Virtual Mortgage Centre

AI (Artificial Intelligence) is a "smart" technology that analyzes the information you enter into the calculator in seconds. Unlike ordinary mortgage calculators, UniCredit Bulbank's artificial intelligence Niki doesn't just crunch numbers, but guides you based on your income and needs. This way, you receive an indicative offer prepared specifically for you, without wasting time on unnecessary calculations.

Niki uses the bank's current rules, as well as the data entered by you. The information presented by our artificial intelligence does not constitute an offer to enter into a contract and does not oblige the bank to provide the credit product to which this information refers, or to provide it under the terms shown.

After consulting our AI calculator, you can have a video meeting with our expert. All you need is a device with an internet connection – a computer, a tablet or a smartphone. You can join the meeting via the link in the invitation in your email. During the video meeting, you will see the consultant, but he will not see you unless you activate the camera on your device.

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.