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Reference interest rates

3M Euribor 0.391 RIR-UBB (BC) 0.200
RIR-UBB EURO (Ind) 0.000 RIR-UBB BGN (Ind) 0.200
last update: 19.08.2022


  • Possible provision of a lease schedule with seasonal lease instalments;
  • Attractive low deposit;
  • Competitive interest rate;
  • Minimum one-off service fee;
  • Possibility for a lease period, longer than the standard five-year period.


  • Lease financing type: open-end or closed-end financial lease;
  • Lessees: Farmers and legal entities;
  • Assets to be financed: new and used agricultural /up to 8 years from the manufacturing date/ and agricultural assets;
  • Minimum lease price: from ЕUR 10 000 VAT excluded;
  • Minimum initial installment for new assets: 5% of the lease price, in the case of VAT payable in advance;
  • Interest rate: as negotiated (depending on company’s financial position);
  • Financing period: up to 72 months (for new assets);
  • Residual values at the end of the lease period: depending on the lease contract type /with open or closed end/ and according to the lease period;
  • Currency of the financing: в EUR;
  • Lease installments currency – in EUR or BGN.

Necessary documents

  • Lease financing application;
  • Balance sheet, income statement and tax return for the previous year, regarding the revenues and expenditures in the previous year and interim statements on the current year;
  • Document, evidencing the registration of the farmer in the respective registers of the Ministry of Agriculture and Food;
  • A copy of the quote by the manufacturer of the equipment - subject matter of the lease transaction;
  • Certificate of the presence/absence of liabilities, issued by the revenue body as per art. 87, para. 6 of the Tax and Social Security Procedure Code;
  • Copies of the ID cards of the authorized representatives of the Lessee company and the co-lessees.

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