Bulgaria Mortgage Calculator — Monthly Payments in EUR
Our Bulgaria mortgage calculator estimates monthly payments, total interest and full closing costs in EUR. It applies the loan-to-value, rate and term rules Bulgarian banks use for residents, EU buyers, non-EU buyers and companies — so the result reflects what you can actually borrow on the ground.
Your details
Additional buying costs
Rental income (optional)
For investors — estimate your rental yield.
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.
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Frequently asked questions
Can foreigners get a mortgage in Bulgaria?+
Yes. EU citizens are treated similarly to residents. Non-EU buyers typically need 40–50% down and pay a slightly higher rate. The calculator includes a non-resident mode.
What are typical mortgage rates in Bulgaria in 2026?+
Variable EUR mortgages from Bulgarian banks currently sit around 3.0–4.5% depending on profile, LTV and term.
Does the result include closing costs?+
Yes — the tool adds notary, registration, local tax (2.5–3%) and agency fees so you see the full all-in price, not just the loan.