Information · Guide
Frequently asked questions about buying
The questions buyers ask us most often – answered briefly. You will find all the details of the process under “Buying a property”, and we are happy to help with anything else in person.
Can foreigners buy property in Bulgaria?
Yes. EU and EEA citizens can buy apartments, houses and land (special rules for agricultural land). Citizens of other countries – the UK, for example – can buy apartments directly; land only through a Bulgarian company.
Do I pay an agent's commission as a buyer?
No. Our service is commission-free for buyers.
How high are the purchase costs?
In Pomorie (Aheloy) and Nessebar (Ravda), expect about 3.5 to 4% of the purchase price: municipal transfer tax (3% in both, legally 0.1 to 3%), notary fee, registration in the property register (0.1%), plus translator and, if you wish, a lawyer.
How long does a purchase take?
From the preliminary contract to registration in the property register, usually 4 to 8 weeks.
Do I have to come to Bulgaria to buy?
Not necessarily. The notary appointment can also be handled with a notarised power of attorney (with apostille). We do recommend viewing the property in person first – and we are happy to show you the area too.
Which documents do I need?
Your passport or – as an EU citizen – your ID card, plus a Bulgarian tax/personal number for foreigners (LNCh or a service number from the tax office). We will sort out the details together with the notary.
How is payment made?
In euros – Bulgaria has used the euro since 1 January 2026. Amounts of €5,113 (BGN 10,000) or more may only be paid by bank transfer, not in cash.
What do Act 14, Act 15 and Act 16 mean?
These are the construction stages of a building: Act 14 – shell completed. Act 15 – interior works completed, final approval still pending. Act 16 – final inspection completed, followed by the occupancy permit, the building is officially habitable.
Can I get a mortgage?
Depending on the bank, Bulgarian banks may lend from Act 14 or 15 (paid out in instalments as construction progresses), but only to a limited extent for foreigners. Most of our buyers pay from their own funds or finance through a bank in their home country.
What are the running costs?
The maintenance fee of the complex (depending on size and facilities, e.g. pool and gardens), the annual property tax and waste fee to the municipality, plus electricity and water by consumption. The municipality receives the purchase data from the notary; whether an additional property tax declaration is needed (e.g. for new builds), we clarify with you.
May I rent out the apartment?
Yes. Rental income is taxable in Bulgaria. We are happy to help you with letting.
Does buying give me the right to reside?
No, a purchase alone does not give you a right of residence. EU citizens may live in Bulgaria anyway; anyone staying longer than three months registers with the authorities.
Do you help after the purchase?
Yes. We remain your contact on site – from letting and management to renovating your apartment.
Your question was not answered?
Write to us or give us a call – we will advise you free of charge and without obligation, in German, English, Slovak and other languages.
Bulgaria buying guide as PDF
Process, documents, costs with example calculation and the key questions on 5 pages – free with your newsletter sign-up.
Last updated: November 2026. General information without guarantee – it does not replace legal or tax advice.