UniCredit Bulbank
The reference rate is the variable component — it moves according to the bank’s methodology. The margin is fixed for the term of the contract.
Sample interest calculation
An illustration of the formula, not an offer. Enter the margin from your offer; the reference rate is preloaded with the latest known value and may be changed by the bank.
Applicable value / update
The methodology is published as the reference rate for euro loans; the specific value is checked against the bank’s current interest-rate indices.
Reference-rate model / index For loans in euro it uses ISDD — the Household Term Deposits Index.
How the index is formed ISDD is an index based on household term deposits; the bank publishes a reference-rate methodology for euro-denominated loans.
Scope / contracts New and applicable contracts according to the product terms; older contracts may follow a different methodology.
Notes Some older contracts have methodologies linked to 3M EURIBOR; ISDD was introduced for new lev mortgages from 05.02.2024.
This information is an overview and is not legal or financial advice. For a specific loan, the contract and the bank’s latest published values and methodologies prevail. Data as of 23.06.2026, maintained manually.