Consumer Loan
Characteristics
Terms
IconFrom 3 up to 120 months
Currency
IconBGN
Minimum amount
Icon150 BGN
Maximum amount
Icon75 000 BGN
Interest rate type
IconAt the option of the borrower:
- Fixed for the entire credit period
- Variable - set aside of market interest rate index (1-month ADI) plus a margin.
Fixed interest rate
Iconoptional for the entire loan period
Term of the loan
Iconup to 10 years
Interest terms
IconPricing parameters are consistent with:
- Amount of the loan
- Transfer of salary at UniCredit Bulbank
Collateral
IconNo collateral*
*Subject to individual assessment of the risk profile of the customer
Special conditions
Iconfor self-insured clients
No hidden fees
Iconand commissions
Opportunity to get an insurance
Iconwith an insurance company partner of UniCredit Consumer Financing
The consumer loan is granted by UniCredit Consumer Financing. The monthly installment amount depends on the loan utilization date and the selected maturity date.
Example: A consumer loan in the amount of BGN 41,000 for 120 months. A monthly installment of BGN 459 with floating AIR 5.09%, APR 6.27% and upon salary transfer and digital signing of the loan agreement.
The total amount due at the end of the loan period is BGN 55 080, including insurance of a total value of BGN 1986.00 for the entire term of the loan. Monthly premium under the insurance - BGN 16.53, which is included in the monthly installment. The loan insurance is not mandatory and is additionally provided at the customer's choice. In the event that no insurance is added to the consumer loan, other loan conditions apply. The interest rate is determined based on the selected repayment period, the signature method and the availability of loan insurance.
*If no insurance policy has been concluded to the consumer loan agreement, no insurance premium shall be added to the monthly installment.
What can you use the loan for?
- Your home - repairs, purchase of furnishing, new equipment
- Training
- Trips and holidays
- Consolidation of obligations
- Current or unforeseen expenses
- Any special moments!
How to apply?
Documents Required
- ID card only*
*UniCredit Consumer Financing reserves the right to require additional documents
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