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Bulgaria mortgage calculator

The key figure is not the monthly payment — it is the own funds you need up front. It depends heavily on your borrower status.

Borrower status

A local co-borrower is often required for this status.

Repayment type
Loan-to-value (LTV)from 50.00% to 60.00%
Interest ratefrom 4.00% to 5.00%

Market average rate: 2.60%, BNB/ECB, July 2026

Funds needed upfront
from €94,110
approx. up to
€112,968
Down payment plus all transaction costs — the own funds you need before the deal. In Bulgaria such payments are made by bank transfer.
  • Down payment€95,500
  • Local transfer tax€6,000
  • Notary fee€805
  • Registry entry (вписване)€200
  • Appraisal€250
  • Bank fee€523
  • Property insurance (year 1)€261
Monthly payment
from €501 to €666/mo
APR (annual cost of credit)
from 4.18% to 5.22%
The APR, not the nominal rate, is the figure required to be disclosed in Bulgaria.
Stress test (rate +1/+2/+3 pp)
+1 pp€642
+2 pp€706
+3 pp€772
Amortization: principal and interest by year
  • Principal€104,500
  • Interest€69,753
  • Total paid€174,253
  • Overpayment (interest)+67%

The final decision is made by the bank.

An approximate estimate based on market conditions — not a bank offer. Exact amounts depend on the bank, the appraiser and the municipality's rules.

Note: EU banks are restricted from accepting deposits over €100,000 from Russian nationals (Art. 5b of EU Regulation 833/2014); this does not apply to holders of citizenship or a residence permit of an EU/EEA country or Switzerland. This is information, not an assessment. EU Regulation 833/2014

Rate and LTV ranges valid as of July 2026.