As the end of the year approaches, the temporary cap on interest rates for housing loans is set to expire, and experts predict that borrowers will pay more, regardless of whether a new law is enacted to limit rates. Monthly payments on a €50,000 loan could rise by €40 to €50, according to Nova newspaper.
Borrowers have begun receiving notifications from banks indicating that interest rates will change starting January 1. This adjustment is due to the expiration of the temporary interest rate cap implemented by the National Bank of Serbia (NBS), with no indications that this measure will be extended.
While NBS Governor Jorgovanka Tabaković has announced plans for a new law to establish permanent interest rate limits, its implementation currently suggests higher monthly payments by several tens of euros.
Currently, interest rates are capped at 4.08%, with the NBS proposing an increase to 5.0% by the end of 2026.
