{"id":2076,"date":"2025-05-14T11:47:21","date_gmt":"2025-05-14T09:47:21","guid":{"rendered":"https:\/\/nekretninenikolic.com\/in-2025-the-government-of-the-republic-of-serbia-launched-a-program-of-subsidized-housing-loans-aimed-at-young-people-with-the-aim-of-facilitating-the-purchase-of-their-first-property-this-program\/"},"modified":"2026-01-12T11:49:13","modified_gmt":"2026-01-12T10:49:13","slug":"in-2025-the-government-of-the-republic-of-serbia-launched-a-program-of-subsidized-housing-loans-aimed-at-young-people-with-the-aim-of-facilitating-the-purchase-of-their-first-property-this-program","status":"publish","type":"post","link":"https:\/\/nekretninenikolic.com\/en\/in-2025-the-government-of-the-republic-of-serbia-launched-a-program-of-subsidized-housing-loans-aimed-at-young-people-with-the-aim-of-facilitating-the-purchase-of-their-first-property-this-program\/","title":{"rendered":"Subsidized housing loan for young people"},"content":{"rendered":"\n<p>A minimum down payment of 1% and a lower fixed interest rate for the first 6 years, and in addition, you can be approved for a loan without visiting the bank<\/p>\n\n<h3 class=\"wp-block-heading\">\u2705 Who can apply?<\/h3>\n\n<p>The following can apply for a subsidized housing loan:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Citizens of the Republic of Serbia residing in Serbia<\/li>\n\n\n\n<li>Persons aged 20 to 35 (until the day before turning 36)<\/li>\n\n\n\n<li>Persons who do not own real estate<\/li>\n\n\n\n<li>Permanent or fixed-term employees, entrepreneurs, farmers, independent artists, as well as the unemployed with a creditworthy family guarantor  <\/li>\n<\/ul>\n\n<h3 class=\"wp-block-heading\">\ud83d\udcb6 Loan terms<\/h3>\n\n<ul class=\"wp-block-list\">\n<li><strong>Maximum loan amount:<\/strong> 100,000 euros in dinar equivalent<\/li>\n\n\n\n<li><strong>Minimum participation:<\/strong> 1% of the real estate value<\/li>\n\n\n\n<li><strong>Interest rate:<\/strong>\n<ul class=\"wp-block-list\">\n<li>First 6 years: fixed interest rate of 1.5% per annum (thanks to a government subsidy of 2 percentage points)<\/li>\n\n\n\n<li>After 6 years: variable interest (3M\/6M EURIBOR + 2.0%)  <\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Repayment period:<\/strong> up to 40 years<\/li>\n\n\n\n<li><strong>Grace period:<\/strong> up to 12 months (at the user&#8217;s request)<\/li>\n\n\n\n<li><strong>Early repayment option:<\/strong> allowed without charge<\/li>\n<\/ul>\n\n<h3 class=\"wp-block-heading\">\ud83c\udfe1 Additional information<\/h3>\n\n<ul class=\"wp-block-list\">\n<li>The price of the property is not limited, but the maximum loan amount is 100,000 euros<\/li>\n\n\n\n<li>The property must be intended for housing (apartment, house, part of a residential building, garage or garage space, land with a building permit for the construction of a house); cottages are not considered residential real estate  <\/li>\n<\/ul>\n\n<h3 class=\"wp-block-heading\">\ud83d\udcdd Required documentation<\/h3>\n\n<p>Documentation varies depending on the applicant&#8217;s status:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Employees:<\/strong> confirmation of employment and amount of income, turnover per account for the last 6 months, last 3 payslips<\/li>\n\n\n\n<li><strong>Unemployed:<\/strong> a certificate from the National Employment Service that the person is not employed<\/li>\n\n\n\n<li><strong>Students:<\/strong> certificate of regular studies<\/li>\n\n\n\n<li><strong>Farmers:<\/strong> statement from the Treasury, turnover per account in the last 6 months<\/li>\n\n\n\n<li><strong>Entrepreneurs and independent artists:<\/strong> tax solution, turnover per account for the last 6 months  <\/li>\n<\/ul>\n\n<h3 class=\"wp-block-heading\">\ud83c\udfe6 Participating banks<\/h3>\n\n<p>The program of subsidized housing loans for young people is implemented by numerous banks in Serbia<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Postal savings bank<\/li>\n\n\n\n<li>Banca Intesa<\/li>\n\n\n\n<li>OTP Bank<\/li>\n\n\n\n<li>UniCredit Bank<\/li>\n\n\n\n<li>NLB Commercial Bank<\/li>\n<\/ul>\n\n<p>Each bank may have additional conditions and procedures, so it is recommended to contact the selected bank directly for detailed information.<\/p>\n\n<p>For more information and a detailed guide through the program, you can visit the official website of the Ministry of Finance of the Republic of Serbia: <a href=\"https:\/\/www.mfin.gov.rs\/sr\/usluge-1\/program-stambenih-kredita-za-mlade-20-najeih-pitanja-i-odgovora-1?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noreferrer noopener\">Serbia Finance Ministry<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>A minimum down payment of 1% and a lower fixed interest rate for the first 6 years, and in addition, you can be approved for a loan without visiting the bank \u2705 Who can apply? The following can apply for a subsidized housing loan: \ud83d\udcb6 Loan terms \ud83c\udfe1 Additional information \ud83d\udcdd Required documentation Documentation varies [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":2548,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[28],"tags":[],"class_list":["post-2076","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/nekretninenikolic.com\/en\/wp-json\/wp\/v2\/posts\/2076","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/nekretninenikolic.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/nekretninenikolic.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/nekretninenikolic.com\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/nekretninenikolic.com\/en\/wp-json\/wp\/v2\/comments?post=2076"}],"version-history":[{"count":3,"href":"https:\/\/nekretninenikolic.com\/en\/wp-json\/wp\/v2\/posts\/2076\/revisions"}],"predecessor-version":[{"id":2552,"href":"https:\/\/nekretninenikolic.com\/en\/wp-json\/wp\/v2\/posts\/2076\/revisions\/2552"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/nekretninenikolic.com\/en\/wp-json\/wp\/v2\/media\/2548"}],"wp:attachment":[{"href":"https:\/\/nekretninenikolic.com\/en\/wp-json\/wp\/v2\/media?parent=2076"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/nekretninenikolic.com\/en\/wp-json\/wp\/v2\/categories?post=2076"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/nekretninenikolic.com\/en\/wp-json\/wp\/v2\/tags?post=2076"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}