Bulgaria
Mortgages for residents & foreign buyers.
Compare rates, check eligibility and get matched with a Bulgarian lender.
Your details
Additional buying costs
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Monthly payment
€667
/ month
- Loan amount
- €120,000
- Down payment
- €30,000 · 20%
- Total interest
- €80,100
- Total repayment
- €200,100
- Loan-to-Value
- 80.0%
- Total cash needed
- €38,700
Additional buying costs
- Notary fees
- €2,250
- Legal fees
- €750
- Bank fees
- €1,200
- Property tax
- €4,500
The mortgage calculation is an estimate only and does not constitute financial advice. Actual mortgage terms, interest rates, approval conditions and fees may vary depending on the bank, buyer status and personal financial situation.
Mortgages for foreign buyers
EU buyers can secure mortgages on near-resident terms. Non-EU buyers typically need 30–40% down and a shorter term. We work with several lenders to match your profile.
Buying costs in Bulgaria
Plan for ~5–7% on top of the property price: notary, legal, bank and transfer tax. The calculator includes a realistic estimate using current market averages.
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Frequently asked questions
Can foreigners get a mortgage in Bulgaria?+
Yes. EU residents can obtain mortgages from most Bulgarian banks on similar terms to local buyers. Non-EU buyers often require a larger down payment (30–40%) and may have a shorter maximum term.
What is the typical down payment in Bulgaria?+
Most Bulgarian banks require a minimum down payment of 20% for residents and 30–40% for foreign buyers, depending on residency status and property type.
What interest rates apply to mortgages in Bulgaria?+
Mortgage rates in Bulgaria typically range from 3% to 6% per year, depending on the bank, down payment and your financial profile.
What additional costs should I budget for?+
Plan for roughly 5–7% on top of the property price: notary fees (~1.5%), legal fees (~0.5%), bank fees (~1% of the loan) and a property transfer tax of around 3%.
How long is a typical Bulgarian mortgage term?+
Most lenders offer terms between 10 and 30 years. Foreign buyers are often capped at 20–25 years and must repay the loan before age 65–70.