Mortgage loan for young families
The purchase of one's own home is one of the most important steps in a person's life. We support those who are starting their own journey now.
The dream of owning your own home is more accessible than ever with a mortgage loan from UniCredit Bulbank!
Young couples under the age of 35 who live as a family or are married.
We know that for people in the early years of their careers, buying a home is a difficult moment, having to come up with significant self-contribution funds and covering the costs associated with the transaction.
That's why we created a mortgage loan specifically aimed at young couples and families. It includes preferential terms with minimal deductibles and initial costs, as well as the option of a long repayment term, tailored to your preferences for monthly installment.
Features of the loan
Maximum funding amount
Iconup to 85% of the property's valuation (maximum up to EUR 250,000)
Long term of the loan
Iconup to 30 years
Possibility for reduced installments
Iconin the first year with a grace period on the principal of up to 12 months
Minimum deductible
Icon5% of the price of the prior contract
Support in an important stage of life
Iconfor buying a home for the first time
Age of the loan applicant
Iconup to 35 years
All granted mortgage loans for young families until 31.12.2024 will be exempt from initial fees and the bank will cover the notary fees for the transaction in the amount of up to BGN 1,500.
*The minimum disposable income of at least one of the loan applicants (main loan applicant or spouse/partner) must be no less than BGN 2 500 gross (net income BGN 1 940).
Advantages of the loan for young couples and families
Minimal expenses and deductibles for the purchasing
Possibility for rescheduling of the installment in the first year
Long period of loan repayment up to 35 years
Support in an important stage of the life of young customers when buying a home for the first time
Want to obtain more information about mortgage loans for young families? Fill out a short online form and a bank expert will contact you as soon as possible.
You can also receive information on the telephone *2274 or by visiting the nearest UniCredit Bulbank branch.
Frequently asked questions
For households with family members up to 35 years of age.
It's not mandatory. The conditions are suitable for both married families and cohabiting couples.
The maximum allowable amount of the loan is up to EUR 250,000. In case the value of the property is higher, it will be necessary to pay the difference either with own funds or through additional financing.
The tax relief for young families can be used if the following conditions are met: The person has no unpaid tax liabilities; the mortgage loan agreement must be concluded by the taxable person and/or spouse with whom they have a civil marriage; the taxable person and/or the spouse have not reached the age of 35 on the date of conclusion of the mortgage loan; the mortgaged home is the only home for the family during the year. Tax reliefs are available only on the interest paid during the year. It is necessary to submit an annual tax declaration under Art. 50 of the Law of Personal Income Tax, and to the declaration shall be attached a reference from the creditor bank on the amount of mortgage interest paid during the year for the first BGN 100,000 of the principal.
Yes. If you receive your income in an account of another bank, it will be necessary to transfer the payment of your salary to your UniCredit Bulbank account when concluding the loan agreement.
No, it is not possible. The two persons are required to participate in both the loan and the contract for property purchase.
Additional useful information
My New Home
Buying a new home is not easy. We'll take you all the way from the first idea to finally getting the keys.
Programme “Recommend and Save”
You have a mortgage loan with UniCredit Bulbank? Recommend us to a friend and both of you will save.