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Tuesday, September 9, 2025

Renting a Home in Bulgaria: Practical FAQ for Newcomers

Where to look, how to rent a home in Bulgaria, what bills to expect, handover checklists, shared expenses, and tips.

Where can I find rentals or homes for sale?

Use Bulgaria’s big property portals, agency sites, and (carefully) curated Facebook groups. Compare listings across several sources.

Popular rental & sales portals include large classifieds and real-estate networks. Look for robust filters (district, size, heating, furnished, pets) and check the map view to compare transport and amenities.

Good practice: short-list 6–10 homes and book same-day viewings—quality listings move quickly in big cities.

Typical sources:

Are apartments furnished or unfurnished?

Furnished is common in city rentals; part-furnished or unfurnished appear more in long leases and new builds. You can often negotiate furniture removal/additions.

Expect furnished kitchens (stove/oven, fridge) and basic furniture; washing machines are typical, dishwashers less so. Ask for an inventory list and photos in the contract. For long-term leases (12+ months), landlords may agree to remove bulky items or add essentials.

How much are deposits, agency fees, and upfront costs?

Most rentals require a monthly deposit + 1st month’s rent. Agency fees are commonly half to one month’s rent (clarify who pays). For purchases, plan ~4–6% on top of the price for taxes/fees.

  • Deposit (caution): usually 1 month’s rent; occasionally 2 for pets/high-value furniture.
  • Agency fee: varies—some charge the tenant 50–100% of one month’s rent; the owner pays some; some split. Negotiate first, and then confirm in writing.
  • Utilities: often included; see bills section.

What monthly bills should I expect?

Rent + electricity + heating (district, gas, or electric) + water/sewer + internet/TV + building/standard fees. Waste tax is an annual owner tax, but may be passed through in the rent.

  • Electricity: two-tariff meters (day/night) are standard; winter bills rise if you heat with electricity. Electricity in Sofia and other major cities may be at par or more expensive compared to the average EU levels.
  • Heating: district heating has seasonal equalization (you might pay a settlement at season’s end). See the next section below.
  • Water & sewer: billed monthly; often, a building rep reads meters.
  • Internet/TV: fast fiber is widely available; packages are inexpensive vs. the EU average.
  • Building/standard fees: condominium/entrance fees for cleaning, lights, lift, caretaker/manager (a few to ~20+ BGN/month, more in gated complexes).
  • Waste tax: an annual municipal tax typically paid by the owner; check if your rent includes it.

What heating types are common, and what should I know?

District heating (radiators), gas boilers, electric AC/heat pump, or electric radiators. District heating is convenient but requires annual equalization; electric heating is flexible but can be more expensive in winter.

  • District heating (Toplofikatsiya): building radiators with apartment allocators; you pay a base fee + usage. Bills are reconciled annually (you may owe extra or get a refund). Warm and low-maintenance; tricky to fine-tune per room.
  • Gas: efficient with reasonable control; check for gas line, boiler maintenance, and CO safety.
  • Heat pump/AC: common in newer, well-insulated flats—efficient if the home is sealed.
  • Electric radiators: simple but can be expensive in cold months.
    Ask for the last 12 months of bills to set realistic expectations.

What should I do at handover (move-in)?

Sign the lease + inventory/handover protocol; record meter readings (electricity, water, heating) and take date-stamped photos.

  • Handover protocol (приемно-предавателен протокол): list keys/fobs, appliances, furniture, visible defects.
  • Meters: note electricity, water, and heating readings in the protocol (attach photos).
  • Access & rules: building door code, parking rules, quiet hours, pet policy, and mailbox.
  • Insurance: consider contents insurance (inexpensive, quick to set up).
    Keep a PDF/scan of all documents and photo evidence.

Who pays for minor repairs? How do I report defects?

Minor wear-and-tear items are often the tenant’s (up to an agreed cap); major repairs/appliance failures are the landlord’s—report defects in writing ASAP with photos.

Many leases include a minor-repairs cap (e.g., 50–100 BGN per incident). Any structural or appliance failure without tenant fault is the owner’s responsibility. Send a defect list within 3–7 days of move-in; for urgent issues (leaks, electrical hazards), notify immediately and keep receipts if you must act fast.

How do I set up electricity, water, and internet?

Either stay on the owner’s existing accounts and reimburse monthly, or transfer/open accounts in your name (some landlords prefer to keep utilities in their name).

  • Electricity & water: the building or landlord will explain the local provider. If you are transferring to your name, please bring your lease, ID, and meter numbers; some providers allow online requests.
  • Internet/TV: national providers (e.g., A1, Vivacom, Yettel) and strong local ISPs offer fast fiber. You’ll need ID and an address; standard contracts are 12–24 months, with no-term options at a higher monthly price.

Any tips to avoid misunderstandings and negotiate?

Never pre-pay before you view and sign. Verify ownership, insist on a written contract (BG/EN), and pay by bank transfer.

  • Ask for the owner’s ID and proof of ownership (title excerpt).
  • Verify the exact address and floor plan; check heating type and orientation (south = warmer in winter).
  • Put all promises in writing (repairs, furniture changes).
  • Use a handover protocol + photos; keep all payments documented.
  • Negotiate: longer leases often secure a better rate or upgrades (AC, dishwasher, paint).

Shared expenses (condominium fees) & waste tax

Expect a small building/entrance fee for common areas; waste tax (TBO) is an annual owner tax (sometimes built into rent).

  • Condominium fees: cleaning, lighting, lift, caretaker/manager. Amount depends on building size/services; gated complexes are higher.
  • Waste tax (TBO): paid to the municipality annually by the owner; tenants typically do not pay it directly unless agreed in the rent.

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