Mar 31, 2026 · 10:30 AMFINANCEREGULATION

CBCG holds its 1% buffer. Why tight lending protects your resale

On 31 March the central bank kept its extra reserve requirement for banks at 1%, the rule it raised twice in 2024 when prices and borrowing were running hot.

Boring news. Useful signal.

This is a market where buyers mostly pay cash and banks are forced to stay conservative. That caps how fast prices can climb, and how hard they can fall. A market that can't over-borrow can't over-crash.

I sell property here, so easier credit would suit me short-term. It would suit nobody who already owns.

What I'd watch: the first cut to that buffer. That's the central bank telling you it thinks the heat is out of the market.

More market signals

All Montenegro market insights

My market notes

This is the kind of signal I send subscribers first.

Price moves, new launches, policy shifts - before they hit the portals. One short email, twice a month.

Prefer to talk? Book a 15-min call with Ana.