Essentials
Read this before you sign.
The most expensive mistakes in housing rarely come from choosing the wrong property. They come from deciding without the data. Here you will find prices by city and neighbourhood, what really sits behind your interest rate and your property tax, and every step from budget to notary — set out so that you negotiate with facts, not hopes.
Blog
Analysis and research.
Topics the market rarely explains plainly: what really drives your interest rate, who pays for a higher tax valuation, and how housing shapes the biggest decisions a family makes.
When a loan becomes unmanageable
Personal insolvency is now possible in Bulgaria, but it is not forgiveness on request. Who qualifies, what happens to a mortgage and to payday loans, and how to apply — step by step.
Read the article →Who really breaks the euro area’s rules?
Weighted by the size of each economy, Eurostat data show that only 4.7% of the euro area would pass all four entry criteria today. The rules are kept by the small.
Read the article →Raising the tax valuation
Doubled in three years: +30% in 2027, then +35% in each of 2028 and 2029. Economically, it is justified. But why now — after the boom, when the burden falls on every owner?
Read the article →Owning a home and the decision to have a child
A study of 4.4 million women over 12 years: homeowners conceive children more often than renters — and when prices rise, it matters when you bought.
Read the article →Floating on paper, fixed in practice
In the euro area, variable rates follow Euribor and reach 4.36%. Bulgaria’s are “variable” too, but behave like fixed ones — 2.40% and falling. Why, and what to ask your bank.
Read the article →Market analyses
Prices and trends by city.
Neighbourhood medians, real transactions versus asking prices, and practical conclusions for buyers and sellers in every major Bulgarian market. The analyses are currently available in Bulgarian.
Budget first. Then the right property.
See how FinHome structures buying and selling — without the noise and without unrealistic expectations.
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