All Bulgaria Mortgage (Home) Calculator

Home Price
лв
Down Payment
Loan Term
Interest Rate
%
Start Date
Monthly Payment
Results Summary

House Price: лв120000.00

Loan Amount: лв108000.00

Down Payment: лв12000.00

Total of 240 Mortgage Payments: лв159816.00

Total Interest: лв51816.00

Mortgage Payoff Date: Apr 2045

Amortization Schedule

🗓️ Monthly Amortization Schedule
MonthDateInterestPrincipalEnding Balance
1 Apr 2025 лв378.00 лв287.90 лв107712.10
2 May 2025 лв376.99 лв288.91 лв107423.19
3 Jun 2025 лв375.98 лв289.92 лв107133.27
4 Jul 2025 лв374.97 лв290.93 лв106842.34
5 Aug 2025 лв373.95 лв291.95 лв106550.39
6 Sep 2025 лв372.93 лв292.97 лв106257.41
7 Oct 2025 лв371.90 лв294.00 лв105963.42
8 Nov 2025 лв370.87 лв295.03 лв105668.39
9 Dec 2025 лв369.84 лв296.06 лв105372.33
10 Jan 2026 лв368.80 лв297.10 лв105075.23
11 Feb 2026 лв367.76 лв298.14 лв104777.09
12 Mar 2026 лв366.72 лв299.18 лв104477.91
13 Apr 2026 лв365.67 лв300.23 лв104177.69
14 May 2026 лв364.62 лв301.28 лв103876.41
15 Jun 2026 лв363.57 лв302.33 лв103574.08
16 Jul 2026 лв362.51 лв303.39 лв103270.68
17 Aug 2026 лв361.45 лв304.45 лв102966.23
18 Sep 2026 лв360.38 лв305.52 лв102660.71
19 Oct 2026 лв359.31 лв306.59 лв102354.13
20 Nov 2026 лв358.24 лв307.66 лв102046.47
21 Dec 2026 лв357.16 лв308.74 лв101737.73
22 Jan 2027 лв356.08 лв309.82 лв101427.91
23 Feb 2027 лв355.00 лв310.90 лв101117.01
24 Mar 2027 лв353.91 лв311.99 лв100805.02
25 Apr 2027 лв352.82 лв313.08 лв100491.93
26 May 2027 лв351.72 лв314.18 лв100177.76
27 Jun 2027 лв350.62 лв315.28 лв99862.48
28 Jul 2027 лв349.52 лв316.38 лв99546.10
29 Aug 2027 лв348.41 лв317.49 лв99228.61
30 Sep 2027 лв347.30 лв318.60 лв98910.01
31 Oct 2027 лв346.19 лв319.71 лв98590.29
32 Nov 2027 лв345.07 лв320.83 лв98269.46
33 Dec 2027 лв343.94 лв321.96 лв97947.50
34 Jan 2028 лв342.82 лв323.08 лв97624.42
35 Feb 2028 лв341.69 лв324.21 лв97300.20
36 Mar 2028 лв340.55 лв325.35 лв96974.86
37 Apr 2028 лв339.41 лв326.49 лв96648.37
38 May 2028 лв338.27 лв327.63 лв96320.74
39 Jun 2028 лв337.12 лв328.78 лв95991.96
40 Jul 2028 лв335.97 лв329.93 лв95662.03
41 Aug 2028 лв334.82 лв331.08 лв95330.95
42 Sep 2028 лв333.66 лв332.24 лв94998.71
43 Oct 2028 лв332.50 лв333.40 лв94665.30
44 Nov 2028 лв331.33 лв334.57 лв94330.73
45 Dec 2028 лв330.16 лв335.74 лв93994.99
46 Jan 2029 лв328.98 лв336.92 лв93658.07
47 Feb 2029 лв327.80 лв338.10 лв93319.97
48 Mar 2029 лв326.62 лв339.28 лв92980.69
49 Apr 2029 лв325.43 лв340.47 лв92640.23
50 May 2029 лв324.24 лв341.66 лв92298.57
51 Jun 2029 лв323.04 лв342.86 лв91955.71
52 Jul 2029 лв321.84 лв344.06 лв91611.66
53 Aug 2029 лв320.64 лв345.26 лв91266.40
54 Sep 2029 лв319.43 лв346.47 лв90919.93
55 Oct 2029 лв318.22 лв347.68 лв90572.25
56 Nov 2029 лв317.00 лв348.90 лв90223.35
57 Dec 2029 лв315.78 лв350.12 лв89873.23
58 Jan 2030 лв314.56 лв351.34 лв89521.89
59 Feb 2030 лв313.33 лв352.57 лв89169.32
60 Mar 2030 лв312.09 лв353.81 лв88815.51
61 Apr 2030 лв310.85 лв355.05 лв88460.46
62 May 2030 лв309.61 лв356.29 лв88104.18
63 Jun 2030 лв308.36 лв357.54 лв87746.64
64 Jul 2030 лв307.11 лв358.79 лв87387.85
65 Aug 2030 лв305.86 лв360.04 лв87027.81
66 Sep 2030 лв304.60 лв361.30 лв86666.51
67 Oct 2030 лв303.33 лв362.57 лв86303.94
68 Nov 2030 лв302.06 лв363.84 лв85940.11
69 Dec 2030 лв300.79 лв365.11 лв85575.00
70 Jan 2031 лв299.51 лв366.39 лв85208.61
71 Feb 2031 лв298.23 лв367.67 лв84840.94
72 Mar 2031 лв296.94 лв368.96 лв84471.98
73 Apr 2031 лв295.65 лв370.25 лв84101.73
74 May 2031 лв294.36 лв371.54 лв83730.19
75 Jun 2031 лв293.06 лв372.84 лв83357.35
76 Jul 2031 лв291.75 лв374.15 лв82983.20
77 Aug 2031 лв290.44 лв375.46 лв82607.74
78 Sep 2031 лв289.13 лв376.77 лв82230.96
79 Oct 2031 лв287.81 лв378.09 лв81852.87
80 Nov 2031 лв286.49 лв379.41 лв81473.46
81 Dec 2031 лв285.16 лв380.74 лв81092.71
82 Jan 2032 лв283.82 лв382.08 лв80710.64
83 Feb 2032 лв282.49 лв383.41 лв80327.23
84 Mar 2032 лв281.15 лв384.75 лв79942.47
85 Apr 2032 лв279.80 лв386.10 лв79556.37
86 May 2032 лв278.45 лв387.45 лв79168.92
87 Jun 2032 лв277.09 лв388.81 лв78780.11
88 Jul 2032 лв275.73 лв390.17 лв78389.94
89 Aug 2032 лв274.36 лв391.54 лв77998.40
90 Sep 2032 лв272.99 лв392.91 лв77605.50
91 Oct 2032 лв271.62 лв394.28 лв77211.22
92 Nov 2032 лв270.24 лв395.66 лв76815.56
93 Dec 2032 лв268.85 лв397.05 лв76418.51
94 Jan 2033 лв267.46 лв398.44 лв76020.08
95 Feb 2033 лв266.07 лв399.83 лв75620.25
96 Mar 2033 лв264.67 лв401.23 лв75219.02
97 Apr 2033 лв263.27 лв402.63 лв74816.38
98 May 2033 лв261.86 лв404.04 лв74412.34
99 Jun 2033 лв260.44 лв405.46 лв74006.88
100 Jul 2033 лв259.02 лв406.88 лв73600.01
101 Aug 2033 лв257.60 лв408.30 лв73191.71
102 Sep 2033 лв256.17 лв409.73 лв72781.98
103 Oct 2033 лв254.74 лв411.16 лв72370.82
104 Nov 2033 лв253.30 лв412.60 лв71958.21
105 Dec 2033 лв251.85 лв414.05 лв71544.17
106 Jan 2034 лв250.40 лв415.50 лв71128.67
107 Feb 2034 лв248.95 лв416.95 лв70711.72
108 Mar 2034 лв247.49 лв418.41 лв70293.31
109 Apr 2034 лв246.03 лв419.87 лв69873.44
110 May 2034 лв244.56 лв421.34 лв69452.10
111 Jun 2034 лв243.08 лв422.82 лв69029.28
112 Jul 2034 лв241.60 лв424.30 лв68604.98
113 Aug 2034 лв240.12 лв425.78 лв68179.20
114 Sep 2034 лв238.63 лв427.27 лв67751.93
115 Oct 2034 лв237.13 лв428.77 лв67323.16
116 Nov 2034 лв235.63 лв430.27 лв66892.89
117 Dec 2034 лв234.13 лв431.77 лв66461.12
118 Jan 2035 лв232.61 лв433.29 лв66027.83
119 Feb 2035 лв231.10 лв434.80 лв65593.03
120 Mar 2035 лв229.58 лв436.32 лв65156.70
121 Apr 2035 лв228.05 лв437.85 лв64718.85
122 May 2035 лв226.52 лв439.38 лв64279.47
123 Jun 2035 лв224.98 лв440.92 лв63838.54
124 Jul 2035 лв223.43 лв442.47 лв63396.08
125 Aug 2035 лв221.89 лв444.01 лв62952.07
126 Sep 2035 лв220.33 лв445.57 лв62506.50
127 Oct 2035 лв218.77 лв447.13 лв62059.37
128 Nov 2035 лв217.21 лв448.69 лв61610.68
129 Dec 2035 лв215.64 лв450.26 лв61160.42
130 Jan 2036 лв214.06 лв451.84 лв60708.58
131 Feb 2036 лв212.48 лв453.42 лв60255.16
132 Mar 2036 лв210.89 лв455.01 лв59800.15
133 Apr 2036 лв209.30 лв456.60 лв59343.55
134 May 2036 лв207.70 лв458.20 лв58885.35
135 Jun 2036 лв206.10 лв459.80 лв58425.55
136 Jul 2036 лв204.49 лв461.41 лв57964.14
137 Aug 2036 лв202.87 лв463.03 лв57501.12
138 Sep 2036 лв201.25 лв464.65 лв57036.47
139 Oct 2036 лв199.63 лв466.27 лв56570.20
140 Nov 2036 лв198.00 лв467.90 лв56102.29
141 Dec 2036 лв196.36 лв469.54 лв55632.75
142 Jan 2037 лв194.71 лв471.19 лв55161.57
143 Feb 2037 лв193.07 лв472.83 лв54688.73
144 Mar 2037 лв191.41 лв474.49 лв54214.24
145 Apr 2037 лв189.75 лв476.15 лв53738.09
146 May 2037 лв188.08 лв477.82 лв53260.28
147 Jun 2037 лв186.41 лв479.49 лв52780.79
148 Jul 2037 лв184.73 лв481.17 лв52299.62
149 Aug 2037 лв183.05 лв482.85 лв51816.77
150 Sep 2037 лв181.36 лв484.54 лв51332.23
151 Oct 2037 лв179.66 лв486.24 лв50845.99
152 Nov 2037 лв177.96 лв487.94 лв50358.05
153 Dec 2037 лв176.25 лв489.65 лв49868.40
154 Jan 2038 лв174.54 лв491.36 лв49377.04
155 Feb 2038 лв172.82 лв493.08 лв48883.96
156 Mar 2038 лв171.09 лв494.81 лв48389.16
157 Apr 2038 лв169.36 лв496.54 лв47892.62
158 May 2038 лв167.62 лв498.28 лв47394.34
159 Jun 2038 лв165.88 лв500.02 лв46894.32
160 Jul 2038 лв164.13 лв501.77 лв46392.55
161 Aug 2038 лв162.37 лв503.53 лв45889.03
162 Sep 2038 лв160.61 лв505.29 лв45383.74
163 Oct 2038 лв158.84 лв507.06 лв44876.68
164 Nov 2038 лв157.07 лв508.83 лв44367.85
165 Dec 2038 лв155.29 лв510.61 лв43857.24
166 Jan 2039 лв153.50 лв512.40 лв43344.84
167 Feb 2039 лв151.71 лв514.19 лв42830.64
168 Mar 2039 лв149.91 лв515.99 лв42314.65
169 Apr 2039 лв148.10 лв517.80 лв41796.85
170 May 2039 лв146.29 лв519.61 лв41277.24
171 Jun 2039 лв144.47 лв521.43 лв40755.81
172 Jul 2039 лв142.65 лв523.25 лв40232.56
173 Aug 2039 лв140.81 лв525.09 лв39707.47
174 Sep 2039 лв138.98 лв526.92 лв39180.55
175 Oct 2039 лв137.13 лв528.77 лв38651.78
176 Nov 2039 лв135.28 лв530.62 лв38121.16
177 Dec 2039 лв133.42 лв532.48 лв37588.69
178 Jan 2040 лв131.56 лв534.34 лв37054.35
179 Feb 2040 лв129.69 лв536.21 лв36518.14
180 Mar 2040 лв127.81 лв538.09 лв35980.05
181 Apr 2040 лв125.93 лв539.97 лв35440.08
182 May 2040 лв124.04 лв541.86 лв34898.22
183 Jun 2040 лв122.14 лв543.76 лв34354.46
184 Jul 2040 лв120.24 лв545.66 лв33808.80
185 Aug 2040 лв118.33 лв547.57 лв33261.23
186 Sep 2040 лв116.41 лв549.49 лв32711.75
187 Oct 2040 лв114.49 лв551.41 лв32160.34
188 Nov 2040 лв112.56 лв553.34 лв31607.00
189 Dec 2040 лв110.62 лв555.28 лв31051.73
190 Jan 2041 лв108.68 лв557.22 лв30494.51
191 Feb 2041 лв106.73 лв559.17 лв29935.34
192 Mar 2041 лв104.77 лв561.13 лв29374.21
193 Apr 2041 лв102.81 лв563.09 лв28811.12
194 May 2041 лв100.84 лв565.06 лв28246.06
195 Jun 2041 лв98.86 лв567.04 лв27679.02
196 Jul 2041 лв96.88 лв569.02 лв27110.00
197 Aug 2041 лв94.88 лв571.02 лв26538.98
198 Sep 2041 лв92.89 лв573.01 лв25965.97
199 Oct 2041 лв90.88 лв575.02 лв25390.95
200 Nov 2041 лв88.87 лв577.03 лв24813.92
201 Dec 2041 лв86.85 лв579.05 лв24234.87
202 Jan 2042 лв84.82 лв581.08 лв23653.79
203 Feb 2042 лв82.79 лв583.11 лв23070.68
204 Mar 2042 лв80.75 лв585.15 лв22485.53
205 Apr 2042 лв78.70 лв587.20 лв21898.32
206 May 2042 лв76.64 лв589.26 лв21309.07
207 Jun 2042 лв74.58 лв591.32 лв20717.75
208 Jul 2042 лв72.51 лв593.39 лв20124.36
209 Aug 2042 лв70.44 лв595.46 лв19528.90
210 Sep 2042 лв68.35 лв597.55 лв18931.35
211 Oct 2042 лв66.26 лв599.64 лв18331.71
212 Nov 2042 лв64.16 лв601.74 лв17729.97
213 Dec 2042 лв62.05 лв603.85 лв17126.12
214 Jan 2043 лв59.94 лв605.96 лв16520.17
215 Feb 2043 лв57.82 лв608.08 лв15912.09
216 Mar 2043 лв55.69 лв610.21 лв15301.88
217 Apr 2043 лв53.56 лв612.34 лв14689.54
218 May 2043 лв51.41 лв614.49 лв14075.05
219 Jun 2043 лв49.26 лв616.64 лв13458.41
220 Jul 2043 лв47.10 лв618.80 лв12839.62
221 Aug 2043 лв44.94 лв620.96 лв12218.65
222 Sep 2043 лв42.77 лв623.13 лв11595.52
223 Oct 2043 лв40.58 лв625.32 лв10970.20
224 Nov 2043 лв38.40 лв627.50 лв10342.70
225 Dec 2043 лв36.20 лв629.70 лв9713.00
226 Jan 2044 лв34.00 лв631.90 лв9081.09
227 Feb 2044 лв31.78 лв634.12 лв8446.98
228 Mar 2044 лв29.56 лв636.34 лв7810.64
229 Apr 2044 лв27.34 лв638.56 лв7172.08
230 May 2044 лв25.10 лв640.80 лв6531.28
231 Jun 2044 лв22.86 лв643.04 лв5888.24
232 Jul 2044 лв20.61 лв645.29 лв5242.95
233 Aug 2044 лв18.35 лв647.55 лв4595.40
234 Sep 2044 лв16.08 лв649.82 лв3945.59
235 Oct 2044 лв13.81 лв652.09 лв3293.49
236 Nov 2044 лв11.53 лв654.37 лв2639.12
237 Dec 2044 лв9.24 лв656.66 лв1982.46
238 Jan 2045 лв6.94 лв658.96 лв1323.50
239 Feb 2045 лв4.63 лв661.27 лв662.23
240 Mar 2045 лв2.32 лв663.58 лв-1.35

📅 Annual Amortization Schedule
YearDateInterestPrincipalEnding Balance
1 Apr 2025 - Apr 2026 лв4468.71 лв3522.09 лв104477.91
2 Apr 2026 - Apr 2027 лв4317.90 лв3672.90 лв100805.02
3 Apr 2027 - Apr 2028 лв4160.64 лв3830.16 лв96974.86
4 Apr 2028 - Apr 2029 лв3996.64 лв3994.16 лв92980.69
5 Apr 2029 - Apr 2030 лв3825.62 лв4165.18 лв88815.51
6 Apr 2030 - Apr 2031 лв3647.27 лв4343.53 лв84471.98
7 Apr 2031 - Apr 2032 лв3461.29 лв4529.51 лв79942.47
8 Apr 2032 - Apr 2033 лв3267.35 лв4723.45 лв75219.02
9 Apr 2033 - Apr 2034 лв3065.10 лв4925.70 лв70293.31
10 Apr 2034 - Apr 2035 лв2854.19 лв5136.61 лв65156.70
11 Apr 2035 - Apr 2036 лв2634.25 лв5356.55 лв59800.15
12 Apr 2036 - Apr 2037 лв2404.89 лв5585.91 лв54214.24
13 Apr 2037 - Apr 2038 лв2165.71 лв5825.09 лв48389.16
14 Apr 2038 - Apr 2039 лв1916.30 лв6074.50 лв42314.65
15 Apr 2039 - Apr 2040 лв1656.20 лв6334.60 лв35980.05
16 Apr 2040 - Apr 2041 лв1384.96 лв6605.84 лв29374.21
17 Apr 2041 - Apr 2042 лв1102.11 лв6888.69 лв22485.53
18 Apr 2042 - Apr 2043 лв807.15 лв7183.65 лв15301.88
19 Apr 2043 - Apr 2044 лв499.56 лв7491.24 лв7810.64
20 Apr 2044 - Apr 2045 лв178.80 лв7812.00 лв-1.35

 

Simple Mortgage (Home) Loan Repayment Calculator Bulgaria

Calculating your mortgage repayment can be a daunting task, especially with the various factors at play. At mortgagecalculator24.com, we simplify this process for you with our user-friendly Simple Mortgage (Home) Loan Repayment Calculator specifically designed for Bulgaria. Get accurate estimates quickly and make informed decisions about your home financing.

How the Simple Mortgage (Home) Loan Repayment Calculator Bulgaria Works

  • Enter Home Price: Input the total price of the home you wish to purchase.
  • Down Payment (optional): Enter the amount you plan to pay upfront.
  • Loan Term: Choose the duration for which you want to take the loan.
  • Interest Rate: Input the annual interest rate offered by your lender.
  • Start Date: Specify when you plan to start your mortgage.
  • Add Taxes and Other Amounts: Include any additional costs like insurance or property taxes.
  • Get Instant Results: Calculate your monthly repayments instantly!

Factors to Consider Before Getting a Mortgage

Before you proceed with a mortgage, consider the following key factors:

  • Credit Score: A strong credit score can significantly lower your interest rates.
  • Income Stability: Ensure you have a stable income to support your monthly repayments.
  • Debt-to-Income Ratio: Lenders evaluate your current debts in relation to your income.
  • Market Conditions: Understand current market trends that may affect loan options.
  • Personal Financial Goals: Align your mortgage choices with your long-term financial objectives.

Common Mistakes to Avoid When Getting a Mortgage in Bulgaria

Here are some common pitfalls to be aware of:

  • Not Shopping Around: Failing to compare multiple lenders can lead to higher rates.
  • Ignoring Fees: Overlooking additional fees can inflate your overall costs.
  • Underestimating Total Cost: Focusing only on monthly payments can obscure the full financial impact.
  • Neglecting Pre-Approval: Skipping pre-approval can hinder your bargaining power.
  • Forgetting about Future Changes: Not considering potential life changes can affect repayment ability.

Mortgage Costs Often Overlooked

  • Closing Costs: These include fees for processing the mortgage, appraisal, and title insurance.
  • Property Taxes: Often paid monthly, these can add significantly to your overall cost.
  • Homeowner’s Insurance: Required by lenders, this protects your investment and is an ongoing cost.
  • Maintenance Costs: Always factor in regular upkeep and unexpected repairs for your property.
  • Private Mortgage Insurance (PMI): Required if your down payment is less than 20%, this adds to your monthly expenses.

Frequently Asked Questions About Mortgages in Bulgaria

What is the minimum down payment required for a mortgage in Bulgaria?

The minimum down payment typically ranges from 10% to 30% of the home price, depending on the lender.

How long does it take to get approved for a mortgage?

Approval can take anywhere from a few days to several weeks, depending on the lender and documentation provided.

Are there prepayment penalties on mortgages?

Some lenders may impose prepayment penalties, so it�s crucial to review your loan agreement carefully.

Can I get a mortgage with a low credit score?

While challenging, it is possible to secure a mortgage with a low credit score through specialized lenders.

Is it better to get a fixed or variable interest rate?

Fixed rates provide stability, while variable rates can offer lower initial payments but come with risks of future increases.

What documents do I need to apply for a mortgage?

Common documents include proof of income, tax returns, and credit history.

Can I include renovation costs in my mortgage?

Yes, some lenders offer renovation loans that allow you to finance home improvements.

What is the typical mortgage term in Bulgaria?

Mortgage terms usually range from 10 to 30 years, with 20 years being quite common.

Are there government incentives for first-time homebuyers?

Yes, Bulgaria offers various programs to assist first-time homebuyers, including lower interest rates.

What should I do if I can’t make my mortgage payment?

Contact your lender immediately to discuss options, such as loan modification or forbearance.