Mortgage Rates in Bulgaria 2026 - Fixed or Variable and How to Choose

Current Mortgage Rate Levels in Bulgaria for 2026 As of March 2026, official BNB interest-rate statistics show an average interest rate on housing loans of 2.45% and an APR of 2.77%. The specific offer depends on the bank, the borrower profile (income, employment, credit history...

Upcoming Developments in Central Sofia 2026 - What to Choose and When to Buy

Central Sofia - Why Supply Is So Constrained In central Sofia construction is restricted by heritage planning regulations, existing development plans and a shortage of undeveloped or obsolete plots. Most new construction in the centre replaces ageing buildings - a process requir...

Rental Yield on an Apartment in Central Sofia: A Real-World Calculation for 2026

Gross vs Net Yield: The Difference Investors Often Overlook Gross yield is the relationship between annual rent and purchase price. Net yield also takes account of tax, maintenance costs and vacancy periods. In practice, the gap between the two is usually between 1 and 2 perce...

Mortgage for an Apartment in Central Sofia in 2026: Terms, Costs and a Real-World Calculation

How a Housing Loan Works When Buying an Apartment in New Construction For an off-plan property, the bank typically disburses the loan in tranches tied to construction progress. For a completed property with Act 16, the loan is usually disbursed in a single drawdown at the nota...

Renting Out an Apartment in Central Sofia in 2026: Lease Agreement, Rental Tax, Deposit, Risk Management

Central Sofia rents look predictable on paper, but the risk profile is different from outer districts. The same address that attracts stable tenants can also bring faster turnover, higher expectations, and more frequent complaints from neighbours, especially in buildings with str...

Warranty Periods for New Construction in Sofia City Centre Without Commission

People buy a property in Sofia city centre for the address, the access, and the long-term value. The real test comes later: the first winter, the first heavy rain, the first months of daily use of plumbing and electrics, the first weeks when traffic noise and vibrations start to...