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

 

 

Characteristics

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.

Purpose

  • 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

Term

Up to 25 years

Currency

BGN or EUR

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 rate index for the relevant currency - SOFIBOR for BGN, EURIBOR for EUR, LIBOR for United States dollar, British pounds and Swiss francs, or another index with various maturities.

Type of instalments

Equal monthly instalments (annuity) and decreasing monthly instalments.

Collateral

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

Frequency of repayment

Monthly

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

Yes

Need for Property Insurance

Yes

Tariff

Calculate and Send Request

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

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

Application

Request Online

Send request online after calculating your monthly installment in the calculator above.


Bank Branch

Visit the nearest branch of UniCredit Bulbank.

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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