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Bulgaria's confirmed entry into the Eurozone on January 1, 2026, has catalyzed increased activity in the country's real estate market. Financial analysts and property experts agree that the transition to the euro will trigger a significant rise in housing prices, potentially reaching 10-15% over the next two years, and are advising potential buyers not to postpone their transactions.
- Firstly, an influx of foreign investors from EU countries is expected, for whom currency risks and conversion fees will disappear, making the process of buying an apartment or house simpler and more transparent.
- Secondly, mortgage lending conditions are projected to improve. Average interest rates are expected to fall from the current 3-4% to below 3%, thanks to Bulgarian banks gaining access to cheaper financial resources from the European Central Bank.
- The third factor is heightened domestic demand, with buyers rushing to lock in current prices in leva before their expected increase. This trend is already visible in the 2025 price dynamics. The greatest surge is seen in resort areas like Sunny Beach, where housing prices have risen by 10-13%. In the capital, Sofia, and major cities like Varna, the growth is more moderate but stable, within the 7-10% range.
However, experts also warn of risks, primarily speculative price growth. Some sellers are already artificially inflating property values in anticipation of the boom, which could lead to purchasing an overvalued asset. Specialists advise buyers to conduct thorough due diligence on properties and not to ignore additional costs such as taxes and notary fees, which can amount to up to 5% of the property value.
