Real estate law
Residential mortgages for young people in Serbia – Frequently asked questions and answers, 15 March 2025.
On March 15, 2025, the implementation of the Law on establishing a guarantee scheme in subsidizing part of the interest as a measure to support young people in purchasing their first residential real estate began.
Through this Law, the state will provide guarantees for housing loans for young people buying their first real estate.
You can find all the details related to the purchase of real estate at our blog., if you still have doubts, you can contact us To a real estate lawyer.
You can find answers to all your questions and concerns below.
Subsidised housing loans for young people can be a great opportunity to buy a first home, but the procedure and conditions can sometimes be confusing. If you want legal support to understand your rights and options, our lawyers are here to help you.
Citizens of Serbia between the ages of 20 and 35 can apply for subsidies for housing loans for young people.
All persons between the ages of 20 and 35 are entitled to subsidized loans for young people, regardless of employment. If you are unemployed, an employed member of your family must be a guarantor for the loan.
If you own or have owned real estate, you cannot apply for this loan.
The right to apply for a subsidized loan for the purchase of an apartment is available to all persons who do not already have a housing loan and who are not registered in the credit bureau.
The minimum participation is 1%, however it can be higher at your request.
The maximum loan amount is 100,000 euros.
The maximum price per square meter is:
These are different properties, which can be divided into several categories:
Buying real estate through subsidized loans for young people is not possible for close relatives.
It is possible to get a subsidized loan for a period of up to 40 years, that is, up to the age of 70, of the beneficiary of the loan.
Interest on youth loans is divided into two periods:
You cannot sell or rent the property you bought using a youth loan for the first 6 years after purchase, after that you can sell or rent it.
Loans for young people are guaranteed by the state in the first 10 years up to the amount of 40% loans.
Loan processing costs for youth loans amount to a maximum of 1%.
In addition to the subsidized interest rate and the down payment, which is significantly lower compared to standard housing loans, the advantage of buying real estate through subsidized loans is that you, as a buyer, are exempt from having to have all documents certified by a notary public.
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