Off-plan Property In Bulgaria

Bulgarian off-plan property forms the bulk of foreign property purchases. Below is information to help decide whether or not off-plan purchase is a viable option for you.


  • Off-plan purchase in Bulgaria offers investors the ability to buy at the lowest possible price and thus achieve maximum returns on investment.
  • Many investors keep a property for a number of years and receive excellent rental income. Meanwhile they enjoy a beautiful holiday home and watch the value of their property increase steadily.

Off-Plan Property in Bulgaria

Off-plan villas, townhouses and apartments in Bulgaria are available in all the major investment hotspots and they are particularly popular as many developers offer beneficial payment schemes. We carefully vet these schemes and work with only the most reputable and secure development companies that operate in your favoured location of Bulgaria. Off-plan payment schemes currently on offer allow you to buy property off-plan, ie. before or during construction, when the price remains low, with typical down payments of between 10% to 30% of the property value.

By the time construction is finished, prices rise due to market forces and the greater general appeal of a completely finished property that is ready to move into. Investors can therefore sell the property on to another property purchaser and, in doing so, enjoy some excellent annual returns whilst never having paid the full purchase price. Depending on the down-payment and speed of construction, annual returns normally reach an average of 30%.

Investors should however exercise due diligence and choose wisely, making sure their off-plan property in Bulgaria is located in an area where they will resell quickly and easily, or where there is a high rental demand for their buy-to-let option. This is not difficult to do in Bulgaria where tourism has increased by over 50% during the past four years, however some sought after areas are more up and coming than others. It is important to note that reliable year-round rental yields and high investment returns in the capital city of Sofia are proving to be a tempting opportunity to off-plan purchasers today.

With an off-plan investment, even in the worst case scenario if the property cannot be sold upon completion, the final balance due can often be financed by the developer himself over a period of years. Furthermore, the rental income may pay off the finance of this loan and yield further eventual return on investment.

How can property be cheaper if bought off-plan – How does it work?

In order to limit financial risk and debts, the developers of any project will wish to sell units off-plan. They understand that if buyers cannot see a physical property at the beginning, they will demand a lower price, while relying purely on the developer’s reputation, the property location, artistic impressions and computer simulations on which to base their decision to purchase.

In addition to the excellent off-plan price, some highly beneficial finance structures are in place. You sometimes need to pay only around 10 - 30% of the purchase price in the form of a deposit, while the rest is payable upon completion. This may be financed by a mortgage if necessary. See our Bulgaria investment finance section for more details.

If you decide to invest in off-plan property in Bulgaria, you will need to decide which strategy you will adopt to achieve the best return on investment. Our experts will help you choose the most appropriate plan, creating an investment programme suitable to your needs, whether this is "pure investment" or a "buy-to-let" strategy. We will also assist you in finding the most appropriate location to suit your investment needs.

Maximizing Profit From Off-Plan Investment in Bulgaria

The Process of Price Increase

  • Purchasing early
    Prices never remain low for long and, as construction progresses, prices begin to rise steadily. In Bulgaria, as in any other markets, it is important to buy your off-plan villa, townhouse or apartment as soon as possible during the early stages of development when prices remain very competitive but are already beginning to rise. Early investors will invariably see the greatest returns.
  • Purchasing the best units
    Early off-plan property purchase in Bulgaria allows investors to choose the most sought after properties on any given development. The best units always offer higher capital appreciation in the smallest time frame and can often demand the greatest rental incomes. Penthouses are often firm favourites.
  • Price increases as development matures
    As the development begins to be constructed, the value of the units begins to rise. A completed show home is normally available for viewing at this stage, while buyers are taking less of a risk as they now do not need to rely purely on plans.
  • Price appreciates as more units sell
    As more units are sold, the price of the remaining units rises. Units sell faster when buyers are able to physically see them. There is often a phase payment structure in place which mirrors the increasing value of the properties. To the early investor this means that, should you decide to sell your property, it will be worth considerably more at this stage than when you made your initial purchase and paid the 30% deposit.

    Investors are currently making some excellent investment choices in off-plan property in Bulgaria and we are dedicated to helping you to pick the best investment options suitable to your particular needs. In this way, you can generate personal wealth through safe and intelligent off-plan investment.
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