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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


  • Possibility for long-term planning and cost optimization through a fixed amount of the lease instalments throughout the contract;
  • Using the leased asset without any risk for the Lessee with respect to the residual value of the asset at the end of the contract;
  • The monthly lease instalments are recognized as accounting expenditures of the Lessee;
  • Possibility for prompt replacement of the used leased asset at the end of the contract, for a brand-new leased asset, if a new contract is signed.


  • Lease financing type: operating lease excluding expenses for using the leased asset;
  • Lessees: legal entities and sole traders;
  • Assets to be financed: motor vehicles, means of transport and lifting equipment;
  • Financing period: from 3 to 5 years;
  • Financial guarantee: according to the specific approval for financing. (The financial guarantee is subject to refunding upon the expiration of the contractual period);
  • Monthly lease installments: annuities, only including the right of use of the leased property;
  • VAT is charged and is payable on the amount of the monthly lease instalments;
  • Currency of the monthly lease instalments: ЕUR;
  • Lease installments currency – in EUR or BGN.

Necessary documents

  • Lease financing application;
  • Balance sheet, income statement and tax return of the Lessee for the past 2 years;
  • Summary presentation of company’s business.
  • A copy of the quote by the supplier of the leased asset, subject matter of the lease transaction;
  • Copies of the ID cards of the authorized representatives of the Lessee company and the co-lessees.

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