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 
    back to top | Country Data:
    Notes: Mortgage Bond and Municipal Bond Act
    Notes: Mortgage Bond and Municipal Bond Act
    Notes: Mortgage Bond and Municipal Bond Act
    Notes: Mortgage Bond and Municipal Bond Act
    Notes: % of households
    Notes: % of households
    Notes: % of households
    Notes: % of households
    Notes: % of households
    Notes: % of households
    Notes: % of households
    Notes: % of households
    Notes: % of households
    Notes: % of households
    Notes: % of households
    Notes: % of households
    Notes: % of households
    Notes: % of households
    Notes: % of households
    Notes: % of households
    Notes: % of households
    Notes: % of households
    Notes: % of households
    Notes: % of households
    Notes: % of households
    Notes: % of households
    Notes: % of households
    Notes: % of households
    Notes: % of households
    Notes: % of households
    Notes: % of households
    Notes: % of households
    Notes: % of households
    Notes: % of households
    Notes: % of households
    Notes: % of households
    Notes: % of households
    Notes: % of households
    Notes: % of households
    Notes: % of households
    Notes: % of households
    Notes: % of households
    Notes: % of households
    Notes: % of households
    Notes: % of households
    Notes: % of households
    Notes: % of households
    Notes: % of households
    Notes: % of households
    Notes: % of households
    Notes: % of households
    Notes: % of households
    Notes: % of new loans tied to Swiss franc LIBOR
    Notes: % of new loans tied to Swiss franc LIBOR
    Notes: % of new loans tied to Swiss franc LIBOR
    Notes: % of new loans tied to Swiss franc LIBOR
    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: 2010=100
    Notes: 2010=100
    Notes: 2010=100
    Notes: 2010=100
    Notes: 2010=100
    Notes: 2010=100
    Notes: 2010=100
    Notes: 2010=100
    Notes: Average rate on new 10-year fixed rate housing loans
    Notes: Average rate on new 10-year fixed rate housing loans
    Notes: Average rate on new 10-year fixed rate housing loans
    Notes: Average rate on new 10-year fixed rate housing loans
    Notes: Average rate on new 10-year fixed rate housing loans
    Notes: Average rate on new 10-year fixed rate housing loans
    Notes: Average rate on new 10-year fixed rate housing loans
    Notes: Average rate on new 10-year fixed rate housing loans
    Notes: Average rate on new 10-year fixed rate housing loans
    Notes: Average rate on new 10-year fixed rate housing loans
    Notes: Average rate on new 10-year fixed rate housing loans
    Notes: Average rate on new floating rate or 1 year fixed rate housing loans
    Notes: Average rate on new floating rate or 1 year fixed rate housing loans
    Notes: Average rate on new floating rate or 1 year fixed rate housing loans
    Notes: Average rate on new floating rate or 1 year fixed rate housing loans
    Notes: Average rate on new floating rate or 1 year fixed rate housing loans
    Notes: Average rate on new floating rate or 1 year fixed rate housing loans
    Notes: Average rate on new floating rate or 1 year fixed rate housing loans
    Notes: Average rate on new floating rate or 1 year fixed rate housing loans
    Notes: Average rate on new floating rate or 1 year fixed rate housing loans
    Notes: Average rate on new floating rate or 1 year fixed rate housing loans
    Notes: Average rate on new floating rate or 1 year fixed rate housing loans
    Notes: Average useful floor size
    Notes: Average useful floor size
    Notes: Average useful floor size
    Notes: Does not include National Housing Fund loans
    Notes: Does not include National Housing Fund loans
    Notes: Does not include National Housing Fund loans
    Notes: Does not include National Housing Fund loans
    Notes: Does not include National Housing Fund loans
    Notes: Does not include National Housing Fund loans
    Notes: Does not include National Housing Fund loans
    Notes: Does not include National Housing Fund loans
    Notes: Does not include National Housing Fund loans
    Notes: Does not include National Housing Fund loans
    Notes: Does not include National Housing Fund loans
    Notes: Does not include National Housing Fund loans
    Notes: Does not include National Housing Fund loans
    Notes: Does not include National Housing Fund loans
    Notes: Does not include National Housing Fund loans
    Notes: Does not include National Housing Fund loans
    Notes: Does not include National Housing Fund loans
    Notes: Does not include National Housing Fund loans
    Notes: Does not include National Housing Fund loans
    Notes: Does not include National Housing Fund loans
    Notes: Does not include National Housing Fund loans
    Notes: Does not include National Housing Fund loans
    Notes: Does not include National Housing Fund loans
    Notes: Does not include National Housing Fund loans
    Notes: Does not include National Housing Fund loans
    Notes: Does not include National Housing Fund loans
    Notes: Does not include National Housing Fund loans
    Notes: Does not include National Housing Fund loans
    Notes: Does not include National Housing Fund loans
    Notes: Does not include National Housing Fund loans
    Notes: Does not include National Housing Fund loans
    Notes: Does not include National Housing Fund loans
    Notes: Does not include National Housing Fund loans
    Notes: Does not include National Housing Fund loans
    Notes: Does not include National Housing Fund loans
    Notes: Does not include National Housing Fund loans
    Notes: Does not include National Housing Fund loans
    Notes: Does not include National Housing Fund loans
    Notes: Does not include National Housing Fund loans
    Notes: Does not include National Housing Fund loans
    Notes: Does not include National Housing Fund loans
    Notes: Does not include National Housing Fund loans
    Notes: Does not include National Housing Fund loans
    Notes: Does not include National Housing Fund loans
    Notes: DTSI cap between 0 and 67%
    Notes: DTSI cap between 0 and 67%
    Notes: Funding directly from the government via National Housing Fund
    Notes: Funding directly from the government via National Housing Fund
    Notes: Funding directly from the government via National Housing Fund
    Notes: Funding directly from the government via National Housing Fund
    Notes: Funding directly from the government via National Housing Fund
    Notes: Funding directly from the government via National Housing Fund
    Notes: Funding directly from the government via National Housing Fund
    Notes: Funding directly from the government via National Housing Fund
    Notes: Funding directly from the government via National Housing Fund
    Notes: Funding directly from the government via National Housing Fund
    Notes: Funding directly from the government via National Housing Fund
    Notes: Funding directly from the government via National Housing Fund
    Notes: Funding directly from the government via National Housing Fund
    Notes: Funding directly from the government via National Housing Fund
    Notes: Funding directly from the government via National Housing Fund
    Notes: Funding directly from the government via National Housing Fund
    Notes: Funding directly from the government via National Housing Fund
    Notes: Funding directly from the government via National Housing Fund
    Notes: Funding directly from the government via National Housing Fund
    Notes: Funding directly from the government via National Housing Fund
    Notes: Funding directly from the government via National Housing Fund
    Notes: Funding directly from the government via National Housing Fund
    Notes: Funding directly from the government via National Housing Fund
    Notes: Funding directly from the government via National Housing Fund
    Notes: Funding directly from the government via National Housing Fund
    Notes: Funding directly from the government via National Housing Fund
    Notes: Funding directly from the government via National Housing Fund
    Notes: Funding directly from the government via National Housing Fund
    Notes: Government of Slovenia ownership of NLB has declined to 25% after privatization efforts
    Notes: Government of Slovenia takes 100% ownership of NLB
    Notes: In 2016, Bank of Slovenia issued macroprudential regulation on housing loans
    Notes: In August 2016, Bank of Slovenia introduced macroprudential recommendation of DTSI cap ranging between 0 and 67%
    Notes: In August 2016, Bank of Slovenia introduced macroprudential recommendation of LTV cap at 80%
    Notes: Mortgage Bond and Municipal Bond Act
    Notes: Mortgage Bond and Municipal Bond Act
    Notes: Mortgage Bond and Municipal Bond Act
    Notes: National figure
    Notes: National figure
    Notes: National figure
    Notes: National figure
    Notes: National figure
    Notes: National figure
    Notes: National figure
    Notes: National figure
    Notes: National figure
    Notes: National Housing Fund provides loans with more favorable interest rates
    Notes: National Housing Fund provides loans with more favorable interest rates
    Notes: National Housing Fund provides loans with more favorable interest rates
    Notes: National Housing Fund provides loans with more favorable interest rates
    Notes: National Housing Fund provides loans with more favorable interest rates
    Notes: National Housing Fund provides loans with more favorable interest rates
    Notes: National Housing Fund provides loans with more favorable interest rates
    Notes: National Housing Fund provides loans with more favorable interest rates
    Notes: National Housing Fund provides loans with more favorable interest rates
    Notes: National Housing Fund provides loans with more favorable interest rates
    Notes: National Housing Fund provides loans with more favorable interest rates
    Notes: National Housing Fund provides loans with more favorable interest rates
    Notes: National Housing Fund provides loans with more favorable interest rates
    Notes: National Housing Fund provides loans with more favorable interest rates
    Notes: National Housing Fund provides loans with more favorable interest rates
    Notes: National Housing Fund provides loans with more favorable interest rates
    Notes: National Housing Fund provides loans with more favorable interest rates
    Notes: National Housing Fund provides loans with more favorable interest rates
    Notes: National Housing Fund provides loans with more favorable interest rates
    Notes: National Housing Fund provides loans with more favorable interest rates
    Notes: National Housing Fund provides loans with more favorable interest rates
    Notes: National Housing Fund provides loans with more favorable interest rates
    Notes: National Housing Fund provides loans with more favorable interest rates
    Notes: National Housing Fund provides loans with more favorable interest rates
    Notes: National Housing Fund provides loans with more favorable interest rates
    Notes: National Housing Fund provides loans with more favorable interest rates
    Notes: National Housing Fund provides loans with more favorable interest rates
    Notes: National Housing Fund provides loans with more favorable interest rates
    Notes: National Housing Savings Scheme
    Notes: National Housing Savings Scheme
    Notes: National Housing Savings Scheme
    Notes: National Housing Savings Scheme
    Notes: National Housing Savings Scheme
    Notes: National Housing Savings Scheme
    Notes: National Housing Savings Scheme
    Notes: National Housing Savings Scheme
    Notes: National Housing Savings Scheme
    Notes: National Housing Savings Scheme
    Notes: National Housing Savings Scheme
    Notes: National Housing Savings Scheme
    Notes: National Housing Savings Scheme
    Notes: National Housing Savings Scheme was abolished in 2012
    Notes: Net Domestic Credit
    Notes: New loans only
    Notes: New loans only
    Notes: New loans only
    Notes: New loans only
    Notes: New loans only
    Notes: New loans only
    Notes: New loans only
    Notes: New loans only
    Notes: No securitization of residential mortgages
    Notes: No securitization of residential mortgages
    Notes: Property tax rate ranges from 0.10% to 1%
    Notes: Rate ranges from 0% to 25% depending on the holding period
    Notes: Rate ranges from 0% to 25% depending on the holding period
    Notes: Rate ranges from 0% to 25% depending on the holding period
    Notes: Rate ranges from 0% to 25% depending on the holding period
    Notes: Rate ranges from 0% to 25% depending on the holding period
    Notes: Registered banks, certain licensed lenders, consumer credit providers, and select public funds may access the Central Credit Register
    Notes: Registered banks, certain licensed lenders, consumer credit providers, and select public funds may access the Central Credit Register
    Notes: Registered banks, certain licensed lenders, consumer credit providers, and select public funds may access the Central Credit Register
    Notes: State-owned bank NLB is established
    Notes: There are only strong recommendations by the Bank of Slovenia introduced in 2016
    Notes: There are only strong recommendations by the Bank of Slovenia introduced in 2016
    Notes: There are only strong recommendations by the Bank of Slovenia introduced in 2016
    Notes: There are only strong recommendations by the Bank of Slovenia introduced in 2016
    Notes: There are only strong recommendations by the Bank of Slovenia introduced in 2016
    Notes: There are only strong recommendations by the Bank of Slovenia introduced in 2016
    Notes: Transfer tax of 2% on real estate not subject to VAT
    Notes: Typical DTSI of 20-30% on new housing loans
    Notes: Typical DTSI of 20-30% on new housing loans
    Notes: Typical DTSI of 30-40% on new housing loans