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Europe and Central Asia

Housing Finance Policy

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A. Legal and Regulatory Framework
- A.1 Legal and Regulatory Framework
B. Housing Finance Subsidies
- B.1 Subsidies to Housing Finance Institutions
- B.2 Subsidies to Households
C. Taxation

A. Legal and Regulatory Framework

A.1 Legal and Regulatory Framework

Variable	End of 2018	End of 2017	End of 2016	Sources	Var ID
Basis of the legal system: Civil, Common, Islamic, Other? (Describe)	Civil	Civil	Civil	University of Ottawa	A.1.1
Are there specific laws that deal with mortgages?	Yes	Yes	Yes	Law on Property Act	A.1.2
Registration/Transfer of titles:					A.1.3
Does the law clearly define different types of property rights?	Yes			CMS Legal	A.1.3.1
Typical number of days needed for the transfer of title	50.5	50.5	50.5	WDI	A.1.3.4
Are there legal constraints on mortgage features?	No	No	No	Research	A.1.6
Loan-to-Value cap	No	No	No	Bank of Slovenia	A.1.6.2
Payment-to-Income maximum	No	No	No	Bank of Slovenia	A.1.6.3
Is there specialized legislation covering:					A.1.9
Issuance of covered mortgage bonds	Yes	Yes	Yes	ECBC	A.1.9.1

B. Housing Finance Subsidies

B.1 Subsidies to Housing Finance Institutions

B.2 Subsidies to Households

Variable	End of 2018	End of 2017	End of 2016	Sources	Var ID
Are there subsidies to households on housing finance?	Yes	Yes	Yes	Research	B.2.1
Interest rate subsidies by special government funds	Yes	Yes	Yes	OECD	B.2.1.1
Subsidies to savings for mortgage loans	No	No	No	Tenancy Law and Housing Policy in Slovenia	B.2.1.4
Reach of subsidies in 2.1.1 to 2.1.4 ?					B.2.2

C. Taxation

Variable	End of 2018	End of 2017	End of 2016	Sources	Var ID
What taxes apply to Residential Real Estate?					C.1
Tax on property (home-owners)	Yes	Yes	Yes	Global Property Guide	C.1.1
Property transaction taxes (purchase/selling)	Yes			Deloitte	C.1.2
Tax on capital gains on property	Yes	Yes	Yes	Global Property Guide	C.1.5

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