# Buying Property > Buying a home starts well before you sign a contract. These guides help you set a budget, understand what you are getting for your money and ask the right questions before deciding. Start with an overview of the process, then explore property documents, mortgages, taxes and the other costs of buying in Serbia. We pay particular attention to first-time buyers and expenses that are easy to leave out of the initial budget. - Web page: https://urbaniagent.rs/en/blog/category/buying-property - Language: English - Other language: https://urbaniagent.rs/blog/kategorija/kupovina-nekretnine.md ## Articles - [What can you buy in Belgrade for €100,000 in 2026?](https://urbaniagent.rs/en/blog/what-can-you-buy-in-belgrade-for-100000-in-2026.md) (2026-08-31): A €100,000 budget in Belgrade can mean around 20 square metres in Vračar, a small apartment in New Belgrade, or 40–50 square metres and more further from the centre. We looked at current listings to compare what the same budget buys across the city. - [They found their family home before it was listed](https://urbaniagent.rs/en/blog/they-found-their-family-home-before-it-was-listed.md) (2026-08-31): Tijana and Luka needed a larger home but did not want to leave Blok 70a. They found the right property before it was publicly listed. - [Buying an apartment under construction in Serbia: what should you check before signing?](https://urbaniagent.rs/en/blog/buying-an-apartment-under-construction-in-serbia-what-should-you-check-before-signing.md) (2026-08-13): Buying an apartment before the building is completed may offer a better price and more choice, but you are purchasing something that still needs to be delivered. Before signing, check the developer, permits, land, project, payment structure, deadlines and what the contract says if things do not go according to plan. - [Is buying a parking space in Belgrade a good investment?](https://urbaniagent.rs/en/blog/is-buying-a-parking-space-in-belgrade-a-good-investment.md) (2026-08-13): A parking space requires considerably less capital than an apartment and can generate regular rental income, but a good location does not automatically mean a good investment. We looked at current asking prices and rents in Belgrade and the numbers behind the purchase. - [Which floor is best when buying an apartment?](https://urbaniagent.rs/en/blog/which-floor-is-best-when-buying-an-apartment.md) (2026-08-13): Ground floor, middle floors or the top floor? Each position has its advantages and disadvantages, and the best choice depends on the lift, natural light, noise, view, building and how you plan to use the apartment. - [Housing loans for young people in Serbia in 2026: requirements, down payment and how much you can borrow](https://urbaniagent.rs/en/blog/housing-loans-for-young-people-in-serbia-in-2026-requirements-down-payment-and-how-much-you-can-borrow.md) (2026-08-13): Serbia's state-supported programme allows eligible young buyers to purchase their first home with a minimum 1% down payment and subsidised interest for the first six years. However, the loan is capped at €100,000 and important eligibility and property restrictions apply. - [Buying your first apartment in Serbia: a step-by-step guide](https://urbaniagent.rs/en/blog/buying-your-first-apartment-in-serbia-a-step-by-step-guide.md) (2026-08-13): From setting your budget and choosing a property to due diligence, the deposit, financing, taxes and receiving the keys — a guide to the entire process of buying your first apartment in Serbia. - [How long does it take to buy an apartment in Serbia from agreement to receiving the keys?](https://urbaniagent.rs/en/blog/how-long-does-it-take-to-buy-an-apartment-in-serbia-from-agreement-to-receiving-the-keys.md) (2026-08-13): Buying an apartment can be completed relatively quickly when the documentation and financing are ready, but it may take considerably longer when a mortgage or more complex legal situation is involved. Here is how the process works from the initial agreement to receiving the keys. - [Buying an apartment with an existing mortgage in Serbia: is it safe and how does it work?](https://urbaniagent.rs/en/blog/buying-an-apartment-with-an-existing-mortgage-in-serbia-is-it-safe-and-how-does-it-work.md) (2026-08-13): An apartment with an existing mortgage can be bought and sold, but agreeing on the price with the owner is not enough. The outstanding debt, bank requirements, payment structure and removal of the existing mortgage all need to be addressed. - [Can you buy an apartment that is not registered in Serbia?](https://urbaniagent.rs/en/blog/can-you-buy-an-apartment-that-is-not-registered-in-serbia.md) (2026-08-13): An unregistered apartment is not automatically impossible to buy. What matters is why it is not registered, how the seller proves their rights and whether there is a realistic path to resolving its cadastral status. - [Registered apartment in Serbia: what does it actually mean and why does it matter?](https://urbaniagent.rs/en/blog/registered-apartment-in-serbia-what-does-it-actually-mean-and-why-does-it-matter.md) (2026-08-13): The phrase “registered apartment” is often treated as proof that everything is in order. In practice, what matters is exactly what is recorded in the cadastre, who owns the property and whether any mortgages, notices or other encumbrances exist. - [What should you check before buying an apartment? 10 things you should not skip](https://urbaniagent.rs/en/blog/what-should-you-check-before-buying-an-apartment-10-things-you-should-not-skip.md) (2026-08-13): A good apartment is not simply one you like. Before paying a deposit or completing the purchase, check the ownership, cadastre records, encumbrances, documentation, condition of the apartment, building and financing. - [Deposit when buying an apartment: how much should you pay and what should you know beforehand?](https://urbaniagent.rs/en/blog/deposit-when-buying-an-apartment-how-much-should-you-pay-and-what-should-you-know-beforehand.md) (2026-08-13): A deposit is one of the first serious commitments when buying an apartment. We explain how much is commonly paid, what happens if the buyer or seller fails to complete the transaction, and what to consider when purchasing with a mortgage. - [VAT refund for your first apartment in Serbia: who qualifies, how much can you claim and how to apply?](https://urbaniagent.rs/en/blog/vat-refund-for-your-first-apartment-in-serbia-who-qualifies-how-much-can-you-claim-and-how-to-apply.md) (2026-08-12): First-time buyers of new-build apartments in Serbia may qualify for a refund of part of the VAT paid. Here is who qualifies, how the eligible area is calculated and how the application process works - [Tax on the transfer of absolute rights when purchasing an apartment: how much is it and who pays it?](https://urbaniagent.rs/en/blog/tax-on-the-transfer-of-absolute-rights-when-purchasing-an-apartment-how-much-is-it-and-who-pays-it.md) (2026-08-12): Are you buying an apartment and unsure whether you need to pay the tax on the transfer of absolute rights? We explain when this tax is payable, the amount, who is liable for the tax, and when a first-time homebuyer can qualify for an exemption. - [From their first apartment to the home they truly wanted!](https://urbaniagent.rs/en/blog/from-their-first-apartment-to-the-home-they-truly-wanted.md) (2026-08-11): Igor and Jelena needed to sell their first apartment while buying a new one. Once they found the right home, the buyers, sellers and deadlines all had to be aligned. - [Mistakes that can cost you your first-home VAT refund](https://urbaniagent.rs/en/blog/mistakes-that-can-cost-you-your-first-home-vat-refund.md) (2026-08-04): A VAT refund can significantly reduce the cost of buying your first home. However, incorrect assumptions and incomplete documents may jeopardise your eligibility. - [Are apartment prices inflated, and will they fall?](https://urbaniagent.rs/en/blog/are-apartment-prices-inflated-and-will-they-fall.md) (2026-08-03): What matters most is whether a property’s price reflects its location, condition and current demand. --- Contact: Urbani Agent · +381642420492 · info@urbaniagent.rs · Omladinskih brigada 90v, Novi Beograd