Mortgage Calculator for Bulgaria (2026)
Estimate equal monthly repayments, total interest and the cash needed before buying.
Property price (EUR): €200,000.00 · Deposit (%): 40% · Annual interest rate (%): 4.2% · Term (years): 20
Monthly payment: €739.88
Loan amount: €120,000.00
Total interest over the term: €57,572.37
Total repaid to the lender: €177,572.37
Cash needed up front: €91,200.00 – €99,400.00 · Deposit plus buying costs for a resale home with an agent. Bank fees and insurance are not included.
Some buying costs vary; ask your lawyer. This range includes only costs with stated figures.
Typical for buyers who do not live in Bulgaria
Deposit (%): 30–50%
Annual interest rate (%): 3.5–5%
Term (years): 15–20 years
Loans are in euros since Bulgaria joined the euro on 1 January 2026. Few banks lend to foreigners without a residence permit; UniCredit Bulbank is the one most often named. Buyers without Bulgarian income may get 50-60% of the value.
Sources
Typical terms for buyers who do not live in the country, from 2026 broker, bank and buying guides. Banks decide case by case; ranges are a starting point, not offers. Residents usually get higher loan-to-value and lower rates. Checked 2026-10-26. termYears is null where no source gave a range for non-residents; the calculator still uses the default term.
Homes for sale in Bulgaria · Read the full Bulgaria buying guide · Buying costs calculator · Yearly ownership costs
Mortgage questions
How are monthly payments calculated?
The calculator uses a standard annuity: equal monthly payments covering principal and interest. The rate is assumed constant throughout the term.
Are these mortgage terms guaranteed?
No. The sourced ranges are typical non-resident terms, not offers. Each bank assesses eligibility, income and the property separately.
What does cash needed up front include?
Your deposit plus the existing buying-cost estimate for a resale home with an agent. Unknown fees, bank charges and insurance are not included. Check the buying-costs calculator for other purchase types.
What if the interest rate changes?
The result assumes your entered rate stays unchanged. A variable-rate loan may have different future repayments; request a repayment schedule from your lender.