Universal Mortgage Loan

Fund your current needs or plans even if they do not to include purchase of property.

  • Financing of your current needs without submission of documentary proof of expenses
  • Floating interest rate for the entire loan term
  • Instalments determined on the basis of your abilities and preferences
  • Quick response
  • No fee for early repayment after the first year of the loan term




Funding rate

Up to 70% of the property market value and opportunity for the customer to be either liable with all his property or to be liable only to the amount of the provided collateral.


  • Financing of individuals’ current needs
  • Purchase of office, shop or garage (in the cases where the garage is not a part of the residential property)
  • Refinancing of loans with similar parameters


Up to 15 years



Interest rate

Annual interest rate formed by reference interest rate representing market interest rate index for the relevant 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.

Type of instalments

Equal monthly instalments (annuity) and decreasing monthly instalments.


  • Property mortgage
  • Financial collateral arrangements
  • Property Insurance of the collateral
  • Life Insurance of the loan applicant

Frequency of repayment


Method of interest calculation

Actual number of days / 360

Frequency of absorption

One-off payment or payment in instalments in accordance with the agreed absorption plan.

Need for Life Insurance


Need for Property Insurance



Requirements and Documents

What requirements should be met?

  • Work experience of minimum 1 year
  • Net income of minimum BGN 300 per month
  • To be a regular payer of current loans
  • Age at the expiry of the loan – up to 70 years
  • First mortgage of the real property used as collateral

Required documents

Application documents depend on the client profile. In preparing them please follow the guidelines by the banking consultant.

  • Loan application
  • Documents required for consideration of the loan application


How to apply?

  1. Visit the closest branch of UniCredit Bulbank and discuss your options with our consultant.
  2. Fill in the application for mortgage loan of individual clients.
  3. Provide an expert valuation by a licensed appraiser included in the list approved by the lender.
  4. Prepare the documents specified by the consultant as required for the specific transaction.
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