UBB

United Bulgarian Bank AD · Group I

KBC Group (Belgium)

Assets: 23,509 m €; № 2 · 19.4%
Loans: 12,790 m €; № 3 · 18.2%
Housing loans: 4,335 m €; № 2 · 21.2%
Deposits: 15,988 m €; № 2 · 17.5%

Interest-rate formation → Official website ↗

Data: BNB as of 30.06.2026. · Loans and insurance — the official websites of the bank and the insurers, checked on 11.10.2026.

Mortgage loan

Insurance and interest on the mortgage

Property Mandatory

Mandatory, in favour of the bank, for at least 100% of the outstanding loan, with a broad list of required risks. The client chooses the insurer within the bank’s conditions. When refinancing from another bank — paid by UBB.

Life Optional

Voluntary. DZI group insurance: death and disability over 75%; sum insured — the outstanding loan.

Interest rate

Floating, or fixed for the first 3, 5 or 10 years, then floating.

What the bank requires from the property insurance

The property is insured in favour of the bank for the loan term, for a sum of no less than 100% of the outstanding principal, without proportional indemnity, against: fire, explosion, implosion, natural disasters, flood, earthquake, malicious acts, vandalism, water/steam leakage, landslide and snow load.

Fire, lightning, explosion
Storm, hail, torrential rain
Flood
Earthquake
Vandalism, malicious acts
Water / steam leakage (plumbing)
Landslide
Snow and ice load

Insurance the bank offers with the mortgage

“Comfort for the Home” — “Home and Family Protection” programme

Optional

Insurer: DZI General Insurance

Partner insurance of the mortgaged property for the loan term; the premium is paid monthly with the instalment.

Fire, lightning, explosion
Storm, hail, torrential rain optional
Flood optional
Snow and ice load optional
Earthquake
Landslide optional
Water / steam leakage (plumbing) optional
Vandalism, malicious acts optional
Impact by a vehicle optional

Clauses are combined into packages stated in the certificate
Lightweight (paiant) structures and listed heritage buildings are not covered
A deductible may apply

IPID “Comfort for the Home” (BG) ↗ General terms “Comfort for the Home” (BG) ↗

Group term life insurance with the mortgage

Optional

Insurer: DZI Life Insurance

Covers the outstanding loan on death or severe disability. A variant with temporary-incapacity cover is available.

Death (accident and illness)
Permanent incapacity / disability
Temporary incapacity (sick leave) optional

Disability over 75%
Age 18–69; cover until age 70
Sum insured — up to the outstanding principal

IPID (without temporary incapacity) (BG) ↗ IPID (with temporary incapacity) (BG) ↗ General terms (BG) ↗

Consumer loan

Insurance and interest on the consumer loan

Insurance Optional

Life insurance with the consumer loan (DZI) — optional: death, disability over 75% and temporary incapacity over 60 days.

Interest rate Fixed or floating

Both types are offered: fixed for the whole term or variable (reference rate under the bank’s methodology + margin).

Insurance with the consumer loan

Group term life insurance with the consumer loan

Optional

Insurer: DZI Life Insurance

Covers the consumer-loan obligation on death, disability and prolonged temporary incapacity.

Death (accident and illness)
Permanent incapacity / disability
Temporary incapacity (sick leave)

Disability over 75%
Temporary incapacity — over 60 days, up to age 65
Age 18–69; over 65 — accident only

IPID (BG) ↗ General terms (BG) ↗

Sources (in Bulgarian): [1] [2] [3] [4] · Compare all banks →

This is a summary of what the bank and the insurers publish and is not insurance or financial advice. The loan agreement, the insurance policy and its general terms are binding.