Ако вие купувате – Основни документи при покупко-продажба

Ако вие сте купувач на недвижим имот, от вас не се изискват почти никакви документи за покупко-продажба, в сравнение с продавача. Все пак трябва да внимавате и да проверявате някои неща, за да мине сделката успешно и за двете страни. А след осъществяване на сделката вие, като купувач, имате някои законови задължения.

1. Identity document of the buyer/buyers

2. Power of attorney – if someone will carry out the transaction on your behalf. The power of attorney must be notarized and must clearly and precisely describe the rights of the authorized person.

3. Act 16 (building use permit) if you are purchasing a home in a newly constructed building.

4. DeclarationsWhen signing the notarial deed for the sale of the property, the buyer also fills in the following declarations:

• Declarations under Art. 25, para. 8 of the Law on the Protection of Personal Data
• Declaration under Art. 42, para. 2, item 2 of the Law on the Protection of the Rights of Persons with Disabilities
• Declaration under Art. 59, para. 1, item 3 of the Law on the Protection of the Rights of Persons with Disabilities – if the buyer is a legal entity
• Declaration of origin of funds under Art. 66, para. 2 of the LMIP – by the buyer.

The declarations are signed personally by the parties. When represented by a proxy, the proxy must have their declarations certified by a notary.

Necessary documents when buying and selling a new home - part 1

5. Contract with the bank - lenderif you are purchasing the property with a partial or full loan.

– On the day of the transaction, the notarial deed of sale is signed and the buyer acquires the property. This deed states that a portion of the amount will be paid to the seller through a bank loan, after the notarial deed of sale is registered and after the mortgage is registered. Usually, banks grant a loan for the purchase of a home, the amount being below the market value of the property, and the buyer provides the remaining amount himself. For example, if the home you want to buy costs 100 thousand leva, the bank will appraise the property and grant you a loan of a lesser value. You must provide the remainder yourself. The loan can be through a mortgage (if you do not repay what is due regularly, the bank has the right to take the home from you) or through a mortgage plus guarantors (persons who guarantee jointly with you that if you are unable to repay your loan, they will assume your obligations).

– Then the notarial deed for the establishment of a contractual mortgage is signed – or, respectively, the application for the registration of a legal mortgage. This deed is signed by an authorized representative of the bank, by the buyer-borrower, by the new owners of the property (if different from the borrower) and by the guarantors (joint and several debtors or co-borrowers) under the loan agreement, if any. The establishment of the mortgage and the signing of the notarial deed of sale are carried out on the same day.

6. Declaration of the property to the Local Taxes and Fees Office. You are obliged to declare your newly acquired property within two months, regardless of how it was acquired: through sale, inheritance, donation or other; regardless of whether it is a new construction or an old panel house. If you have purchased a property under rough construction, you must wait for the building to receive a permit for use and only then declare it within two months from the date of the permit. If you do not meet the deadline or declare incorrect data, you will be fined from 10 BGN to 400 BGN for an individual and from 100 BGN to 1000 BGN if the new owner is a legal entity.

Old or new construction – what to choose?

7. What documents do you need to declare your property if you are an individual:

– Declaration under Article 14 of the Law on the Protection of Personal Data;

– Ownership document /copy/;

– Permit for use or certificate of commissioning /for new construction/;

– Certificate of heirs /in the event of an inheritance/;

– Decision of the TELC /for primary residence, when applicable/;

– Power of attorney /when submitting the declaration by a proxy/.

8. Transfer of overhead service accounts. No matter which electricity and water provider we are talking about, the procedure and requirements are identical. In the transfer application, you must indicate the date of your notarial deed. From this date, the bills will come in your name. Anything unpaid before this date remains in the name of the old owner. However, the better option is for all bills to be cleared around the date of the transaction. Within 30 days, the new owner must submit to the company:

– identity document and property document (notary deed, certificate of heirs, partition agreement or others);

– application for transfer of the account;

– customer number (not required everywhere);

– an identity document and a power of attorney with a notarized signature of the owner(s), if the person transferring the account is an attorney.

© 2026 Iliana Dechkova