Characteristics

Funding rate

Up to 70% of the property market value with full liability or up to 60% of the property market value with limited liability.

Purpose

  • Financing of individuals’ current needs

  • Purchase of office, shop,  garage (in the cases where the garage is not a part of the residential property), land

  • Construction, repair and finishing work

  • Refinancing of loans with similar parameters

Term

Up to 25 years, depending of the purpose

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 - HTDI

Type of instalments

Annuity installments or equal monthly instalments on principal.

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

Requirements and Documents

What requirements should be met?

  • Work experience of minimum 1 year
  • Net income of minimum 153.39 EUR 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.

Additional Information

Interest Methodology
Interest Indexes

Upcoming changes

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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