Bulgaria’s Mortgage Market Braces for Euro Transition and Inflation Impact

The Bulgarian mortgage market continues to expand steadily, showing increases in lending volumes, average loan sizes, and sustained demand that exceeds available supply. Even after the Bulgarian National Bank (BNB) implemented stricter macroprudential regulations a year ago, total mortgage lending surpassed 30 billion leva over the last 12 months. The low proportion of non-performing loans underscores the system’s current stability and the market’s overall solvency.

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