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"My New Home" Mortgage Loan

With “My New Home” Mortgage Loan from UniCredit Bulbank you can get:

  • Remote advisorapply remotely and sign your contract electronically until 31.03.2023 and take your loan with no collateral documentation fee
  • Up to 90% financing
  • Term of up to 35 years
  • Promotional interest rate from 2.59%


"My New Home" Mortgage Loan


Imagine that some things do not change.

Everyone needs security and confidence about the amount of their monthly income, including the installments on their loans.

Learn moreabout Promo


Amount of funding


Up 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.


  • To finance the purchase, construction, renovation and/or finishing works of the residential property purchased
  • To refinance similar target loans


  • Up to 35 years
  • Age at end of loan - 70 years max




Interest rate


Annual 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.



Equal monthly installments (annuity) and decreasing monthly installments.



First mortgage on the property , used as collateral, or on another property

Interest calculation method


Actual number of days/360

Frequency of disbursement


As a lump sum or in tranches as per the agreed disbursement schedule

Life insurance required



Property insurance required



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.



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)






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

I'm and the price of the property I want to buy is
I plan to repay him for
Monthly payment

Useful Information

Learn more about our Interest MethodologyInterest 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:, 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.

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 "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.