Decision support
Mortgage calculator
Estimate your monthly payment, total interest and how the payment compares to your income. Results are indicative and not a lending offer.
Monthly payment
€1,001
Loan amount
€200,000
80% of the purchase price
Total interest
€100,374
Total repaid: €300,374
Payment vs income
25%
Within the commonly used 35% affordability guideline.
How this tool works
About the mortgage calculator
The calculator applies the standard annuity formula to the loan you describe: the purchase price less your down payment, over the term you choose, at the interest rate you enter. It returns the level monthly payment, the total amount repaid and how much of that total is interest.
If you add a net monthly household income, the result also shows the payment as a share of that income. Lenders in Bulgaria look at this ratio alongside your other commitments, so it is a useful sanity check before you start viewing property in a given price band.
Nothing is assumed on your behalf. The interest rate and term are yours to set, which makes the tool most valuable when you run several versions — a rate one point higher, a shorter term, a smaller deposit — and compare the monthly outcome.
What this result does not tell you
- This is not a lending offer, a pre-approval or financial advice.
- The payment excludes property insurance, life insurance, bank fees, notary and registration costs, local transfer tax and maintenance charges.
- A variable rate can change over the life of the loan; a single rate here shows one scenario only.
Questions