{"id":40120,"date":"2026-01-31T23:08:00","date_gmt":"2026-01-31T21:08:00","guid":{"rendered":"https:\/\/vbansko.com\/?p=40120"},"modified":"2026-03-29T01:15:39","modified_gmt":"2026-03-28T23:15:39","slug":"notary-in-bansko-real-estate-transaction","status":"publish","type":"post","link":"https:\/\/vbansko.com\/en\/notary-in-bansko-real-estate-transaction\/","title":{"rendered":"Notary in Bansko in a property transaction: Complete guide"},"content":{"rendered":"<article style=\"max-width: 850px;margin: 0 auto;font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;line-height: 1.8;color: #333\">You have reached the final stage of your property deal in the winter resort. The price has been agreed, the documents have been collected, and the financing has been secured (now in euros, which greatly facilitates the process in 2026). The last and most important step remains \u2013 the \u201econfession\u201c of the deal and the transfer of ownership. This is where the key figure enters the scene: <strong>The notary in <a class=\"wpil_keyword_link\" title=\"Bansko\" href=\"https:\/\/vbansko.com\/en\/for-bansko\/\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"4205\">Bansko<\/a><\/strong>.Many buyers and sellers, especially foreigners or people who rarely enter into real estate transactions, feel uncertain at this stage. Dozens of questions arise: <em>\u201e&quot;Is a notary required?&quot;, &quot;Can I use my trusted notary in Sofia?&quot;, &quot;How much exactly will everything cost and who pays the bill?&quot;\u201c<\/em>.In this detailed guide, developed by our experts with decades of experience in the local market, we will comprehensively answer all questions related to the choice, competencies and cost of the service when working with <strong>notary in Bansko<\/strong>.<\/p>\n<div style=\"background-color: #e3f2fd;padding: 25px;border-left: 6px solid #2196f3;margin: 30px 0\">\n<h2 style=\"margin-top: 0;color: #0d47a1\">Is a notary required in a property transaction?<\/h2>\n<p>The short and definitive answer is: <strong>YES, it is absolutely mandatory.<\/strong><\/p>\n<p>According to Bulgarian legislation (Property Law and Obligations and Contracts Law), the transfer of ownership of real estate occurs only by signing a deed. <strong>Notarial deed<\/strong>.<\/p>\n<p>The preliminary contract that you may have already signed is only a promise for a future transaction, but it does not make you the owner. A notary is the official charged by the state to guarantee the legality of the transaction. His functions include:<\/p>\n<ul style=\"margin-bottom: 0\">\n<li>Verification of the identity and legal capacity of the parties.<\/li>\n<li>Ensuring that the seller is the real owner.<\/li>\n<li>Check for encumbrances on the property (mortgages, foreclosures) on the day of the transaction.<\/li>\n<li>Registration of the new owner in the Property Register at the Registry Agency.<\/li>\n<\/ul>\n<\/div>\n<h2 style=\"color: #2c3e50\">Critically important: Competence by region (Why Razlog?)<\/h2>\n<p>This is the most common mistake made by buyers who are not from the region. <strong>You cannot confess a property deal in Bansko to a notary in Sofia, Plovdiv or Varna.<\/strong><\/p>\n<p><strong>The rule of local jurisdiction:<\/strong> The real estate transaction must be carried out by a notary in whose judicial district the property is located. The town of Bansko, as well as the surrounding settlements (Dobrinishte, Banya, Eleshnitsa), fall within the region of <strong>District Court \u2013 Razlog<\/strong>.<\/p>\n<p>Therefore, you should choose a notary in Bansko or Razlog, <strong>who is registered in the Notary Chamber with the area of operation RS-Razlog<\/strong>. Physically, the offices of these notaries are mainly located in the town of Razlog (the administrative center 6 km from Bansko), but some of them have reception days or offices in the town of Bansko itself for the convenience of clients.<\/p>\n<h3 style=\"color: #2c3e50\">Operating notaries in the area (Current as of 2026):<\/h3>\n<p>There are several established specialists with many years of experience working in the area. Here are some of the most famous firms we often work with:<\/p>\n<ul>\n<li><strong><a href=\"https:\/\/vbansko.com\/en\/yes\/notary-sashka-vitanova\/\">Notary Sashka Vitanova<\/a> (Reg. No. 489)<\/strong><br \/>\nAddress: Razlog, Preobrazhenie Sq. No. 7, 1st floor, office 1<br \/>\nPhone: 0747 80 185<br \/>\nMobile: 0887 785 168<\/li>\n<li><strong><a href=\"https:\/\/vbansko.com\/en\/yes\/notary-natalia-mavrodieva\/\">Notary Natalia Mavrodieva<\/a> (Reg. No. 494)<\/strong><br \/>\nAddress: Razlog, 14 Byala Reka Street, 1st floor<br \/>\nPhone: 0747 80 222<br \/>\nMobile: 0889 22 80 64<\/li>\n<\/ul>\n<p>Note: According to the register of the Notary Chamber, for the period 2025\u20132027, a deputy notary named Spasimira Farfarova is listed for this office.<\/p>\n<ul>\n<li><strong><a href=\"https:\/\/vbansko.com\/en\/yes\/notary-lilyana-mutafchieva-kadeva\/\">Notary Lilyana Mutafchieva-Kadeva<\/a> (Reg. No. 502)<\/strong><br \/>\nAddress: Razlog, 1 St. Kliment Ohridski Street, 1st floor, apt. 1<br \/>\nPhone: 0747 80 060<\/li>\n<li><strong><a href=\"https:\/\/vbansko.com\/en\/yes\/notary-snezhana-kolevichina\/\">Notary Snezhana Kolevichina<\/a> (Reg. No. 505)<\/strong><br \/>\nAddress: town of Razlog, &quot;Ohrid&quot; street No. 16 A<br \/>\nPhone: 0747 80 920<\/li>\n<li><strong><a href=\"https:\/\/vbansko.com\/en\/yes\/notary-mila-konovska\/\">Notary Mila Konovska<\/a> (Reg. No. 553)<\/strong><br \/>\nAddress: Razlog, Preobrazhenie Sq. No. 7, 2nd floor, office 4 and 5<br \/>\nPhone: 0747 82 299<\/li>\n<\/ul>\n<p style=\"font-size: 0.9em;font-style: italic\">*Note: We strongly recommend that you book a deal at least 1-2 weeks in advance, especially during the busy winter or summer season when the workload is high.<\/p>\n<h2 style=\"color: #2c3e50\">Who pays the notary fees in Bansko?<\/h2>\n<p>This is a matter of agreement between the parties, but in the Bansko region there is a firmly established commercial practice:<\/p>\n<div style=\"gap: 20px;flex-wrap: wrap;margin: 30px 0\">\n<div style=\"flex: 1;min-width: 300px;background-color: #f1f8e9;padding: 20px;border-radius: 8px;border-top: 5px solid #558b2f\">\n<h4 style=\"margin-top: 0;color: #33691e\">Standard Practice<\/h4>\n<p>In 95% of the cases in Bansko, all transfer costs (local tax, notary fee, registration fee) are paid in full by <strong>THE BUYER<\/strong>.<\/p>\n<\/div>\n<div style=\"flex: 1;min-width: 300px;background-color: #fff3e0;padding: 20px;border-radius: 8px;border-top: 5px solid #e65100\">\n<h4 style=\"margin-top: 0;color: #bf360c\">By Law (ZZD)<\/h4>\n<p>If there is no explicit agreement in the contract, the transaction costs are shared. <strong>equally (50\/50)<\/strong> between buyer and seller.<\/p>\n<\/div>\n<\/div>\n<p><strong>Tip for sellers:<\/strong> To avoid unpleasant surprises on the day of the transaction, make sure that the Preliminary Contract explicitly states that all costs of the notarial transfer are at the expense of the buyer.<\/p>\n<h2 style=\"color: #2c3e50\">Fee Breakdown: What exactly are you paying?<\/h2>\n<p>The amount that the buyer pays at the office of the chosen one <strong>notary in Bansko<\/strong>, does not go only to his remuneration. The notary acts as a \u201ccollector\u201d of state and municipal receivables. The total amount consists of three main items, which are calculated on the \u201ematerial interest\u201c (which is the higher value between the sales price and the tax assessment).<\/p>\n<table style=\"width: 100%;border-collapse: collapse;margin: 25px 0;border: 1px solid #ddd\">\n<thead>\n<tr style=\"background-color: #2c3e50;color: #ffffff\">\n<th style=\"padding: 15px;text-align: left\">Type of fee<\/th>\n<th style=\"padding: 15px;text-align: left\">Size (For Bansko Municipality 2026)<\/th>\n<th style=\"padding: 15px;text-align: left\">Where does the money go?<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"padding: 15px;border-bottom: 1px solid #ddd;font-weight: bold\">1. Local tax (MDT) for acquisition<\/td>\n<td style=\"padding: 15px;border-bottom: 1px solid #ddd\"><strong>3.0%<\/strong> of the value<\/td>\n<td style=\"padding: 15px;border-bottom: 1px solid #ddd\">Directly into the budget of the Bansko Municipality. This is the biggest item.<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 15px;border-bottom: 1px solid #ddd;font-weight: bold\">2. Notary fee<\/td>\n<td style=\"padding: 15px;border-bottom: 1px solid #ddd\">By Tariff (proportional scale) + 20% VAT<\/td>\n<td style=\"padding: 15px;border-bottom: 1px solid #ddd\">Remuneration for the work of the notary and his team.<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 15px;border-bottom: 1px solid #ddd;font-weight: bold\">3. Registration fee<\/td>\n<td style=\"padding: 15px;border-bottom: 1px solid #ddd\"><strong>0.1%<\/strong> of the value (minimum 10 BGN)<\/td>\n<td style=\"padding: 15px;border-bottom: 1px solid #ddd\">To the Registry Agency (State Budget).<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<div style=\"background-color: #f8f9fa;padding: 25px;border-left: 6px solid #607d8b;margin: 30px 0\">\n<h3 style=\"margin-top: 0;color: #37474f\">Real example for 2026 (Deal for 60,000 Euros)<\/h3>\n<p>Let&#039;s assume you are buying an apartment in Bansko with a sales price of 60,000 euros (and the tax assessment is lower). Here is a rough calculation of the costs at the notary:<\/p>\n<ul>\n<li><strong>Local tax (3%):<\/strong> 1,800 \u20ac<\/li>\n<li><strong>Notary fee (according to tariff + VAT):<\/strong> Approximately \u20ac530 \u2013 \u20ac580<\/li>\n<li><strong>Entry fee (0.1%):<\/strong> 60 \u20ac<\/li>\n<li><strong>Additional fees:<\/strong> (for transcripts, declarations, verification of encumbrances on the day of the transaction): Around \u20ac80 \u2013 \u20ac120<\/li>\n<\/ul>\n<p><strong>TOTAL INDICATIVE COSTS: Between \u20ac2,470 and \u20ac2,560<\/strong><\/p>\n<p><em>(Important: This bill is approximate. The exact amount to the penny is calculated by the notary&#039;s accounting department on the day of the transaction.)<\/em><\/p>\n<\/div>\n<h2 style=\"color: #2c3e50\">Additional security: Trust account (Escrow)<\/h2>\n<p>In 2026, in transactions of higher value or when the parties do not know each other (especially in distance sales), the service is often used <strong>\u201cNotary trust account\u201d (Escrow account)<\/strong>.<\/p>\n<p>With this mechanism, the buyer transfers the money not directly to the seller, but to a special account of the notary. <em>before<\/em> signing the deed. The notary only transfers the money to the seller after the transaction has been successfully registered and it is guaranteed that the buyer is the new owner. This is the safest payment method that eliminates the risk of fraud. This service is paid additionally at the notary&#039;s rate.<\/p>\n<div style=\"background-color: #2c3e50;padding: 35px;border-radius: 12px;margin: 40px 0;color: #ffffff\">\n<h3 style=\"color: #ffffff;margin-top: 0;text-align: center\">Do you want an accurate calculation before the deal?<\/h3>\n<p style=\"text-align: center\">Don&#039;t guess how much money to prepare. We work daily with all the competent notaries in the area and can prepare you a precise preliminary budget for your transaction.<\/p>\n<div style=\"text-align: center;margin-top: 25px\"><a style=\"background-color: #f1c40f;color: #ffffff !important;padding: 18px 35px;text-decoration: none;font-weight: bold;border-radius: 8px;font-size: 1.1em\" href=\"\/en\/contact\/\">REQUEST A FEES CALCULATION<\/a><\/div>\n<\/div>\n<h3 style=\"color: #2c3e50\">Conclusion<\/h3>\n<p>Working with a competent <strong>notary in Bansko<\/strong> (or more precisely in the RS-Razlog region) is not just a legal formality, but the most important guarantee for the security of your investment. Good organization, advance reservation of an appointment and clear specification of who bears the costs are key to the smooth running of the process. Be financially prepared for the accompanying costs, which in the Municipality of Bansko are slightly higher due to the 3 percent local tax, and do not hesitate to use a trust account for maximum security.<\/p>\n<\/article>","protected":false},"excerpt":{"rendered":"<p>\u0421\u0442\u0438\u0433\u043d\u0430\u043b\u0438 \u0441\u0442\u0435 \u0434\u043e \u0444\u0438\u043d\u0430\u043b\u043d\u0430\u0442\u0430 \u043f\u0440\u0430\u0432\u0430 \u043d\u0430 \u0432\u0430\u0448\u0430\u0442\u0430 \u0438\u043c\u043e\u0442\u043d\u0430 \u0441\u0434\u0435\u043b\u043a\u0430 \u0432 \u0437\u0438\u043c\u043d\u0438\u044f \u043a\u0443\u0440\u043e\u0440\u0442. \u0426\u0435\u043d\u0430\u0442\u0430 \u0435 \u0443\u0433\u043e\u0432\u043e\u0440\u0435\u043d\u0430, \u0434\u043e\u043a\u0443\u043c\u0435\u043d\u0442\u0438\u0442\u0435 \u0441\u0430 \u0441\u044a\u0431\u0440\u0430\u043d\u0438, \u0430 \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u0430\u043d\u0435\u0442\u043e \u0435 \u043e\u0441\u0438\u0433\u0443\u0440\u0435\u043d\u043e (\u0432\u0435\u0447\u0435 \u0432 \u0435\u0432\u0440\u043e, \u043a\u043e\u0435\u0442\u043e \u0437\u043d\u0430\u0447\u0438\u0442\u0435\u043b\u043d\u043e \u0443\u043b\u0435\u0441\u043d\u044f\u0432\u0430 \u043f\u0440\u043e\u0446\u0435\u0441\u0430 \u043f\u0440\u0435\u0437 [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":40121,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1053,11222],"tags":[195,11290,11291,11292,9343,10991,11289,11294,11293,6899],"class_list":["post-40120","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-saveti-pri-pokupka-na-imot","category-saveti-pri-prodazhba-na-imot","tag-bansko","tag-izpovyadvane-na-sdelka","tag-imoten-registar","tag-mesten-danak-bansko","tag-notarialni-taksi","tag-notarius","tag-pokupko-prodazhba","tag-prehvarlyane-na-imot","tag-rajonen-sad-razlog","tag-sdelka-s-imot"],"acf":[],"cubewp_post_meta":[],"taxonomies":["\u0421\u044a\u0432\u0435\u0442\u0438 \u043f\u0440\u0438 \u043f\u043e\u043a\u0443\u043f\u043a\u0430 \u043d\u0430 \u0438\u043c\u043e\u0442","\u0421\u044a\u0432\u0435\u0442\u0438 \u043f\u0440\u0438 \u043f\u0440\u043e\u0434\u0430\u0436\u0431\u0430 \u043d\u0430 \u0438\u043c\u043e\u0442","\u0411\u0430\u043d\u0441\u043a\u043e","\u0438\u0437\u043f\u043e\u0432\u044f\u0434\u0432\u0430\u043d\u0435 \u043d\u0430 \u0441\u0434\u0435\u043b\u043a\u0430","\u0438\u043c\u043e\u0442\u0435\u043d \u0440\u0435\u0433\u0438\u0441\u0442\u044a\u0440","\u043c\u0435\u0441\u0442\u0435\u043d \u0434\u0430\u043d\u044a\u043a \u0411\u0430\u043d\u0441\u043a\u043e","\u043d\u043e\u0442\u0430\u0440\u0438\u0430\u043b\u043d\u0438 \u0442\u0430\u043a\u0441\u0438","\u043d\u043e\u0442\u0430\u0440\u0438\u0443\u0441","\u043f\u043e\u043a\u0443\u043f\u043a\u043e-\u043f\u0440\u043e\u0434\u0430\u0436\u0431\u0430","\u043f\u0440\u0435\u0445\u0432\u044a\u0440\u043b\u044f\u043d\u0435 \u043d\u0430 \u0438\u043c\u043e\u0442","\u0420\u0430\u0439\u043e\u043d\u0435\u043d \u0441\u044a\u0434 \u0420\u0430\u0437\u043b\u043e\u0433","\u0441\u0434\u0435\u043b\u043a\u0430 \u0441 \u0438\u043c\u043e\u0442"],"_links":{"self":[{"href":"https:\/\/vbansko.com\/en\/wp-json\/wp\/v2\/posts\/40120","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/vbansko.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/vbansko.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/vbansko.com\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/vbansko.com\/en\/wp-json\/wp\/v2\/comments?post=40120"}],"version-history":[{"count":11,"href":"https:\/\/vbansko.com\/en\/wp-json\/wp\/v2\/posts\/40120\/revisions"}],"predecessor-version":[{"id":46530,"href":"https:\/\/vbansko.com\/en\/wp-json\/wp\/v2\/posts\/40120\/revisions\/46530"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/vbansko.com\/en\/wp-json\/wp\/v2\/media\/40121"}],"wp:attachment":[{"href":"https:\/\/vbansko.com\/en\/wp-json\/wp\/v2\/media?parent=40120"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/vbansko.com\/en\/wp-json\/wp\/v2\/categories?post=40120"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/vbansko.com\/en\/wp-json\/wp\/v2\/tags?post=40120"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}