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Offer No. 79858
/ Last editing: 22.01.2010
For sale Agricultural land
Location:
Dobrich Region, near Dobrich - villages
See a map of Bulgaria
Area: 184000 sq.m
Price: € 126 000
₤ 109 185 / USD 175 972
Price sq.m: ₤ 0.59 / USD 0.95 / € 0.68
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Agricultural land in Dobrich region
Specifications: For sale is a third category agricultural land with square surface of 184 000 sq.m. It is located in North-eastern Bulgaria, Dobrich region. The property faces an asphalt road, leading to the main road Dobrich-Albena. All utilities are available in close proximity.
Location: The property is located 7 km away from city of Dobrich and 20 km away from Albena resort. The village is well-preserved with good infrastructure. The land is on a very quiet and tranquil place in an ecologically clean region.
accents
- Next to the sea
- Ecologically clean region
- Excellent location
Additional information:
When organizing your trip to Bulgaria to view or purchase property it is very important that your trip is free from any troubles so you can focus on the main reason for your trip - to choose the right property. We, at Mirela Real Estate agency will be more than happy to organize your viewing trip to Bulgaria.
Before you come to Bulgaria we can organize or recommend a number of hotels providing accommodation.
On arrival you will be greeted by a friendly and highly trained representative.
Afterwards we will arrange for you the viewing of properties you may be interested in at any time convenient to you. At that time you will be accompanied by an experienced and qualified employee of ours to provide consultancy, interpretation and assistance when required.
- Electricity
Agent's valuation of the offer Very good!
Contacts
Company: SP Invest- LTD
Office: Veliko Tarnovo office (FRANCHISE)
Agent: Galina Garmidolova - property administrator
Telephone: +359 62 519060, +359 62 519070; Mobile: +359 882415605
See all the offers of Galina GarmidolovaMortgages in Bulgaria
You can rely on a Mortgage Loan from a Bulgarian bank that will finance your purchase, even if your income originates from another country. Mirela Real Estate agency has a partnership with leading Bulgarian banks based on a licensed contract, by the force of which we represent them, which is sign of respect and trust. Our credit specialists offer consulting services to our foreign clients and this service is free and doesn't influence the credit in any way.
Here are the main characteristics of a standard mortgage loan in Bulgaria are, as stated by two of the leading banks in the country - United Bulgarian Band and First Investment Bank.
UBB -United Bulgarian Bank
The client segments are the citizens of the European Union, USA and Canada. The minimum amount of the credit is Eur 7500, the maximum is Eur 250 000 for a period of up to 20 years (the currency is EUR). A person must be at least 23 years old to be considered eligible and the age plus the loan period shouldn't exceed 65 years. For the first year the interest rate is 1.5% or 5.9% for the first 3 years. There is a standard interest rate for the rest of the loan period which is 6.5%. The bank has an application fee of BGN 20 and an administration fee of 0.5%, payable at loan disbursement. The prepayment fee is 5%. The bank also offers property insurance.
First Investment bank
Every able local or foreign citizen is considered an eligible borrower. However, if the acquired property is a plot, a local citizen should acquire a property. There are no limits concerning the maximum loan amount. The maximum term is 240 months with a loan purpose - acquisition of a real estate. Up to 80% of the market value of the mortgaged property can be financed.
There is an option of a period when the borrower pays only interest which may be up to 12, 24 or 36 months. After it equal monthly installments during the loan term are paid. In case of overdue payments the bank charges a penalty interest rate which is the the interest rate agreed plus 20 points. The utilization is according to utilization plan. The application fee is Eur 50 and the management fee is 2%. There is also an early repayment charge from 2% to 5% as well as a commitment fee - 0.5% and a renegotiation fee - 1.5%. You can read more on the fees and charges on their website. The applicant's income should be 1.50 times the monthly installments. The minimum income that should remain per member of the household is 500 Eur for adults and 250 Eur for children.
The bank offers a life insurance option, which is paid by the borrower and property insurance.
Required Documents
Credit history documents (Experian Scorex, Equifax) - for citizens of the United Kingdom
Required documents for the income of the applicant / joint applicant:
For applicants / joint applicants working under labour contracts:
1. Form P-60 (required).
2. Letter from the Employer establishing the net income of the applicant / joint applicant (advisable).
3. Account statement for the last three months evidencing the declared incomes.
4. Other documents required by the Bank.
For applicants / joints applicants who work as freelancers or owners of companies:
1. Letter from an accountant establishing the net income for the last year or an Income Statement.
2. Account statement for bank account evidencing the declared incomes.
3. Other documents required by the Bank.
For applicants / joints applicants who receive rental income:
1. Account statement for the last three months evidencing the declared incomes.
2. Rental contract, if the income is not included in the annual Tax returns.
Applicants who are not citizens of the United Kingdom are expected to provide documents corresponding to those listed for UK citizens.
The term for approving the application is usually up to 2 days.