Purpose

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  • Mortgage loan for the purchase of a property or property under construction*

Term

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  • Up to 30 years or until reaching the age of 75

Amount

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  • Up to 85% of the market value of the property

Collateral

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  • Mortgage on purchased or other residential property

* When purchasing a property under construction, the minimum stage for financing is “rough construction” (with Act 14)

Purpose

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  • Refinancing a standard mortgage loan

  • Consolidation of credit obligations

Term

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  • Up to 30 years or until reaching the age of 75

Amount

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  • Up to 85% of the market value of the property when refinancing a standard mortgage loan

  • Up to 70% of the market value of the property when consolidating credit obligations

Collateral

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  • Mortgage on residential property

Purpose

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  • Renovation of an existing property

  • Construction of a single-family monolithic or prefabricated house

Term

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  • Up to 30 years for renovation and construction of a single-family house

  • Up to 25 years for the construction of a prefabricated house

Amount

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  • Up to 85% of the market value of the property upon renovation with the provision of the necessary documents

  • Up to 60% of the investment project when building a single-family or prefabricated house

Collateral

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  • Mortgage on residential property

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1. You choose the most convenient day and time for a video meeting

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2. After the video meeting, you receive a personalized offer

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3. You apply and we exchange all documents remotely

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4. You sign the contract digitally and we organize a transaction at a notary

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5. You receive the amount in your account

*You will see the consultant, but they will not see you unless you activate the camera on your device.

Additional useful information

Mortgage loan calculator

The purpose of the calculator is to help you determine your financing needs, as well as to calculate future loan payments, and the results of the calculations are not binding on the bank. The sample calculations are valid for the entire term of the contract for annuity payments.

 

  1. Calculate installment
  2. Choose a contact method
  3. Send inquiry

Calculate your monthly installment

Use the slider or the input field to select your mortgage amount.The value updates automatically with the slider.When using the input field, press the TAB key to apply the change.
10 000 BGN
5 113 EUR 1 000 000 BGN
511 292 EUR
Calendar icon
12 Months 360 Months
Monthly installment
 
 
EUR
Total amount due
 BGN

 EUR
Interest rate
%
APR
%
Fees and other expenses
Documents handling fee
 BGN

 EUR
Plan Plus daily banking fee
 BGN

 EUR
Life Insurance (monthly)
 BGN

 EUR
Property Insurance (annually)
 BGN

 EUR

* For the double indication, the amounts in BGN have been converted into EUR at the fixed exchange rate of 1.95583 BGN/EUR and rounded to the second decimal place.

Choose a contact method

How do you prefer to be contacted?

  You will see the consultant, but he will not see you, unless you activate the camera on your device.

* For the double indication, the amounts in BGN have been converted into EUR at the fixed exchange rate of 1.95583 BGN/EUR and rounded to the second decimal place.

Send inquiry

Chosen installment
Personal information
Please, write your name and last name by identification card and separate your names with a space. Maximum of 50 symbols, as admissible symbols which can be contained in the name are “-“.
 
Email Icon Please enter a valid email.
Phone Icon Please enter a valid phone number.
Please enter a minimum of 5 characters or remove the link from the message and try again.
Robot security check is required.

* For the double indication, the amounts in BGN have been converted into EUR at the fixed exchange rate of 1.95583 BGN/EUR and rounded to the second decimal place.

The Mortgage Certificate is a document with an indicative calculation of the maximum amount of loan you can receive.

Request certificate

Calculate taxes and fees

Use the slider or the input field to select your mortgage amount.The value updates automatically with the slider.When using the input field, press the TAB key to apply the change.
10 000 BGN
5 113 EUR 1 000 000 BGN
511 299 EUR
10 000 BGN
5 113 EUR 1 000 000 BGN
511 292 EUR
City Icon The field is required!
Mortgage type
Yes No
Total taxes and fees
 
 
EUR
Property acquisition tax
 BGN

 EUR
Notarial deed of sale and purchase fee (incl. VAT)
 BGN

 EUR
Preparation of the deed of sale and purchase (incl. VAT)
 BGN

 EUR
Registration of the deed
 BGN

 EUR
Notary fee for contractual mortgage (incl. VAT)
 BGN

 EUR
Preparation of a contractual mortgage registration application (incl. VAT) Help Icon tooltip
 BGN

 EUR
Contractual mortgage registration
 BGN

 EUR
Other fees and commissions
 BGN

 EUR

* For the double indication, the amounts in BGN have been converted into EUR at the fixed exchange rate of 1.95583 BGN/EUR and rounded to the second decimal place.

Enter the purchase price of the property and the amount of the desired credit to calculate the local taxes, state and notary fees you will need to pay. This calculator is provided purely for the convenience of site users and calculations are approximate. In addition to the amounts indicated, additional fees may be payable for each specific transaction, depending on the relevant reports, declarations and other documents required by law - certificate of encumbrances, bank fees for transfers to the relevant departments and agencies, powers of attorney or notarization of declarations, etc. Local taxes are determined through a municipal council ordinance and vary from municipality to municipality.

Documents

The application documents depend on the customer profile. Follow the guidance of your bank consultant when preparing them.

Interest Methodology

Interest Indexes

 

Did you find your dream home?! Now it's time to check all required documents 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.

Did you receive your mortgage loan? Take advantage of absolutely free personal banker service with Comfort by UniCredit.

Once you finalize your mortgage through the Virtual Mortgage Centre, you will automatically receive access to Comfort by UniCredit* – our remote banking service by a personal banker and with full digital access.

With Comfort by UniCredit you benefit from:

  • A personal banker with whom you maintain contact entirely remotely by phone, email and video link

  • No need to visit an office.

  • Comprehensive service for all your bank products.

  • Comfort by UniCredit is a free service activated automatically after granting a mortgage loan through the Virtual Mortgage Centre.

 

Take the next step towards a new home by requesting a video meeting!

Video meeting

Frequently asked questions

All you need is a device with an internet connection – a computer, tablet or smartphone. You can join the meeting by following the link in your email invitation.

It is not mandatory, but is useful to prepare information about your:

  • monthly income
  • current loans
  • property (if you have already chosen one)

Our experts will tell you what is needed at the next stage.

Sure! You can involve your partner or another co-applicant in the conversation. Just let us know when you book an appointment.

You will receive:

  • a personalized offer tailored to your needs
  • advice about suitable products
  • information about the documents and next steps
  • you go through a completely remote process of mortgage loan disbursement

The decision whether to apply is entirely yours.

Yes, the video consultation is absolutely free and you are not bound to apply for a loan.