{"id":29312,"date":"2026-04-23T11:39:29","date_gmt":"2026-04-23T08:39:29","guid":{"rendered":"https:\/\/bohemihomes.bg\/?p=29312"},"modified":"2026-04-23T11:39:30","modified_gmt":"2026-04-23T08:39:30","slug":"kak-proticha-sdelka-s-ipoteka-stapka-po-stapka","status":"publish","type":"post","link":"https:\/\/bohemihomes.bg\/en\/kak-proticha-sdelka-s-ipoteka-stapka-po-stapka\/","title":{"rendered":"How a mortgage deal proceeds \u2013 step by step"},"content":{"rendered":"<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1536\" height=\"1024\" src=\"https:\/\/bohemihomes.bg\/wp-content\/uploads\/2026\/04\/kak-proticha-sdelka-s-ipoteka-stapka-po-stapka.png\" alt=\"\u041f\u043e\u043a\u0443\u043f\u043a\u0430 \u043d\u0430 \u0438\u043c\u043e\u0442 \u0441 \u0438\u043f\u043e\u0442\u0435\u0447\u0435\u043d \u043a\u0440\u0435\u0434\u0438\u0442 - \u0441\u0442\u044a\u043f\u043a\u0430 \u043f\u043e \u0441\u0442\u044a\u043f\u043a\u0430\" class=\"wp-image-29313\" srcset=\"https:\/\/bohemihomes.bg\/wp-content\/uploads\/2026\/04\/kak-proticha-sdelka-s-ipoteka-stapka-po-stapka.png 1536w, https:\/\/bohemihomes.bg\/wp-content\/uploads\/2026\/04\/kak-proticha-sdelka-s-ipoteka-stapka-po-stapka-18x12.png 18w\" sizes=\"(max-width: 1536px) 100vw, 1536px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped wp-block-gallery-1 is-layout-flex wp-block-gallery-is-layout-flex\"><\/figure>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p>Buying a property with a mortgage loan is one of the most common practices in the market of <strong><a href=\"https:\/\/bohemihomes.bg\/en\/\" data-type=\"link\" data-id=\"https:\/\/bohemihomes.bg\/\" target=\"_blank\" rel=\"noreferrer noopener\">real estate in Bulgaria<\/a><\/strong>. If you are planning to buy <strong>an apartment with a mortgage<\/strong>, it is important to know how the entire process proceeds \u2013 from choosing the property to the final notarization of the deal.<\/p>\n<\/div><\/div>\n\n\n\n<p>In this article, we will guide you through all the <strong>steps in buying a property with a mortgage loan<\/strong>, so that you are prepared and confident in your decision.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\ud83d\udd0e <strong>1. Determining a budget and pre-approval<\/strong><\/h2>\n\n\n\n<p>The first step is to determine:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>what property you can afford<\/li>\n\n\n\n<li>what monthly installment is comfortable for you<\/li>\n<\/ul>\n\n\n\n<p>Then it is recommended to get <strong>pre-approval from a bank<\/strong>.<\/p>\n\n\n\n<p>\u2714\ufe0f Gives you a clear budget framework<br>\u2714\ufe0f Increases seller confidence<br>\u2714\ufe0f Speeds up the purchase process<\/p>\n\n\n\n<p>\ud83d\udccc <strong>Tip:<\/strong> <a href=\"https:\/\/www.creditland.bg\/ekip\/katya-nastanlieva\/\" data-type=\"link\" data-id=\"https:\/\/www.creditland.bg\/ekip\/katya-nastanlieva\/\" target=\"_blank\" rel=\"noreferrer noopener\">Consult with a credit advisor to get the best terms.<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\ud83c\udfe1 <strong>2. Property selection<\/strong><\/h2>\n\n\n\n<p>Once you know your budget, the search for a suitable property begins.<\/p>\n\n\n\n<p>\ud83d\udccd It is important to check:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>location and infrastructure<\/li>\n\n\n\n<li>property condition<\/li>\n\n\n\n<li>documents and ownership<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p data-wp-context---core-fit-text=\"core\/fit-text::{&quot;fontSize&quot;:&quot;&quot;}\" data-wp-init---core-fit-text=\"core\/fit-text::callbacks.init\" data-wp-interactive data-wp-style--font-size=\"core\/fit-text::context.fontSize\" class=\"has-fit-text\">\ud83d\udccc <strong>Tip:<\/strong> Choose a property that meets the bank's requirements (e.g., with proper documents and Act 16).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\ud83d\udcdd <strong>3. Signing of a preliminary contract<\/strong><\/h2>\n\n\n\n<p>After choosing a property:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>you sign <strong>a preliminary contract with the seller<\/strong><\/li>\n\n\n\n<li>you pay a deposit (usually 10%)<\/li>\n<\/ul>\n\n\n\n<p>\ud83d\udccc The contract describes:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>property price<\/li>\n\n\n\n<li>deadlines<\/li>\n\n\n\n<li>terms for finalizing the deal<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">\ud83c\udfe6 <strong>4. Applying for a mortgage loan<\/strong><\/h2>\n\n\n\n<p>After the preliminary contract, the actual loan procedure begins.<\/p>\n\n\n\n<p>\ud83d\udcc4 The bank will require:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>personal documents<\/li>\n\n\n\n<li>income certificate<\/li>\n\n\n\n<li>preliminary contract<\/li>\n\n\n\n<li>property documents<\/li>\n<\/ul>\n\n\n\n<p>\ud83d\udccc <strong>Tip:<\/strong> Prepare the documents in advance to avoid delays.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\ud83d\udcca <strong>5. Property appraisal by the bank<\/strong><\/h2>\n\n\n\n<p>It is carried out by a specialized <strong>appraiser<\/strong>, who determines the market value of the property.<\/p>\n\n\n\n<p>\u2714\ufe0f The loan amount depends on this appraisal<br>\u2714\ufe0f Usually, the bank finances up to 70\u201385% of the value <\/p>\n\n\n\n<p>\ud83d\udccc <strong>Important:<\/strong> If the appraisal is lower than the agreed price, you will need to provide more own contribution.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u2705 <strong>6. Loan approval and signing of the loan agreement<\/strong><\/h2>\n\n\n\n<p>After the appraisal:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>the bank approves the loan<\/li>\n\n\n\n<li>you sign <strong>mortgage loan agreement<\/strong><\/li>\n<\/ul>\n\n\n\n<p>\ud83d\udccc Review carefully:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>interest rate<\/li>\n\n\n\n<li>APR (Annual Percentage Rate)<\/li>\n\n\n\n<li>term and conditions<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\ud83c\udfdb <strong>7. Establishment of mortgage and notary transaction<\/strong><\/h2>\n\n\n\n<p>This is the final stage:<\/p>\n\n\n\n<div class=\"wp-block-group is-layout-grid wp-container-core-group-is-layout-9649a0d9 wp-block-group-is-layout-grid\">\n<p>\u2714\ufe0f Signing of the notary deed<br><\/p>\n\n\n\n<p>\u2714\ufe0f Establishment of a mortgage in favor of the bank<\/p>\n\n\n\n<p class=\"wp-container-content-69bc4bdf\">\u2714\ufe0f Disbursement of the mortgage loan amount (about 5 days after the notary transaction)<\/p>\n\n\n\n<p>\u2714\ufe0f Transfer of the amount to the seller<\/p>\n<\/div>\n\n\n\n<p>\ud83d\udccc Everything is entered in the Property Register.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\ud83d\udd11 <strong>8. Receiving the keys and moving in<\/strong><\/h2>\n\n\n\n<p>After finalizing the deal:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>you receive the keys<\/li>\n\n\n\n<li>you become the official owner<\/li>\n\n\n\n<li>you start paying off the loan<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u26a0\ufe0f <strong>Common mistakes when buying with a mortgage<\/strong><\/h2>\n\n\n\n<p>\u274c Underestimating additional costs<br>\u274c Choosing a property with problematic documents<br>\u274c Signing a contract without legal consultation<br>\u274c Unrealistic assessment of the monthly installment<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\ud83d\udca1 <strong>Expert advice<\/strong><\/h2>\n\n\n\n<p>Buying a property with a mortgage is a complex process, but <a href=\"https:\/\/www.creditland.bg\/ekip\/katya-nastanlieva\/\" data-type=\"link\" data-id=\"https:\/\/www.creditland.bg\/ekip\/katya-nastanlieva\/\" target=\"_blank\" rel=\"noreferrer noopener\">with the right partner <\/a>you can be completely sure.<\/p>\n\n\n\n<p>\ud83d\udccc Work with:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/bohemihomes.bg\/en\/\" data-type=\"link\" data-id=\"https:\/\/bohemihomes.bg\/\" target=\"_blank\" rel=\"noreferrer noopener\">an experienced broker<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.creditland.bg\/ekip\/katya-nastanlieva\/\" data-type=\"link\" data-id=\"https:\/\/www.creditland.bg\/ekip\/katya-nastanlieva\/\" target=\"_blank\" rel=\"noreferrer noopener\">credit consultant<\/a><\/li>\n\n\n\n<li>a lawyer<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u2705 <strong>Conclusion<\/strong><\/h2>\n\n\n\n<p>The mortgage transaction goes through several key stages \u2013 from preliminary approval to notarization. Good preparation will save you time, money, and stress.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\ud83d\udce3 <strong><a href=\"https:\/\/bohemihomes.bg\/en\/\" data-type=\"link\" data-id=\"https:\/\/bohemihomes.bg\/\" target=\"_blank\" rel=\"noreferrer noopener\">Looking for a property in Plovdiv?<\/a><\/strong><\/h2>\n\n\n\n<p><a href=\"https:\/\/bohemihomes.bg\/en\/agencziya-za-nedvizhimi-imoti-plovdiv\/\" data-type=\"link\" data-id=\"https:\/\/bohemihomes.bg\/agencziya-za-nedvizhimi-imoti-plovdiv\/\" target=\"_blank\" rel=\"noreferrer noopener\">Contact us \u2013 we will help you find the best property and the most favorable loan.<\/a><\/p>\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>\u041f\u043e\u043a\u0443\u043f\u043a\u0430\u0442\u0430 \u043d\u0430 \u0438\u043c\u043e\u0442 \u0441 \u0438\u043f\u043e\u0442\u0435\u0447\u0435\u043d \u043a\u0440\u0435\u0434\u0438\u0442 \u0435 \u0435\u0434\u043d\u0430 \u043e\u0442 \u043d\u0430\u0439-\u0447\u0435\u0441\u0442\u043e \u0441\u0440\u0435\u0449\u0430\u043d\u0438\u0442\u0435 \u043f\u0440\u0430\u043a\u0442\u0438\u043a\u0438 \u043d\u0430 \u043f\u0430\u0437\u0430\u0440\u0430 \u043d\u0430 \u043d\u0435\u0434\u0432\u0438\u0436\u0438\u043c\u0438 \u0438\u043c\u043e\u0442\u0438 \u0432 \u0411\u044a\u043b\u0433\u0430\u0440\u0438\u044f. \u0410\u043a\u043e \u043f\u043b\u0430\u043d\u0438\u0440\u0430\u0442\u0435 \u0434\u0430 \u043a\u0443\u043f\u0438\u0442\u0435 \u0430\u043f\u0430\u0440\u0442\u0430\u043c\u0435\u043d\u0442 \u0441 \u0438\u043f\u043e\u0442\u0435\u043a\u0430, \u0435 \u0432\u0430\u0436\u043d\u043e \u0434\u0430 \u0437\u043d\u0430\u0435\u0442\u0435 \u043a\u0430\u043a \u043f\u0440\u043e\u0442\u0438\u0447\u0430 \u0446\u0435\u043b\u0438\u044f\u0442 \u043f\u0440\u043e\u0446\u0435\u0441 \u2013 \u043e\u0442 \u0438\u0437\u0431\u043e\u0440\u0430 \u043d\u0430 \u0438\u043c\u043e\u0442 \u0434\u043e \u0444\u0438\u043d\u0430\u043b\u043d\u043e\u0442\u043e \u0438\u0437\u043f\u043e\u0432\u044f\u0434\u0432\u0430\u043d\u0435 \u043d\u0430 \u0441\u0434\u0435\u043b\u043a\u0430\u0442\u0430. \u0412 \u0442\u0430\u0437\u0438 \u0441\u0442\u0430\u0442\u0438\u044f \u0449\u0435 \u0432\u0438 \u043f\u0440\u0435\u0432\u0435\u0434\u0435\u043c \u043f\u0440\u0435\u0437 \u0432\u0441\u0438\u0447\u043a\u0438 \u0441\u0442\u044a\u043f\u043a\u0438 \u043f\u0440\u0438 \u043f\u043e\u043a\u0443\u043f\u043a\u0430 [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":29313,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"wds_primary_category":207,"footnotes":""},"categories":[207],"tags":[],"class_list":["post-29312","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-statii"],"_links":{"self":[{"href":"https:\/\/bohemihomes.bg\/en\/wp-json\/wp\/v2\/posts\/29312","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bohemihomes.bg\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bohemihomes.bg\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bohemihomes.bg\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/bohemihomes.bg\/en\/wp-json\/wp\/v2\/comments?post=29312"}],"version-history":[{"count":1,"href":"https:\/\/bohemihomes.bg\/en\/wp-json\/wp\/v2\/posts\/29312\/revisions"}],"predecessor-version":[{"id":29314,"href":"https:\/\/bohemihomes.bg\/en\/wp-json\/wp\/v2\/posts\/29312\/revisions\/29314"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bohemihomes.bg\/en\/wp-json\/wp\/v2\/media\/29313"}],"wp:attachment":[{"href":"https:\/\/bohemihomes.bg\/en\/wp-json\/wp\/v2\/media?parent=29312"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bohemihomes.bg\/en\/wp-json\/wp\/v2\/categories?post=29312"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bohemihomes.bg\/en\/wp-json\/wp\/v2\/tags?post=29312"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}