Sale

Three-room apartment with two terraces in Cholakovtsi, Veliko Tarnovo

Veliko TyrnovoCholakovci
Published: 9 January 2026 Updated: 25 September 2026
Sale79,900 €951 €/m²
Expected rent385 € /mo

~31,500 € BELOW MARKET

good value

against the median for apartments in Cholakovci (15 properties)

Area
84 m²
Floor
6 / 6
Construction
Panel
Year
1980

Yield analysis

Fair investment rating

5.8% / yr
Monthly payment354 €20% down payment · 20 yrs · 3%
Expected rent385 €at market conditions for the neighbourhood

The rent covers 109% of the payment — the tenant pays off the loan over 20 years. From rent alone, with no loan, it pays for itself in 17 years. Calculated from the median rent for the neighbourhood, at full occupancy and before running costs — a benchmark, not a guarantee.

Property analysis

This apartment is priced about 31,500 € below the typical price (the median) for apartments in Cholakovci (15 properties) — 951 €/m² against 1,327 €/m².

Apartment with three rooms in the Cholakovtsi district, Veliko Tarnovo. It is located on the top, 6th floor of a prefab panel building with an elevator.

The layout includes a kitchen with a glazed terrace, a living room with a second terrace, two bedrooms (one walk-through), a bathroom and a separate toilet, as well as a storage room. The total floor area is 84 sq m, and the apartment also has an adjacent basement.

The building is prefab panel from 1980, maintained and with available amenities such as an elevator and access control. The apartment is internal, with south and north aspect, providing good lighting and warmth.

The location is central for the district, close to kindergarten, school, shops and a bus stop, with sufficient parking spaces around the building.

The property is suitable for family use, offering balanced layout and conveniences for daily living.

With 20% down over 20 years the monthly mortgage payment is about 354 €, against an expected local rent of 385 €. The rent covers the whole payment (109%).

Source: Market statistics for apartments in Cholakovci

Pros and cons

AI summary
Pros
  • functional layout
  • elevator
  • parking space
  • south/north aspect
Cons
  • top floor
  • prefab panel construction
  • walk-through rooms

Questions for the viewing

Only on imotesa

Derived from this specific property's data — not a generic checklist. Take them with you.

  1. Why is this priced below comparable properties? Is there anything that could affect the sale?

    Because: The price per m² is about 28% below the average for comparable properties.

  2. What feedback have previous viewers given?

    Because: We have been tracking this listing for about 267 days.

  3. Has the block been insulated under the renovation programme, and is there paperwork for it?

    Because: Prefabricated panel construction.

  4. Have the risers been replaced, and when was the roof last repaired?

    Because: The building dates from 1980 — about 46 years old.

  5. What condition is the roof in, and does it overheat in summer?

    Because: The property is on the top floor.

Generated automatically from the data we hold. They do not replace an in-person viewing, a survey or legal due diligence.

Layout

  • kitchen
  • bedroom
  • living room
  • bedroom

Amenities

  • With Transition
  • Elevator
  • With Parking
  • Access Control

Exposure

AI summary
SSouth

Maximum sunlight throughout the day

NNorth

Even light, cooler during summer

Details

Category
Residential
Rooms
3
Bathrooms
2
Furnishing
Yes

Approximate location

The exact address hasn't been published by the seller — the map shows the neighbourhood.

Similar properties nearby