{"id":1189,"date":"2025-03-25T11:23:14","date_gmt":"2025-03-25T11:23:14","guid":{"rendered":"https:\/\/pmadvokati.com\/?p=1189"},"modified":"2026-09-13T07:22:17","modified_gmt":"2026-09-13T07:22:17","slug":"subvencionisani-stambeni-krediti-za-mlade-pitanja-i-odgovori","status":"publish","type":"post","link":"https:\/\/pmadvokati.com\/en\/subsidized-housing-loans-for-young-people-questions-and-answers\/","title":{"rendered":"Housing loans for young people in Serbia - most frequently asked questions and answers."},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1189\" class=\"elementor elementor-1189\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ed823d9 e-flex e-con-boxed e-con e-parent\" data-id=\"ed823d9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1d8f0d7 elementor-widget elementor-widget-html\" data-id=\"1d8f0d7\" 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.pma-related:hover{text-decoration:underline;}\n.pma-cta{max-width:680px;margin:24px auto 0;padding:56px 24px 90px;border-top:1px solid var(--pma-line);text-align:center;}\n.pma-cta h2{margin:0 0 12px;font-size:1.5rem;font-weight:700;letter-spacing:-0.01em;}\n.pma-cta p{color:var(--pma-ink-soft);max-width:440px;margin:0 auto 30px;font-size:1.02rem;line-height:1.6;}\n.pma-cta a{display:inline-block;background:var(--pma-btn-bg);color:var(--pma-btn-ink);font-weight:600;text-decoration:none;padding:14px 32px;border-radius:980px;font-size:.98rem;transition:opacity .15s ease;}\n.pma-cta a:hover{opacity:.82;}\n.pma-cta .pma-fine{margin-top:18px;color:var(--pma-ink-faint);font-size:.84rem;}\n@media(max-width:640px){.pma-hero h1{font-size:1.9rem;}.pma-dek{font-size:1.02rem;}.pma-author{flex-direction:column;align-items:flex-start;}}\n@media(prefers-reduced-motion:reduce){.pma-article *{transition:none!important;}}\n<\/style>\n<div class=\"pma-article\"><div class=\"pma-crumb\"><a href=\"https:\/\/pmadvokati.com\/\">PM Advokati<\/a> &nbsp;\/&nbsp; <a href=\"https:\/\/pmadvokati.com\/blog-novi\/\">Blog<\/a> &nbsp;\/&nbsp; Stambeni krediti za mlade u Srbiji \u2013 naj\u010de\u0161\u0107a pitanja i odgovori.<\/div><header class=\"pma-hero\"><p class=\"pma-eyebrow\">Nekretnine<\/p><h1>Stambeni krediti za mlade u Srbiji \u2013 naj\u010de\u0161\u0107a pitanja i odgovori.<\/h1><p class=\"pma-dek\">Stambeni krediti za mlade u Srbiji \u2013 naj\u010de\u0161\u0107a pitanja i odgovori 15. Marta 2025.<\/p><div class=\"pma-byline\"><span><b>Nemanja Pecarski<\/b><\/span><span class=\"pma-dot\">\u00b7<\/span><span>Advokat, PM Advokati<\/span><span class=\"pma-dot\">\u00b7<\/span><span>3 min \u010ditanja<\/span><\/div><\/header><nav class=\"pma-toc\"><p class=\"pma-lbl\">U ovom vodi\u010du<\/p><ol><li><a href=\"#s1\">Imate pitanja o subvencionisanim stambenim kreditima?<\/a><\/li><li><a href=\"#s2\">1.\tKo mo\u017ee da konkuri\u0161e za subvencije za kupovinu stana?<\/a><\/li><li><a href=\"#s3\">2.\tDa li moram da budem zaposlen da bih dobio kredit?<\/a><\/li><li><a href=\"#s4\">3.\tDa li mogu da konkuri\u0161em za subvencionisani kredit ukoliko ve\u0107 imam nekretninu?<\/a><\/li><li><a href=\"#s5\">4.\tDa li mogu da konkuri\u0161em za kredit ukoliko ve\u0107 imam kredit?<\/a><\/li><li><a href=\"#s6\">5.\tKoliko je u\u010de\u0161\u0107e za subvencionisani kredit?<\/a><\/li><li><a href=\"#s7\">6.\tKoliko je maksimalna vrednost kredita?<\/a><\/li><li><a href=\"#s8\">7.\tKolika je maksimalna cena kvadrata za kupovinu stana putem subvencionisanog kredita?<\/a><\/li><li><a href=\"#s9\">8.\tKoje nekretnine je mogu\u0107e kupiti putem subvencionisanog stambenog kredita?<\/a><\/li><li><a href=\"#s10\">9.\tDa li mogu da kupim nekretninu od svog ro\u0111aka?<\/a><\/li><li><a href=\"#s11\">10.\tNa koliko godina je mogu\u0107e dobiti kredit za mlade?<\/a><\/li><li><a href=\"#s12\">11.\t Kolika je kamata na kredite za mlade?<\/a><\/li><li><a href=\"#s13\">12.\t Da li mogu da prodam stan kupljen putem kredita za mlade?<\/a><\/li><li><a href=\"#s14\">13.\t Da li neko garantuje za kredite za mlade?<\/a><\/li><li><a href=\"#s15\">14.\tKoliki su tro\u0161kovi obrade kredita kod kredita za mlade?<\/a><\/li><li><a href=\"#s16\">15.\t Prednosti kredita za mlade?<\/a><\/li><\/ol><\/nav><div class=\"pma-body\"><p>15. Marta 2025. godine po\u010dela je primena Zakona o utvr\u0111ivanju garantne \u0161eme u subvencionisanju dela kamate kao mera podr\u0161ke mladima u kupovini prve stambene nepokretnosti.<\/p><p>Putem ovog Zakona dr\u017eava \u0107e obezbediti garancije za stambene kredite za mlade kupovinu prve nekretnine.<\/p><p>Sve detalje vezane za kupovinu nekretnine, mo\u017eete prona\u0107i na <a href=\"https:\/\/pmadvokati.com\/vodic-za-kupovinu-nepokretnosti-u-srbiji-2025-godina\/\" target=\"_blank\" rel=\"noopener\">na\u0161em blogu<\/a>, ukoliko i dalje imate nedoumice mo\u017eete se obratiti <a href=\"https:\/\/pmadvokati.com\/#about-us\">Advokatu za nekretnine.<\/a><\/p><p>Odgovore na sva Va\u0161a pitanja i nedoumice mo\u017eete prona\u0107i ispod.<\/p><h2 id=\"s1\">Imate pitanja o subvencionisanim stambenim kreditima?<\/h2><p>Subvencionisani stambeni krediti za mlade mogu biti odli\u010dna prilika za kupovinu prvog doma, ali\n        postupak i uslovi ponekad znaju biti zbunjuju\u0107i.  \n        Ako \u017eelite pravnu podr\u0161ku da razumete svoja prava i mogu\u0107nosti, na\u0161i advokati su tu da vam pomognu.<\/p><h2 id=\"s2\">1.\tKo mo\u017ee da konkuri\u0161e za subvencije za kupovinu stana?<\/h2><p>Za subvencije za stambene kredite za mlade mogu konkurisati dr\u017eavljani Srbije starosti od 20 do 35 godina.<\/p><h2 id=\"s3\">2.\tDa li moram da budem zaposlen da bih dobio kredit?<\/h2><p>Pravo na subvencionisane kredite za mlade imaju sva lica koja su starosti od 20 do 35 godina, bez obzira na zaposlenost. U slu\u010daju da ste nezaposleni potrebno je da zaposleni \u010dlan Va\u0161e porodice bude jemac za kredit.<\/p><h2 id=\"s4\">3.\tDa li mogu da konkuri\u0161em za subvencionisani kredit ukoliko ve\u0107 imam nekretninu?<\/h2><p>Ukoliko imate neku nekretninu ili ste je imali ne mo\u017eete aplicirati za ovaj kredit.<\/p><h2 id=\"s5\">4.\tDa li mogu da konkuri\u0161em za kredit ukoliko ve\u0107 imam kredit?<\/h2><p>Pravo konkurisanja za subvencionisani kredit za kupovinu stana imaju sva lica koja nemaju ve\u0107 stambeni kredit i koja nisu upisana u kreditnom birou.<\/p><h2 id=\"s6\">5.\tKoliko je u\u010de\u0161\u0107e za subvencionisani kredit?<\/h2><p>U\u010de\u0161\u0107e je minimalno 1%, me\u0111utim ono mo\u017ee na Va\u0161 zahtev biti i ve\u0107e.<\/p><h2 id=\"s7\">6.\tKoliko je maksimalna vrednost kredita?<\/h2><p>Maksimalna visina kredita iznosi 100.000 evra.<\/p><h2 id=\"s8\">7.\tKolika je maksimalna cena kvadrata za kupovinu stana putem subvencionisanog kredita?<\/h2><p>Maksimalna cena kvadrata iznosi:<\/p><ul class=\"pma-list\"><li>U Beogradu: 2200 evra po kvadratu,<\/li><li>U Novom Sadu: 1800 evra po kvadratu,<\/li><li>U Ni\u0161u: 1500 evra po kvadratu,<\/li><li>U Kragujevcu: 1400 evra po kvadratu,<\/li><li>U ostalim gradovima Srbije: do 1300 evra po kvadratu.<\/li><\/ul><h2 id=\"s9\">8.\tKoje nekretnine je mogu\u0107e kupiti putem subvencionisanog stambenog kredita?<\/h2><p>U pitanju su razli\u010dite nekretnine, koje se mogu podeliti na nekoliko kategorija:<\/p><ul class=\"pma-list\"><li>Izgra\u0111ene i uknji\u017eene nekretnine (starogradnja i novogradnja),<\/li><li>Nekretnine u izgradnji,<\/li><li>Nekretnine koje su u okviru mera pomo\u0107i odre\u0111enoj kategoriji lica.<\/li><\/ul><h2 id=\"s10\">9.\tDa li mogu da kupim nekretninu od svog ro\u0111aka?<\/h2><p>Kupovina nekretnina putem subvencionisanih kredita za mlade, nije mogu\u0107a od strane bliskih srodnika.<\/p><h2 id=\"s11\">10.\tNa koliko godina je mogu\u0107e dobiti kredit za mlade?<\/h2><p>Subvencionisani kredit je mogu\u0107e dobiti na period do 40 godina, odnosno do 70. godine \u017eivota, korisnika kredita.<\/p><h2 id=\"s12\">11.\t Kolika je kamata na kredite za mlade?<\/h2><p>Kamata kod kredita za mlade je podeljena u dva perioda:<\/p><ul class=\"pma-list\"><li>U prvih 6 godina kamata je fiksna i ona je ograni\u010dena 3,5%,<\/li><li>Od 6. godine pa do trenutka isplate kredita kamata je 2% plus iznos tromese\u010dnog\/\u0161estomese\u010dnog EURIBOR-a.<\/li><\/ul><h2 id=\"s13\">12.\t Da li mogu da prodam stan kupljen putem kredita za mlade?<\/h2><p>Nekretninu koju ste kupili koriste\u0107i kredit za mlade ne mo\u017eete prodati niti iznajmiti u prvih 6 godina od kupovine, nakon toga, mo\u017eete izvr\u0161iti prodaju ili iznajmljivanje.<\/p><h2 id=\"s14\">13.\t Da li neko garantuje za kredite za mlade?<\/h2><p>Za kredite za mlade garantuje dr\u017eava u prvih 10 godina do visine od 40% kredita.<\/p><h2 id=\"s15\">14.\tKoliki su tro\u0161kovi obrade kredita kod kredita za mlade?<\/h2><p>Tro\u0161kovi obrade kredita kod kredita za mlade iznose maksimalno 1%.<\/p><h2 id=\"s16\">15.\t Prednosti kredita za mlade?<\/h2><p>Pored subvencionisane kamatne stope i u\u010de\u0161\u0107a koje je zna\u010dajno ni\u017ee u odnosu na standardne stambene kredite, prednost kupovine nekretnine putem subvencionisanih kredita je i to \u0161to ste kao kupac oslobo\u0111eni pla\u0107anja Overe svih isprava kod javnog bele\u017enika.<\/p><h3>Advokat<\/h3><p>Kontaktirajte nas!<\/p><p>Kontaktirajte nas i re\u0161ite nedoumice Vodi\u010d za kupovinu nekretnine<\/p><div class=\"pma-author\"><div><div class=\"pma-name\">Nemanja Pecarski<\/div><div class=\"pma-role\">Advokat, PM Advokati<\/div><\/div><\/div><\/div><\/div><div class=\"pma-cta\"><h2>Imate pravno pitanje?<\/h2><p>Zaka\u017eite besplatne konsultacije sa na\u0161im timom i saznajte kako mo\u017eemo da vam pomognemo.<\/p><a href=\"https:\/\/pmadvokati.com\/kontakt\/\">Zaka\u017eite konsultaciju<\/a><div class=\"pma-fine\">Radimo na srpskom i engleskom. Bez obaveza.<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Stambeni krediti za mlade u Srbiji \u2013 naj\u010de\u0161\u0107a pitanja i odgovori 15. Marta 2025. godine po\u010dela je primena Zakona o utvr\u0111ivanju garantne \u0161eme u subvencionisanju dela kamate kao mera podr\u0161ke mladima u kupovini prve stambene nepokretnosti. Putem ovog Zakona dr\u017eava \u0107e obezbediti garancije za stambene kredite za mlade kupovinu prve nekretnine. Sve detalje vezane za [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":1191,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"elementor_canvas","format":"standard","meta":{"footnotes":""},"categories":[19],"tags":[432,421,433,420,426],"class_list":["post-1189","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nekretnine","tag-kako-aplicirati-stambeni-kredit-mladi","tag-kredit-za-prvu-nekretninu-mladi","tag-kupovina-prve-nekretnine-program-mladi","tag-stambeni-krediti-za-mlade-srbija","tag-uslovi-za-stambeni-kredit-mladi-2026"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.1.1 - aioseo.com -->\n\t<meta name=\"description\" content=\"Tokom 2025. godine banke su po\u010dele da odobravaju kredite za mlade. 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