Bulgaria · Mortgages · Passport-linked guide
Mortgages for Foreign Buyers in Bulgaria
A Bulgarian bank product is not a national mortgage average. Nonresident access, foreign income, euro currency, LTV, term and account requirements remain bank- and borrower-specific.
Scope
Use the Bulgaria Passport for current structured rules
A Bulgarian bank product is not a national mortgage average. Nonresident access, foreign income, euro currency, LTV, term and account requirements remain bank- and borrower-specific.
OwnASea keeps ownership, immigration, tax, tourism, mortgage, registry/cadastre and succession evidence separate. Under-review values remain visibly pending and are never turned into a verified yes/no claim.
Country facts
Bulgaria Passport values
Regulatory versus product
No verified national typical LTV
Euro adoption changes currency context, not the distinction between regulatory limits, bank products and an actual borrower offer. Nonresident access and foreign-income treatment remain bank-specific.
Key points
What to remember
- EU/EEA and third-country land rules are not interchangeable.
- Apartment/unit ownership is not unrestricted land ownership.
- Bulgaria uses EUR from 1 January 2026; old BGN thresholds are not silently converted into current law.
- Ordinary property ownership is not a residence permit, and investment citizenship was abolished in 2022.
- Only categorised or registered tourist accommodation should be presented as compliant.
- Act 16/permission for use is a building-use document, not a title deed.
See the Bulgaria Country Passport and adjacent guides below.
General information: This guide is not legal, tax, immigration or investment advice.
Evidence first
Official and primary sources
These links come from the shared OwnASea Source Registry. Discovery sources are not used as sole authority for legal, tax or immigration claims.