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Property

Bulgaria — Property: Mortgage Availability

ECB data show new household mortgage loans in Bulgaria at an average APRC of 2.81% in 2026-08 (euro area 3.91%).

VerifiedGovernment / official sourceECB – MFI interest rate statistics (MIR): cost of borrowing for house purchase, new businessLast reviewed: 2026-10-26

Key facts

  • ECB bank interest rate statistics: the average cost of borrowing (APRC) on new euro loans to households for house purchase in Bulgaria was 2.81% in 2026-08.
  • The rate was 2.77% three months earlier (2026-05) and 2.61% in 2025-09.
  • The euro area average for the same loan type was 3.91% in 2026-08, so Bulgaria was lower than the euro area average.
  • Data cover new business loans from monetary financial institutions to households, i.e. mortgage lending is available from domestic banks at these average rates; individual offers vary by borrower and loan-to-value.

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