General Assessment

Variable(2018)
Data
Main constraints in the development of the housing finance sector  
New developments that will have a major impact on the sector 
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Notes: % of households with reduced or free rent; National figure
Notes: % of households with reduced or free rent; National figure
Notes: % of households with reduced or free rent; National figure
Notes: % of households with reduced or free rent; National figure
Notes: % of households with reduced or free rent; National figure
Notes: % of households with reduced or free rent; National figure
Notes: % of households; National figure
Notes: % of households; National figure
Notes: % of households; National figure
Notes: % of households; National figure
Notes: % of households; National figure
Notes: % of households; National figure
Notes: % of households; National figure
Notes: % of households; National figure
Notes: % of households; National figure
Notes: % of households; National figure
Notes: % of households; National figure
Notes: % of households; National figure
Notes: % of households; National figure
Notes: % of households; National figure
Notes: % of households; National figure
Notes: % of households; National figure
Notes: % of households; National figure
Notes: % of households; National figure
Notes: % of total mortgage loans that are insured with the NMIC
Notes: % of total mortgage loans that are insured with the NMIC
Notes: % of total mortgage loans that are insured with the NMIC
Notes: % of total mortgage loans that are insured with the NMIC
Notes: 0% interest on state-subsidized loans from 2009-2012 and the last five years of the loan
Notes: 0% interest on state-subsidized loans from 2009-2012 and the last five years of the loan
Notes: 0% interest on state-subsidized loans from 2009-2012 and the last five years of the loan
Notes: 0% interest on state-subsidized loans from 2009-2012 and the last five years of the loan
Notes: 0% interest on state-subsidized loans from 2009-2012 and the last five years of the loan
Notes: 20% capital gains tax only on nonresidents
Notes: 20% capital gains tax only on nonresidents
Notes: 20% capital gains tax only on nonresidents
Notes: 20% capital gains tax only on nonresidents
Notes: 20% capital gains tax only on nonresidents
Notes: 2010=100
Notes: 2010=100
Notes: 2010=100
Notes: 2010=100
Notes: 2010=100
Notes: 2010=100
Notes: 2010=100
Notes: 2010=100
Notes: 2010=100
Notes: 2010=100
Notes: 2010=100
Notes: 2010=100
Notes: 2010=100
Notes: 2010=100
Notes: 2010=100
Notes: 2010=100
Notes: 2010=100
Notes: 2010=100
Notes: 80% LTV limit for foreign currency denominated or foreign currency index mortgage loans
Notes: 80% LTV limit for foreign currency denominated or foreign currency index mortgage loans
Notes: 80% LTV limit for foreign currency denominated or foreign currency index mortgage loans
Notes: 80% LTV limit for foreign currency denominated or foreign currency index mortgage loans
Notes: 80% LTV limit for foreign currency denominated or foreign currency index mortgage loans
Notes: 80% LTV limit for foreign currency denominated or foreign currency index mortgage loans
Notes: 80% LTV limit for foreign currency denominated or foreign currency index mortgage loans
Notes: 80% LTV limit for foreign currency denominated or foreign currency index mortgage loans
Notes: Average key policy rate over the year
Notes: Average key policy rate over the year
Notes: Average key policy rate over the year
Notes: Average key policy rate over the year
Notes: Average key policy rate over the year
Notes: Average key policy rate over the year
Notes: Average key policy rate over the year
Notes: Average key policy rate over the year
Notes: Average key policy rate over the year
Notes: Average key policy rate over the year
Notes: Average key policy rate over the year
Notes: Average key policy rate over the year
Notes: Average LTV for mortgages insured by NMIC which account for almost 80% of mortgages
Notes: Average LTV for mortgages insured by NMIC which account for almost 80% of mortgages
Notes: Average LTV for mortgages insured by NMIC which account for almost 80% of mortgages
Notes: Average LTV for mortgages insured by NMIC which account for almost 80% of mortgages
Notes: FSAP conducted in 2010
Notes: In 2014 there was no budget to implement state subsidies
Notes: In 2014 there was no budget to implement state subsidies
Notes: Kinship and other forms of tenure; National figure
Notes: LafargeHolcim is a building materials company that partnered with lenders to offer housing microloans
Notes: LafargeHolcim is a building materials company that partnered with lenders to offer housing microloans
Notes: LafargeHolcim is a building materials company that partnered with lenders to offer housing microloans
Notes: LafargeHolcim is a building materials company that partnered with lenders to offer housing microloans
Notes: LafargeHolcim is a building materials company that partnered with lenders to offer housing microloans
Notes: LafargeHolcim partnered with Societe Generale to offer housing microloans
Notes: LafargeHolcim partnered with Societe Generale to offer housing microloans
Notes: LafargeHolcim partnered with Societe Generale to offer housing microloans
Notes: LafargeHolcim partnered with Societe Generale to offer housing microloans
Notes: LafargeHolcim partnered with Societe Generale to offer housing microloans
Notes: Limit for foreign currency denominated or foreign currency index mortgage loans
Notes: Limit for foreign currency denominated or foreign currency index mortgage loans
Notes: Limit for foreign currency denominated or foreign currency index mortgage loans
Notes: Limit for foreign currency denominated or foreign currency index mortgage loans
Notes: Limit for foreign currency denominated or foreign currency index mortgage loans
Notes: Limit for foreign currency denominated or foreign currency index mortgage loans
Notes: Limit for foreign currency denominated or foreign currency index mortgage loans
Notes: Limit for foreign currency denominated or foreign currency index mortgage loans
Notes: Modeled ILO estimate
Notes: Modeled ILO estimate
Notes: Modeled ILO estimate
Notes: Modeled ILO estimate
Notes: Modeled ILO estimate
Notes: Modeled ILO estimate
Notes: Modeled ILO estimate
Notes: Modeled ILO estimate
Notes: Modeled ILO estimate
Notes: Modeled ILO estimate
Notes: Modeled ILO estimate
Notes: Modeled ILO estimate
Notes: Modeled ILO estimate
Notes: Modeled ILO estimate
Notes: Modeled ILO estimate
Notes: Modeled ILO estimate
Notes: Modeled ILO estimate
Notes: Modeled ILO estimate
Notes: Modeled ILO estimate
Notes: Modeled ILO estimate
Notes: Modeled ILO estimate
Notes: Modeled ILO estimate
Notes: Modeled ILO estimate
Notes: Modeled ILO estimate
Notes: Modeled ILO estimate
Notes: Modeled ILO estimate
Notes: Modeled ILO estimate
Notes: Modeled ILO estimate
Notes: Mortgage Law of 2005
Notes: Mortgage Law of 2005
Notes: Mortgage Law of 2005
Notes: Mortgage Law of 2005
Notes: Mortgage Law of 2005
Notes: Mortgage Law of 2005
Notes: Mortgage Law of 2005
Notes: Mortgage Law of 2005
Notes: Mortgage Law of 2005
Notes: Mortgage Law of 2005
Notes: Mortgage Law of 2005
Notes: Mortgage Law of 2005
Notes: Mortgage Law of 2005
Notes: Mortgage Law of 2005
Notes: National figure
Notes: National minimum monthly with average of 174 labor hours
Notes: National minimum monthly with average of 174 labor hours
Notes: National minimum monthly with average of 174 labor hours
Notes: National minimum monthly with average of 174 labor hours
Notes: National minimum monthly with average of 174 labor hours
Notes: National minimum monthly with average of 174 labor hours
Notes: National minimum monthly with average of 174 labor hours; weighted average of minimum wage during the year
Notes: National minimum monthly with average of 174 labor hours; weighted average of minimum wage during the year
Notes: National minimum monthly with average of 174 labor hours; weighted average of minimum wage during the year
Notes: National minimum monthly with average of 174 labor hours; weighted average of minimum wage during the year
Notes: National minimum monthly with average of 174 labor hours; weighted average of minimum wage during the year
Notes: National minimum monthly with average of 174 labor hours; weighted average of minimum wage during the year
Notes: National minimum monthly with average of 174 labor hours; weighted average of minimum wage during the year
Notes: National minimum monthly with average of 174 labor hours; weighted average of minimum wage during the year
Notes: National Mortgage Insurance Corporation is owned by the Serbian Government
Notes: National Mortgage Insurance Corporation is owned by the Serbian Government
Notes: National Mortgage Insurance Corporation is owned by the Serbian Government
Notes: National Mortgage Insurance Corporation is owned by the Serbian Government
Notes: National Mortgage Insurance Corporation is owned by the Serbian Government
Notes: National Mortgage Insurance Corporation is owned by the Serbian Government
Notes: National Mortgage Insurance Corporation is owned by the Serbian Government
Notes: National Mortgage Insurance Corporation is owned by the Serbian Government
Notes: National Mortgage Insurance Corporation is owned by the Serbian Government
Notes: National Mortgage Insurance Corporation is owned by the Serbian Government
Notes: National Mortgage Insurance Corporation is owned by the Serbian Government
Notes: National Mortgage Insurance Corporation is owned by the Serbian Government
Notes: National Mortgage Insurance Corporation is owned by the Serbian Government
Notes: National Mortgage Insurance Corporation is owned by the Serbian Government
Notes: National Mortgage Insurance Corporation is owned by the Serbian Government
Notes: NMIC is a public institute of mortgage insurance which covers nearly all mortgages in Serbia.
Notes: NMIC is a public mortgage insurance provider that works with commercial banks
Notes: NMIC is a public mortgage insurance provider that works with commercial banks
Notes: NMIC is a public mortgage insurance provider that works with commercial banks
Notes: NMIC is a public mortgage insurance provider that works with commercial banks
Notes: NMIC is a public mortgage insurance provider that works with commercial banks
Notes: NMIC is a public mortgage insurance provider that works with commercial banks
Notes: NMIC is a public mortgage insurance provider that works with commercial banks
Notes: NMIC is a public mortgage insurance provider that works with commercial banks
Notes: NMIC is a public mortgage insurance provider that works with commercial banks
Notes: NMIC is a public mortgage insurance provider that works with commercial banks
Notes: NMIC is a public mortgage insurance provider that works with commercial banks
Notes: NMIC is a public mortgage insurance provider that works with commercial banks
Notes: NMIC is a public mortgage insurance provider that works with commercial banks
Notes: NMIC is a public mortgage insurance provider that works with commercial banks
Notes: NMIC is a public mortgage insurance provider that works with commercial banks
Notes: Property tax rate ranges between 0.3% to 2%
Notes: Property tax rate ranges between 0.3% to 2%
Notes: Property tax rate ranges between 0.3% to 2%
Notes: Property tax rate ranges between 0.3% to 2%
Notes: Property tax rate ranges between 0.3% to 2%
Notes: Property transfer tax of 2.5%
Notes: Property transfer tax of 2.5%
Notes: Property transfer tax of 2.5%
Notes: Property transfer tax of 2.5%
Notes: Property transfer tax of 2.5%
Notes: Provisional figure
Notes: Rent and subtenancy units; National figure
Notes: Rental income taxed at 20%
Notes: Rental income taxed at 20%
Notes: Serbian government has begun a privatization process of its state-owned banks but Postanska stedionica remains public