What documents do I need to prepare, in order to be eligible for a mortgage from a Bulgarian bank?

1. Proof of identity:

• Passport or ID card.

2. Confirmation of income:

• A certificate of income from the employer.
• Pay stubs for the last 3-6 months.
• Tax returns for the last 1-2 years (if you are self-employed or self-employed).
• Bank statements for the past few months.

3. Employment contract:

• A copy of the employment contract or a certificate from the employer confirming employment and salary.

4. Credit history:

• Information on any existing credit obligations. – Confirmation of repayment of prior loans (if applicable).

5. Real estate documents:

• Preliminary agreement for the purchase of real estate or reservation agreement.
• Documents relating to the property, such as building permit, development plan, title, etc.
• Valuation of the property by an authorized appraiser (may be required by the bank).

6. Residence permit:

• Foreigners may be required to have a residence permit in Bulgaria.

7. Certificates of not owing taxes:

• A certificate from the tax office confirming the absence of tax arrears.

8. Confirmation of the contribution:

• Evidence of funds for own contribution (e.g., bank statements).

9. Other documents:

• Depending on the bank, additional documents may be required, such as life insurance, property insurance, etc.