Against the backdrop of continuing economic dynamics, the housing loan market in Bulgaria has shown a remarkable upswing, reaching new heights. The latest data, published by the Bulgarian National Bank (BNB), reveals that the volume of housing loans granted by commercial banks has jumped by 27.4% on an annual basis, reaching an impressive 29.599 billion leva by the end of July this year.
This result underscores the resilience and appetite of households for purchasing properties, despite economic uncertainty. For comparison, at the same time last year, the total amount of housing loans was 23.232 billion leva, which is over 6 billion leva less. It is indicative that the growth rate of housing loans is even accelerating, surpassing the 26.8% annual growth reported in the previous month of June. This signals a strengthening trend in the real estate sector.
Overall lending picture: households and businesses
Consumer loans also registered growth, albeit at a more moderate pace. By the end of July, they amounted to 20.484 billion leva, which represents an annual increase of 13.6%. A slight slowdown in the growth rate is noted compared to the previous month, when an annual growth of 14% was reported.
The total volume of loans granted to households in the country is now 52 billion leva, which constitutes a significant portion of Bulgaria's forecasted Gross Domestic Product – 23.7%. This indicator includes housing and consumer loans, as well as the so-called "other loans" and overdrafts. On an annual basis, loans to households grew by 20.9%, maintaining almost the same pace registered in June (20.8%).
Economic fundamentals: loans for businesses and the financial sector
Lending to businesses continues to be a key driver for the economy. Loans provided to the non-financial sector reached 50.444 billion leva by the end of July, reporting an annual growth of 8.6%. This indicator shows that companies continue to invest and expand their activities. Similar to consumer loans, a slight slowdown in the growth rate is observed here as well compared to June, when the annual growth was 8.8%.
Separately, financial enterprises received loans worth 8.999 billion leva by the end of July 2025. This is 12% more than July 2024, and the growth trend has also slightly accelerated compared to June 2025 (11.7%).
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In conclusion, the total volume of loans for the non-governmental sector in the country by the end of July 2025 amounted to 111.443 billion leva, which represents 50.7% of GDP. This result shows a significant increase compared to the previous month of June 2025 (110.142 billion leva or 50.2% of GDP), and on an annual basis, the increase is 14.3%, maintaining the pace from the previous month. These data outline a picture of strong credit demand and supply, which is an indicator of the vitality of the economy.
Коментари (42)
vankatabg
25.08.2025, 13:29Еие, пак ще взимам заем до 2054 година 😂🏠💸
NOCOMMENT
25.08.2025, 13:29Ох, да можих и аз такъв кредит 😂🏠
FANATA
25.08.2025, 13:41Нереални цени! Кой може да си позволи толкова скъпи жилища?
tony_stark2019
25.08.2025, 13:44Абе моля те, лудница! Кой може да плаща такива заеми?!!
луди_стават
25.08.2025, 13:49Абе моля те, цените стават луди...
LUDATA
25.08.2025, 13:51Лудница,авновсичкикупуватапартаменти.! 😜
MARTIN_24
25.08.2025, 13:54ннормално, ей! евтин кредит, ниски лихви - щом може, защо да не купиш?
martin_24
25.08.2025, 13:53Факт, имотнният пазар върви нагоре!
BAT_JORDAN
25.08.2025, 13:55💩
petkan
25.08.2025, 13:56факт!
Shefa1980
25.08.2025, 14:49Кой ли може да си позволи такива цени?
pesho98
25.08.2025, 14:54ако имаш работа, може да си купиш жилище. не е невъзможно, ама иска се усилиq.!
KRISKO_BG
25.08.2025, 14:49Чудовищен ръст, при тези лихви направо лудост. 🤙
Maimunata
25.08.2025, 14:50Явнно всички искат имот, докато може!
Top4o2009
25.08.2025, 14:58факт, имотнният пазар е полудял!
petkan
25.08.2025, 14:58Абе моля те... тези цени са невъзможни вече.
NOCOMMENT
25.08.2025, 15:00луд пазар, брат. ще купуваме после с коннсервени кутии 😂
4. Стоянов
25.08.2025, 14:58Бум на пазара, логично.
народът_не_купува
25.08.2025, 15:01Факт, qвно народът не спира да купува имоти!
blagoi
25.08.2025, 14:59лудница! кой можи да си позволи такива цени?
tony_stark
25.08.2025, 15:01Факт, имотният пазар е доста горещ напоследък!
гражданин_х
25.08.2025, 15:02Аби моля те... Кредитите стават все по-скъпи.
MAGA
25.08.2025, 15:12факт!
Admina
25.08.2025, 15:12🤦♂️
realist1984
25.08.2025, 15:30Еее, сега вече може да си купя кутийка кибрит 😂!
BAT_JORDAN
25.08.2025, 15:32факт!
bat_vasko2000
25.08.2025, 15:35факт!
petrov
25.08.2025, 16:02факт!
ANONIEMEN
25.08.2025, 16:03факт!
VIKI_QNA
25.08.2025, 16:04факт!
vasil_p2004
25.08.2025, 16:06!!
TONY_STARK
25.08.2025, 16:06Явноимотниятпазарсивървинагоре,лихвитенеспиратхората.
JIVKO
25.08.2025, 17:1027% ръст - значи апетитът към имоти расте, въпреки високите лихви.
NINJA
25.08.2025, 17:10Нереални цени! Кой може да си купи жилище при такива заеми?
DIMITAR
25.08.2025, 17:58Факт! Имотниат пазар е луд в момента.
NOCOMMENT
25.08.2025, 18:00явно поколението ще живее под наем или при родителите...
pesho981996
25.08.2025, 18:02Abe molya te, mladi hora ne mogat da si kupyat zhilishte!
vankataBG2019
25.08.2025, 18:01Nyamam dumi kolko barzo raste pazarat.
tony_stark2000
25.08.2025, 18:03Аби моля те... Цените просто нямат граници!
PETROV
25.08.2025, 18:58лудница! пазарът тръгна нагоре.
darkangel1986
25.08.2025, 19:01abe molya te... koy mozhe da si pozvoli dnes kredit?!!
Nqkoi2016
25.08.2025, 19:02Факт, жилищата стават все по-скъпи.