Housing Finance Policy

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A. Legal and Regulatory Framework

A.1 Legal and Regulatory Framework
VariableEnd of 2018End of 2017End of 2016SourcesVar ID
Basis of the legal system: Civil, Common, Islamic, Other? (Describe)CivilCivilCivilA.1.1
Are there specific laws that deal with mortgages? YesYesYes
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  A.1.3.1
Typical number of days needed for the transfer of title50.550.550.5
WDI
A.1.3.4
Are there legal constraints on mortgage features?NoNoNo
Research
A.1.6
Loan-to-Value capNoNoNo
Bank of Slovenia
A.1.6.2
Payment-to-Income maximumNoNoNo
Bank of Slovenia
A.1.6.3
Is there specialized legislation covering:A.1.9
Issuance of covered mortgage bondsYesYesYesA.1.9.1
B. Housing Finance Subsidies
B.1 Subsidies to Housing Finance Institutions
B.2 Subsidies to Households
VariableEnd of 2018End of 2017End of 2016SourcesVar ID
Are there subsidies to households on housing finance?YesYesYes
Research
B.2.1
Interest rate subsidies by special government fundsYesYesYesB.2.1.1
Subsidies to savings for mortgage loansNoNoNoB.2.1.4
Reach of subsidies in 2.1.1 to 2.1.4 ?B.2.2
C. Taxation
VariableEnd of 2018End of 2017End of 2016SourcesVar ID
What taxes apply to Residential Real Estate?C.1
Tax on property (home-owners) YesYesYes
Global Property Guide
C.1.1
Property transaction taxes (purchase/selling)Yes  C.1.2
Tax on capital gains on property YesYesYes
Global Property Guide
C.1.5
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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