan!
You can get more information about the program from the Call Center by calling 0700 1 84 84 or at the nearest bank branch.
*In order to get a refund on the interest payment up to BGN 400, at the time of approval of the referral you are required to have no defaults on your credit liabilities with UniCredit Bulbank (consumer loans, credit cards, etc.).
**In case you have referred more than one client, you will get a refund according to the above-described terms and conditions on the interest payments for as many months as the number of clients who have drawn a mortgage loan and who you referred during the current month.
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"My New Home" Mortgage Loan
Characteristics
Amount of funding
IconUp to 90% of the market value of the property, allowing the customer to choose - to be liable with all their possessions or limited liability up to the collateral provided.
Purpose
Icon- To finance the purchase, construction, renovation and/or finishing works of the residential property purchased
- To refinance similar target loans
Term
Icon- Up to 35 years
- Age at end of loan - 70 years max
Currency
IconBGN or EUR
Interest rate
IconAnnual interest rate formed by a reference interest rate representing a market interest rate index for the respective currency*, increased by a fixed margin.
*Interest index for the respective currency - ADI for BGN, EURIBOR for EUR, LIBOR for USD, GBP, CHF, or another different maturity index.
Installments
IconEqual monthly installments (annuity) and decreasing monthly installments.
Collateral
IconFirst mortgage on the property , used as collateral, or on another property
Interest calculation method
IconActual number of days/360
Frequency of disbursement
IconAs a lump sum or in tranches as per the agreed disbursement schedule
Life insurance required
IconYes
Property insurance required
IconYes
Example: Authorized loan amount – BGN 150,000 Loan term: 35 years Repayment installment type: Annuity Amount of the monthly repayment installment in case of:
- Mortgage loan with a floating interest rate - BGN 600.88, APR 3.30% for the whole loan term. Total amount payable at the end of the period – BGN 252,822.42.
- Mortgage loan with a fixed interest rate - BGN 679.99 for the first five years and BGN 626.39 for the remaining period of the loan, APR 3.79% for the whole loan term and total amount payable at the end of the period – BGN 266 032.39
The calculations in the example are based on a promotional floating annual interest rate for the first five years – 3.49%, and a floating interest rate for the remaining period of the loan – 2.79%. The monthly premium on Life insurance is included in the amount of the monthly installment and in both examples it is BGN 52.50.
Payroll service is required for providing the loan.
The APR on the loan is an expression of the total costs on the loan for the consumer, present or future ones, as an annual percentage calculated on an annual basis from the total amount of the loan granted.
The additional costs payable under the loan agreement, which shall become a part of the APR after they become known to the Bank, are as follows:
- The Life Insurance costs for the term of effect of the loan agreement;
- The property insurance costs for the real estate which is provided as a collateral for the term of effect of the loan agreement;
- The notary and state fees for the establishment of a mortgage in favor of the Bank;
- The notary and state fees for renewal and deletion of the collaterals established in favor of the Bank;
- The costs for a market appraisal of the proposed collateral.
The additional costs indicated above are not included in the provided example for the total costs on the loan, and they shall become a part of APR after they become known to the Bank.
Application
Apply remotely
and go easily and conveniently through the steps to the desired home.
Schedule an online consultation
Discuss with an expert all your questions by phone or video call
Receive your personal offer and approval
Take advantage of legal advice and assistance at every stage of the deal
Exchange all documents electronically
All you have to do is sign the contract for your home loan by a certified qualified electronic signature (QES)
APPLY
for your online consultation now
Easy and completely remote
See the steps of the remote process below.
Remote Consultation
02/ 933 72 22 at the price of a city call
Bank Branch
Visit the nearest .
Calculate and Send Request
Useful Information
Learn more about our Interest Methodology, Interest Indexes and all Upcoming changes
Did you find your dream home ?! Now it's time to check all required documents for consideration of the loan application.
UNICREDIT BULBANK АD, entered in the Commercial Register with the Registry Agency under UIC 831919536, registered seat and address of management: 7 Sveta Nedelya Sq., Vazrazhdane District, city of Sofia, website: www.unicreditbulbank.bg, licensed to carry out banking activities under the supervision of the Bulgarian National Bank by virtue of Order No. РД 22-2249/16.11.2009 of the Governor of the Bulgarian National Bank.
Useful tools
"My New Home"
Purchasing a new home is a rough decision. We are here to assist you in finding the best funding solution and help you go through the entire application process. Even if you are not a permanent resident in Bulgaria, the loan consultants of UniCredit Bulbank can offer you flexible options for financing your property purchase.
Bulbank Mobile
We brought banking at your fingertips!