economy
Da li će i kako banke odobravati kredite za nekretnine upisane po „zakonu o legalizaciji“?
Na nekretnine koje budu evidentirane u katastru po novom zakonu o „legalizaciji“ moći će da bude upisana hipoteka, ukoliko imaju urednu tehničku i pravnu dokumentaciju i ispunjavaju urbanističke i građevinske uslove, ocenjuje za Forbes Srbija finansijski konsultant Vladimir Vasić i bivši sekretar Udruženja banaka.
TL;DR
- A new law in Serbia simplifies the process of registering property ownership.
- Registered properties under the new law can potentially have mortgages, provided they meet technical, legal, and urban planning requirements.
- Banks will likely be cautious in the initial phase of the new law, conducting enhanced internal controls and legal checks.
- The true value for banks lies in the property's legal status, technical correctness, compliance with regulations, clear documentation, and market liquidity, not just registration.
- Property owners are advised to fulfill all legal and technical conditions beyond registration to increase their property's value and bank acceptability.
- Banks assess collateral based on clean ownership, documentation quality, legalization status, technical soundness, market value, liquidity, and ease of sale.
- Long-term, differences in valuation between properties registered under the old and new laws should diminish if the new system ensures equal or higher legal security.