Montenegro's Central Bank Keeps Mortgage Rules Tight Into Q1 2026

On 31 March 2026, the Central Bank of Montenegro kept its extra safety rule for banks unchanged at 1%. This rule, raised twice in 2024 because property prices and borrowing were rising fast, forces local banks to hold more money in reserve against every loan they make. In practice, that means mortgages in Montenegro stay harder to get and more expensive: banks are pickier about income and deposit size, and they have less room to compete on rates. The next review is in June 2026 - if the central bank eases the rule then, expect mortgage conditions to loosen heading into the summer buying season. If it holds or raises again, financing stays tight for another quarter.