Buyer guides
Everything you need to know before you buy a home.
Four practical guides, in the order you will actually need them: first the real budget, then the bank's rules, then the steps up to the notary, and finally what the green discount is really worth. No banking jargon and no advertising for particular products.
Updated: August 2026Work out your budget
A free preliminary assessment from a FinCity credit adviser — discreet, no commitment and no documents at this stage. Start here.
To the guide →Mortgage basics
The Bulgarian National Bank's limits, the interest rate environment after euro adoption, how much cash you need, the steps of an application and the five most common mistakes.
To the guide →Buyer's checklist
An interactive checklist in eight phases — from financial preparation, through checking the property, to the notary and the days after completion.
To the guide →The green mortgage
When the certificate cuts the rate by 0.15% and when only by 0.05%, what that is worth in money, and which small share of the housing stock it applies to at all.
To the guide →In what order
The order matters.
The most expensive mistakes in buying a home don't come from choosing the wrong property. They come from doing things out of order: a viewing before a budget, a deposit before approval, a signature before a check. That is why the guides are arranged like this:
- Budget first. Until you know what your income actually supports, every viewing is guesswork. This step takes minutes and costs nothing.
- Then the rules. A mortgage has hard legal limits and cash costs that the loan does not cover. Better to learn them before you negotiate.
- Execution last. The checklist makes sure you don't skip a step between signing the preliminary contract and registration in the Property Register.
Find out your real budget.
A free preliminary estimate and a conversation with a FinCity credit adviser — no documents and no commitment at this stage.
Work out your budgetThe information in these guides is educational and reflects publicly available data and regulatory requirements as of July 2026. It is not financial, legal or tax advice, and it is not a recommendation for any particular credit product. FinHome is neither a credit intermediary nor a credit institution. Specific terms are set by the relevant bank after an individual assessment.