Everything you need to know before buying property in Bulgaria.
Realistic prices for renovation by category — kitchen, bathroom, floors, electrical, furnishings. How much to set aside and what not to forget in the budget.
A practical guide for first-time buyers in Bulgaria — from documents and inspections to insurance and hidden costs. Everything we wished someone had told us before our purchase.
The notary fee is not a percentage — it's calculated by a special regressive tariff. Here are the exact brackets, examples for different prices, and what other fees await you on the deal.
Nobody plans to lose their job. But if you have a mortgage, you need to know what happens — and how many months you can hold out. Here's how to run a stress test.
The 30% rule, the 25% rule, and the 5x income rule — three ways to figure out whether you can afford a home in Sofia. Here's what the math says.
Banks only show you the monthly payment. But the real cost includes taxes, notary fees, insurance, renovation, and at least 10 more hidden expenses. Here's the full picture.
You borrow EUR 200,000. You pay back EUR 283,000. Where do those EUR 83,000 go? Here's how mortgage interest works, why the bank earns the most at the start, and what you can do about it.
Three forces work against you while you wait for prices to drop — prices, savings gap, and rates. Here's what 1 and 3 years of waiting actually cost in numbers.
A smaller down payment means a bigger loan, often a higher rate, and tens of thousands of euros in extra interest. Here's the exact 25-year math — and when putting less down actually makes sense.
Everyone says property is the best investment. But how much do you actually earn from renting out in Sofia, after all costs? We do the math with real numbers.
Buying together but not married? Without a co-ownership agreement you risk everything — at breakup, death, or missed payment. Here's what Bulgarian law says.