Cost of Living in Sofia

We had similar experiences as you did with extremely rude people. We were thinking about buying a house in Bulgaria but we decided not to.We try to understand how many hardships Bulgarians have had but that was long ago.

I believe the majority just post prices but have never lived in Sofia like LOCAL FROM Sofia and I do. Numbeo depends upon prices others give but I agree with you LOCAL FROM SOFIA on costs of things currently because it's not cheap anymore unless people live in remote areas away from Sofia and even then it's not much cheaper.

President Radev is rushing to have the Euro instead of the Lev for this reason.Bulgaria overall cannot afford to take on bad loans with covid19.Although Bulgaria is very cheap cost of living expect it to quadruple in price for everything within the next two years or less.Foreign pensioners will feel the brunt of the new regulations eurozone will impose once the Euro is put in place permanently and many will leave as a consequence.

In my opinion you need about 4000 leva minimum to live a middle class life by yourself. So you can save, buy a house and a car.
The Dutch and Belgium companies don't pay much. In fact you will belong to the lower class with a salary of only 1200 euro. They say you earn much here, but the reality is very different. People drive a lot of AMG's here. Also a car electronics and everything else cost almost the same as in The NEtherlands, except for food, because it is a big agricultural country off course.

All of the cost of living figures on the site are ridiculously low. I've lived here for 15 years, have 2 free-and-clear apartments and no car. I spend a minimum $8000 a month (food, utilities, family assistance and travel). All things held equal, my spend rate in the US was twice that ~$16000/mo. Most Bulgarian families in Sofia earn ~$4000 to $5000/mo total, and live better than I do. I have only been able to ascertain that they thrive through their network, rely on there village home (they all have one) and obtained services at a very low percentage cost. In fact, I know people making <$1000/mo that live better than I do. It is pretty amazing. BTW, now is the time to buy real-estate in Sofia as people are becoming a little more desperate for more cash. BUT they almost never bargain. Hope this helps... Also, I speak the language, but I do not recommend learning the language, as it will not help you in any way, in fact it 'hobbles' you, and only places you in a disadvantaged position (position matters here).

I might move to Sofia next month with a job. I would like to know, if anyone can tell me, would I be able to lead a comfortable life earning around 1800 BGN a month?

By comfortable I just mean being able to rent a decent apartment and eat, not a lot of unnecessary expenses.

I want to travel next year in bulgaria to see the beauty of the country and enjoying my life so much and more food to eat, even exotic food.

No need to justify simple statistics when you simply use the 'compare' option on this website. Try using - Quality of Life comparison between Sofia and Amsterdam or Stockholm for example. Comparison of pollution between Sofia and another west EU capital. The difference is not big, it's huge, gigantic, cosmic, and all possible synonyms of huge.

Also change currency to euros always and see salaries between Sofia and other west EU capitals. If salary for example is +260% bigger than in Sofia then compare everything, like food, clothes, rent, and everything basic to exist (bills - electricity, water etc.), and if it doesn't exceed the +260% then make the assumption for yourself.

Every essay written here by the blinded population that "used to" or still "live" in Bulgaria, trying to justify how we have a perfect quality of life and how "it's not that bad and expensive as others make it seem to be" just prove to every other human being left with a small bit of brain living on this planet all the facts in statistics published on this website. Keep writing so we make statistics stronger and make it obvious for young people how of a bad quality of life Bulgaria has for them. Thank you very much!

#Kalman Balog

I am a Bulgarian, born in Sofia, used to live here till 2002, then I moved to Germany (Frankfurt) and returned to Sofia exactly one year ago. Therefore I have a very good overview over the situation and can compare life in both countries. I'll try to answer your questions.

No, unfortunately the prices here are not correct - it is much more expensive. That's what I'm trying to say all the time but nobody is listening. The main problems are:
1) Numbeo displays the prices as average of what users input. For example local cheese - there are local cheeses for 8 BGN/KG and such for 25 BGN/KG. Taking the average of both is wrong since those are totally different in terms of quality and ingredients.
2) Numbeo measures the quality of life based on basic needs (food, accommodation etc.). If you spend your whole salary just on rent and food in both countries, then most probably 1000 Euro in Germany will equal 1000 BGN in Bulgaria. But if you earn 5000 Euro net in Germany, it will be much more than 5000 BGN net in Bulgaria, since luxury goods have the same price everywhere (cars, travels, watches, expensive brands etc). Or if you want just to save money on your bank account, be sure that with 5000 Euro in Germany you will save much more than with 5000 BGN in Bulgaria.

Regarding the prices: Big supermarkets (Billa, Kaufland) are more expensive in Bulgaria than in Germany. Especially if you want to buy quality goods. Everything produced for the Bulgarian market has much lower quality and worse ingredients than the same product in western Europe. Therefore, if you want comparable quality, you need to buy imported goods, which are at least 50% more expensive. You want to eat a Döner Kebab? For 7 Euro you have a big Dönerteller in Germany with great meat, for 11 BGN you get half the portion and crappiest meet ever in Bulgaria. But yes, Numbeo says Bulgaria is 25% cheaper, wow!
Same for restaurants. If you want to eat a good steak, you pay at least 40-50 BGN at the few places where it is offered. If you want to drink good beer (the local ones are absolute crap), you buy an imported one from Belgium or Czech Republic or Germany for 3 BGN, which is 2 times more expensive than in Germany. Cosmetics, Ariel, Persil, Colgate etc. - same brand, crap quality and 20-30% more expensive.

Anyway, those aspects are the bad ones, which are neglected very often. The good ones are:
- There are a lot more small groceries and markets in Sofia, fish shops (with fresh fish, quite affordable), small butcher meat shops (quality varies, ask the locals for the best ones) etc. Very good selection of vegetables and fruits. Small shops for shoes and clothes as well - you can always find a good deal somewhere. Good leather shoes, tailor made suits - for half the price than in Germany. Always open, on public holidays and Sundays as well.
- Public transportation becomes better and better and is extremely cheap (monthly pass 25 Euro). New metro lines are being constructed, connecting more and more districts.
- Taxis are cheap too, but beware the scams
- Rent: Maybe the most important point. Good locations have their price. Best locations in the top town center cannot be found below 8-10 Euro/sqm. If you allow some compromises, you can get something quite good for 5 Euro/sqm. Good districts are Losenetz, Iztok, Javorov, Ivan Vazov, Strelbishte and around the South Parc.
- Buy property: The prices currently are at least 50% higher than what they should be. The banks are flooding the market with credits even for people with very low income. Brokers are speculating, increasing the prices and hoping to catch a stupid fish who pays it. Lot of new construction with very questionable quality. 30% of all flats are unused currently - just bought by speculators. If the new crisis comes (and it will come soon for sure) this balloon will burst and the impact will be horrible.

Income Levels: I always measure what remains after spending on rent and food/clothing/utilities/transportation. For a 2 rooms flat in Stuttgart, you most probably spent around 800 Euros. Same you can get in Sofia for 300 Euros. For food and restaurants/bars, I had absolute same cost in both countries - 500 Euro p.m. (but I go to very good places and buy quality goods). From transportation cost I save 100 Euro in Sofia. From utilities (Internet, electricity, water supply I save further 50 Euros. Which means, that after considering the cost of living, you will be able to save around 650 Euro, or 2200 Euro in Germany will equal 1500-1600 Euro in Bulgaria.

1200 Euro net salary is nothing exceptional for Sofia - even some call centers pay within that range. As a foreigner with native language other than Bulgarian, the experience you have in Germany and your education you can get much higher than this. Try to find something for at least 3000 BGN net, don't sell yourself for a low price! As an IT specialist, I earn much more than in Germany, mainly because of the low taxes and social expenses. You can be cheap for your employer and at the same time, earn quite a lot! Depends on your skills. If you tell what skills/experience you have, I can give you exact salary ranges since I know the market very very well.

#Anonymous on Sep 08, 2019
Don't worry about the Bulgarians in the so much praised "great" west and your fake-polite-transgender-loving "culture".
Very few people understand the real concequences of Brexit.
There are much more UK citizens living in EU than Bulgarians or other nationals in UK.
Good also to know that the gypsies that you see are not Bulgarians, the same like your former colonies pupulation you so much love like Indians are not Britsih people. Of course because your fake politeness you will never say that to them but that's OK 'cause Bulgarians are there to be blamed for your problems.
I don't see here anything about your trash people that populated Bulgaria and mix with the gypsies, eeewww, void in the wilderness, at least we have dignity.
Oh, wait what, there are actually no genuinely British people, there are only Anglo-NAGGsons, at least Welsh take off part of the shame and are much better.
Western europeans overall have very low common sense and general awareness of the history and culture of Europe and the world let alone that you can compete in this matter very well with the Americans.
Only the old people really want UK to leave EU but their ignorance is not my problem and not the topic here.
So why you keep bulshiting a country that has 0 relevance to you?

So many comments and advice on living in Sofia in general or Bulgaria for that matter.I'd say the majority of the posters here have only visited Bulgaria online, not personally as I've done and lived in Sofia almost 5 years.To those of you who haven't noticed Bulgaria has the fastest reduction of population in the world not just in Europe.Learning Bulgarian language is admirable but nobody ever fits in that are from places other than Bulgaria and even then it's a stretch to say Bulgarians get along.Oh it's very cheap to live in Bulgaria even Sofia.People are naturally cold natured not only in Sofia but throughout Bulgaria for that matter.Don't get all uptight about the cold natured people residing in Bulgaria because it's really intentional.

Hi Rajesh,
D.D. is right in general but a little bit overracting. Sofia is becomming a better place and you'll be having a nice life with this salary. Bulgaria may be poor compared to Western-European countries but it's still an european country. Private schools are indeed expensive, like 600-800 euro per month, just checked a few. It really depends on what options you have. Compared to India it could be better indeed, compared to Western-Europe of course it's worse in most things.

If I was you, I'll send the kids to a normal Bulgarian government school, which is free of charge. They are small and will adapt quite fast. Maybe you can hire a private teacher to teach them the language even pre-school. Learning Bulgarian will make them (and you) feel much more comfortable here since the cultural difference is huge. Only with English you'll have big difficulties living here.

D.D. I think air pollution is same like India. But water is good and availabilty is well. Here in India getting water is a big trouble.

My only worry is my kids education and its cost. Do you know about education in Sofia. i saw in some websites government schools education in Bulgarian language. If we want English school we have to pay a lot.

SO if my wife also go for a job in admin level we can manage right?

You told that the whole state force is being controlled by the mafia. Can you pls. explain little bit detailed.

D.D. I am into Information Technology. As a Sr. Developer demandware.

Hi i am planning to settle in sofia i got a offer letter from a Bulgarian company net salary is 5600 lev.

we are a couple with 2 kids ages are 6 & 3. Can you suggest this salary is enough to survive in sofia where i am leaving from Chennai india.

A friend works for the taxation department for the Bulgarian government.After reading your message here I called my friend.He said the information I read is true.I own a small custom shoe shop in Sofia.I'm going to close my shoe shop and sell it next month after I finish the orders of shoes for my customers.Theres no way I can be profitable paying a 23% flat tax.Thank you for the information I really appreciate it.I own a small commercial building downtown in Bucharest and I'll open there in August.

# D.D. The breeding process has been ongoing in Germany, Sweden, France, and other areas repeatedly over the past three years including Spain and Portugal.Women are bread by 50 Afghanistan men within a 24 hour period to share our precious seed Alla has blessed.Alla likes a controlled environment we obey Allas wishes always.The offspring will enhance our bloodline and broaden Allas mission.To subdue infadels into Allas likeness.Do not dispair little one Alla cares for all.

To D.D. Calm down little one we don't come through your border want your money.Your president Boyko sold Bulgarians out.Alla will make your life complete.You will service Afganistanis bow to Alla and show respect to Alla.Alla has no borders payment has been made 54,000 Afganistainis are already in remote small towns in Bulgaria.Your soldiers have been paid well Alla always provides.Afganistainis know much work needs to be done but Alla guides us to heal stricken Bulgarians who've lost their way in life.Bulgarians will obey Alla just as Germany,Switzerland,and other countries in Europe have obeyed the wisdom of Alla.Your border gate was open for us and Alla was welcomed by your own people.Prepare to obey Alla,and obey Afganistanis every wish and desire.Infadels comit no sins by not understanding Alla with Allas help we teach infadels just like you the way to your future.Alla cares for all little one, even you.

Very interesting when some foreign "investors" come to Bulgaria. Mostly, they assume the Bulgarians will work for free and the market has an unlimited number of slaves to offer.
When f.e. the average Bulgarian employer in that specific sector offers 600 Lev, the so called "investor" offers 700 Lev and claims that he is offering a "great" salary. At the same time, he starts selling his crap at a more expensive price than in Western Europe and at a significant lower quality. And of course, when he starts facing difficulties, the nasty and unfriendly Bulgarians are the main reason for this.

If you are one of those, please go away, we don't need you here!

Hello everyone, please help to understand how to use these figures.

It is said here that "Four-person family monthly costs": 3,084.31 lev without rent (using our estimator).

Does it mean that this amount doesn't include also Kindergarden and School for Kids, Utilities, Mobile and Internet costs?

Hey Das 308 I read the post below about the Australian couple that was planning on opening two manufacturing companies with great wages in Bulgaria.I suppose you think you can speak for Bulgarians like myself that'd love a job that pays that much? Well you can't speak for any Bulgarian so keep your trolling self in Russia where it belongs.NOTE: To the Australian couple we hope you'll still consider Bulgaria for your manufacturing companies because Das 308 cannot speak for any Bulgarian.

@anonimous, April 25, 2019

Dear anonymous, Bulgarians clearly did not like you. It happens. Often with a reason. Be happy in Australia. Try to make friends there. Best, another Anonymous.

Dear Johnny Bee, if you are coming from a country where people are rude, you will find that Bulgarians are worst. Or, if your countrymen are polite, you will find that Bulgarians are more so. That said, please stop with the cheap trolling. U r getting credit for that but I t’s really boring. Best regards to you & the poor Russian girl & the offended anonymous couple.

P.S. The data published by Numbeo about Bulgaria are correct.

# JOHNNY BEE Why concern yourself with bulgarias economy?I read you visited 20 years ago.Bulgaria really has never been considered an economic factor in anything throughout it's history.Besides Bulgaria is at the bottom of the list of places to vacation.

This site is bloating net salaries misleading people and leading them to wrong/damaging decisions. Also, some of my comments,hmm how to say it, have mysteriously disappeared?

TO #D I live in Manchester and after reading your rendition of costs according to your misinformation I must say that I agree with Anonymous and the other chap Johnny Bee.I was lucky to sell my second home in Italy before the fallout came along.I agree with them on all levels of economic disasters that has befallen Europe in general.The Euro instrument isn't at fault as both so plainly stated,but instead the beast that controls it HOLY ROMAN EMPIRE amoung other rogues within the mix.Instead of calling names TROLLS you should listen to voices of knowledge instead of spinning your brand of trivial persuits out of control with falsehoods that actually make no sense at all.

Furthermore another mistake #D

Bulgaria unfortunately is extremely expensive for locals EXACTLY because of the rubbish salaries, (280 euros for the minimal) not because of the expensive NIKE or ADIDAS that you don't have to buy after all (you will survive without them, trust me)

Unfortunately it's extremely cheap for foreigners, to the point that I would prefer double prices at the moment, something I hated when i visited this country 20 years ago. But of course EU (sorry i meant Holy Roman Empire) doesn't allow that, it's against the jungle laws (sorry, i meant competition)

The Uk restricted BG/ROM workers for many years
BG Government is not defending Bulgraia against hordes of Middle class Brits who make price damping explosive because of the obvious price difference in the two countries.
On the contrary it promotes, advertises and encourages retiring in BG, instead of promoting demographic regeneration. BG is collapsing at the moment. Fast!

And since when has avocado become a unit of PPP?

@Anonymous the difference between your commend and mine is that my comment is full of facts based on research and on living life in Sofia, compared to 3+ years of living abroad. Yours is purely in opinion and pseudo-facts. Go get educated and do argue with a person if you don’t have a reasonable argument.

Bulgarians continue to slam their fingers in the door and they side with the Bulgarian governments approach.There's alot of countries doing that though.I'm not PRO any country including the country I'm from.Many people use the term it's POLITICAL,but reality being it's the opposite.It's each countries responsibility to create their own economies whether it's good or bad.People like to test the waters, so to speak and live in other countries to experience different cultures but it rarely works out,and although visitors or people who live in other countries for a prolonged period of time would never admit it openly deep down they regret their decision to live abroad.Many people want to see how life is in other parts of the world and to some that may be curiosity or a country being pumped up as a great place.But at the end of the day or life the countries they came from are where they fit into.If I had my way nobody would visit anyone in any country because history has shown that other cultures don't mix well no matter how hard they try.Polution, costs of living,no country is balanced, there's always cons to be considered but many ignore the cons.All they know is they're in a new place that's foreign to them.Maybe it's exciting to live or visit a new place they're unfamiliar with.Many people call it adventurous but it's stupidity on their part no matter what part of the world they come from. I'm not from the U S nor have I ever visited either but I'll say one thing for certain.The U S is rapidly closing the door on the world and in the not too distant future nobody will even be allowed to visit or live there for that matter.I believe that's a step in the right direction, and other countries should pay attention, to repeat the same, PEACE ON EARTH

Well folks, as you can see there are people in this world with ... well let's be politically correct , with issues.

I totally agree most Bulgarians have an arrogant way about them naturally.I attended college in Sofia for one year.All I mostly heard was how Russia rescued Bulgarians from the Ottoman yoke. I noticed Bulgarians for the most part are very unhappy and hold a grudge against anyone who doesn't agree with them even if they know what they're saying isn't true.My parents visited me for two weeks while I attended college in Sofia.They asked what's wrong with these people? Everyone is so negative they said.Bulgaria has the fastest shrinking population in the world.Maybe just maybe some Bulgarians woke up and decided they've had enough too.FYI visitors and foreigners had nothing to do with the past Ottoman yoke.

@irina and joh and other cave trolls. Dear trolls, long term rent of a studio or one room apartment does not exceed 600-700lev, furnished. The heating may add 100 more in the winter season. This is easily verifiable on sites like imot.bg and airbnb. When you close a rental contract, it clearly states what you get and what not.

The long chimney in Nadezhda belongs to the central heating company and works on natural gas only. Therefore it delivers the cleanest energy ever possible. No fumes, aerosols, ufp, whatsoever.

Please go to troll somewhere else.

P.S. People are usually behave like mirror. If you go bad on them they will answer bad on you. Please be polite with the locals that you are meeting here. Do not expect royalty treatment just because you have funny accent or you know some English only. We (the Sofians) are tired of hoards of drunk foreigners that are flooding the downtown streets almost every weekend, particularly penniless Italians and drunkard Englishmen.

Well, just for a few days a few folks came up all of the sudden generalizing that the bulgarians are rude and acting bad towards them for no valid reason, just like that. A couple being treated bad in three big cities just like that for no valid reason, a russian girl who decided to study in Sofia, because it'd be cool. A small apartment for 1200 lv would be luxery and honestly not many russians can afford that. In fact if a russian can afford an apartment that costs more than their average salary then that russian would not pick Sofia as a place for study, nor it'll quit studying just, because someone messed up the heating in the apartment. You see how ridiculous this story sounds? And a third guy just generalizing with percentages just like that a city of 2 million of people, like he knows most of them.

I won't be surprised if these comments are posted by one single person, who for some reason has had a bad experience in Bulgaria and is trying to discredit the country even more, because he doesn't have nothing better to do :)

For months and for years people in this site are discussing opportunities, salaries, job offers, prices and all of the sudden just for a few days 3 guys with similar style of writing come up with their complaint about rudeness. Coincidence?

Hi I'm Irina from Russia.I had the opportunity to attend college in Sofia and I thought this would be a great chance for me to experience something different in life.My college term was going to be for two years but I left three months after I enrolled for this reason.I met the rudest people I've ever met in my life in Sofia.I stayed in a very small apartment which cost me 1,200 Lev each month with all utilities included.It was winter my heat turned off.I asked other tenants in the building how they are coping with no heat? They said there's good heat to their apartments as I found out while inside of one.I confronted the landlord about it.He said he turned off the heating vent to my apartment intentionally.I boarded a plane within four hours and never looked back at Sofia.

People from three different big cities were rude to you for no valid reason, just like that? Sounds strange, you are probably doing something wrong, but of course, as most people you don't see any fault in yourself. I know foreigners living in Bulgaria who were doing okay and had no problems.

My wife and I decided to live in Bulgaria for three years at different locations in Bulgaria.We are both Australians.Our first year we lived in Sofia.We understand that different countries have different customs and we're not judgemental not negative and we're always respectful.We knew that Sofia was a busy city before we moved there.Both of us can speak and understand a fair amount of Bulgarian.Unfortunately the majority of people went out of their way to be rude to us for no reasons throughout our one year living in Sofia.The second year we moved to Varna and lived there for one year.Sadly we received the same treatment as Sofia.We then moved to Plovdiv and stayed there one year.Once again sadly the same treatment we received without reasons.Its sad to know that the majority of Bulgarians are basically mean spirited to all foreigners who visit.We don't hate anyone but hatred directed at us was over the top during our stay in Bulgaria.

In my opinion salaries for these type of positions should be between 1500 and 2500 leva net, depending on the experience and the firm.

Yeah, for sure. I already did it,@edin.

But it´s hard to find any information about salaries. And yeah, there are some job offers on these fields for Germans.

Hi Edin,

but I am foccused on jobs like "Content writer", "Copywriter", "Digital Marketing Manager" and so on.

Do you know salaries for German speakers in these field for Bulgaria? It´s very difficult to find any information in the internet..

Hi guys,

currently I am doing an internship and studying Russian (First language) and English (Second language) both included Business communication. The quality of internship is really good here.
My education background is Accounting and Finance. I´ve already worked for 2,5 years in these field as an Back Office Manger Specialist.

I come from Germany, but want to live in Bulgaria after internship (prefarable in Sofia). I mean only as native speaker I could find easily an Call Center job with 2000 net. But I do not want in these field.

Ok, the other option would be Back Office again. Maybe. Why not? As I saw the salary depends on company and duties. But it´s realistic to say, that I would earn between 1500 - 2000 Leva net. The last one would be ok, but I prefer to earn at least 1800 leva net..

As I noticed in Sofia there are lof of IT companies and Social Media is getting more attractive. So, I decided to work on these field maybe. Currently I have been learning needful IT-Tools such as HTML5, CSS, Photoshop, GoogleAdWords, GoogleAutomation, SEO, maybe some Java basics (but I am not an Informatic!).

Do somebody know about the salaries for jobs like "SEO specialist", "Technical writer", "Social Media Analyst", "Social Media manager"? I did a research on my onw, used some different sources but was not able find some clearly information. Please not, that I have not any (professional) working experience yet

But

Hi everyone, could anyone please tell me ASAP (as I will have to make a decision based on what I am asking really soon) their experience as customer service for PaySafe in Sofia in terms of salary gross and net/ month? And in terms of whether it is advisable to plan to live in Sofia for at least a few years relying on that salary?

Thank you very much to anyone who's taking a little time to answer this!

Sorry but the prices in android version are incorrect for SOFIA BULGARIA
This is your computer windows version
Buy Apartment Price [ Edit ]
Price per Square Meter to Buy Apartment in City Centre 1,369.47 €
Price per Square Meter to Buy Apartment Outside of Centre 931.07 €

This is your android version for my phone
This is incorect
Price per Square FEET to Buy Apartment in City Centre 127,23 €
Price per Square FEET to Buy Apartment Outside of Centre 86.50 €

Hi, have someone experience with technical help desk jobs (native speaker) ? Is it worth the money (1800-2500 bgn) ?
I can imagine that customer service jobs are hard in terms of mental health, but maybe it´s not that bad in some good companies.
Thanks for advice.

To JR:
Hopefully you mean Net salary and not gross. Anyway, 3000 BGN net is a very good salary for the Bulgarian standards. If you mean 2500 gross, then you will end-up with 1900 net, which is still 50% above average.
The cost:
- You can rent a 70-80 sqm flat (not house!!!) for 700 BGN. For Utilities plan 150-200 BGN more. Food for 2 can be around 1000-1200 BGN if you cook and don't go out that often. If you buy an old car, it will be still within the budget I hope.

As you see, even with a salary of 2,5 times the average, people cannot really afford that much. Prices in Sofia are exploding and groceries are more expensive than in Western Europe. Today I was comparing the prices at LIDL in Sofia and in Stuttgart. More than 50% of the goods are 20% and more expensive in Sofia, the others have the same price. Only some local vegetables are cheaper. Restaurants are still around 25-50% cheaper in Sofia, but the gap is closing quite fast.

Hi Ali Amini

Yes that could be enough for a starting business, but if you are not aware of the market, the economy, the society then most probably you'll fail.

There are tons of restaurants and cofee shops in the city already so that would be a hard field to be competitive in, unless you bring a great idea with you. I've noticed that businesses related to construction, transportation, cars and children (kindergarten,etc) are doing well.

I advise you to research the market first.

@Dr D, don't be so pessimistic, dude. You're exaggerating way too much, and most of the things you said are actually not true. There's a lot of BS in the media that you shouldn't pay attention to. Instead, you should do your own research and make up your own opinions instead of believing what the media and some people tell you. It's not that bad around here. ;)

@Shannon:
Very difficult to answer such question.
- What is for you a typical home? What price range? Can vary between 50k-300k Euro.
- How much equity do you have?
- Which duration? 5 years? 10 years? 30 years?
Interest range is currently 4%-5%. Just take Excel and calculate depending on your criteria.

@Jancany: What is the exact job position? What are your skills/experience level?
Maybe we can take a closer look and tell you if the offer is fair or not.

I can hardly imagine somebody willing to move to Sofia and being motivated by such an offer. Where do you come from?