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Reference interest rates

3M Euribor -0.572 RIR-UBB EURO (Ind) 0.200
RIR-UBB (BC) 0.000 RIR-UBB BGN (Ind) 0.200
last update: 29.11.2021
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Please fill in the inquiry form here.

I want more information on my current contract.
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Please visit the Client portal of UBB Interlease here.

In case you forfot your access password, please use the funcionality for password reset  /available in the field for passord/ in the Client Portal.

In case you have further questions and need for information and assistance regarding the customer service, please use the inquiry form in the Contacts.

What is a quarterly EURIBOR?
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EURIBOR is the interest rate offered by first-class banks participating in the London interbank market for euro deposits. The leasing schemes offered by UBB Interlease are updated every 90 days, according to the current quarterly EURIBOR.
What is the annual expenses rate according to the Consumer Credit Act?
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The annual expenses rate includes all the expenses, that are due under the lease contract, calculated as a persentage of the provided lease financing on the annual base.

What is a basic interest rate?
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The basic interest rate is the interest rate, defined by the Bulgarian National Bank under the art. 35 of the Bulgarian national bank Act, calculated on the annual basis.

How is the annual interest rate of the financial lease contract formed?
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In accordance with the approved financing and specified in the lease contract, the interest rate can be fixed or floating, and when financing in BGN, the annual interest rate can be determined as the Reference Interest Rate in BGN of UBB AD plus the respective interest margin specified in contract, and in the case of financing in euro, the annual interest rate may be defined as quarterly EURIBOR plus the corresponding interest margin specified in the contract.

What is the Reference interest rate of UBB AD?
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The reference interest rate (RIR) used by UBB Interlease EAD when defining the variable interest rate for financing in BGN for individuals and business clents.

For more information about the RIR of UBB AD please see here.

What is a quarterly EURIBOR?
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EURIBOR  is the interest rate for the deposits in EUR, offered by first class banks, which participate in the  London Interbank Market.  The leasing schemes offered by UBB Interlease / in case of financing in EUR / are updated every 90 days, according to the current quarterly EURIBOR.

What is the residual value under the lease contract?
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The monetary amount under the lease contract at the respective moment of its validity, after the payment of which the Lessee has the right to acquire ownership over the leased asset.