Agree ownership shares, contributions and loan liability when buying together unmarried. Paying more instalments does not automatically increase your share.
Unmarried partners buying a Bulgarian home should expressly agree who acquires which share and who pays what. Living together does not itself create the matrimonial community regime.
A larger contribution should be reflected in the ownership fractions or a separate clear arrangement. Paying more mortgage instalments later does not automatically increase a person's share. The law presumes equal shares unless otherwise established, but the title and actual legal arrangements matter.
Money from parents also needs explanation: who receives it, and is it a gift or loan? Payment references and written terms help prevent a dispute involving several families.
Borrower, jointly liable debtor and owner of mortgaged property are distinct roles. Where joint and several liability is assumed, a private division of instalments does not automatically limit the bank's rights. Moving out or selling a share does not release a borrower without the required creditor consent.
Address occupation, expenses and a possible separation: valuation, a buyout proposal and a negotiation timetable. Do not assume these provisions can permanently exclude the statutory right to seek partition. Their purpose is an orderly process if circumstances change.
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This article is for general information only. It does not constitute or replace individual legal advice.