How long does "Registering a Mortgage in the Real Estate Cadastre" take?

The estimated duration is 1–3 weeks. Actual timing depends on how complete your documentation is and the workload of the competent authority.

How much does mortgage registration cost?

The estimated cost is From €20 + notary €15. Takse i naknade za upis ugovora o hipoteci (tabela Uprave za nekretnine, jul 2026, i katalog ePlaćanja). U polje „Poziv na broj odobrenja“ upisuje se izvorni broj predmeta (UZZ broj, URP...). Plaćanje karticom na eplacanje.gov.me, bez provizije: izaberite instituciju „Uprava za nekretnine“, odaberite taksu ili naknadu, upišite „Poziv na broj odobrenja“ (PBO) kako je navedeno u tabeli Uprave, dodajte stavku (najviše 20 po plaćanju), unesite podatke platioca i idite na plaćanje.

What documents are needed for mortgage registration?

Required documents: Mortgage contract (certified), Property sheet, Application for implementing a change (registration), Proof of tax and fee payment, ID card / passport.

Who do I contact for mortgage registration?

Bank / Creditor — Mortgage creditor, party to the mortgage contract. Notary — Certification of the contract or notarial deed; electronic submission of the application. Real Estate Administration — regional unit — Registration of the mortgage in the cadastre.

What are the steps for mortgage registration?

The procedure consists of 4 steps: Mortgage contract, Paying the tax and fee, Submitting the application for registration, Decision and registration of the mortgage.

Cadastre

Registering a Mortgage in the Real Estate Cadastre

How a mortgage (e.g. for a housing loan) is created and registered in the cadastre: the mortgage contract, the application to the Real Estate Administration, taxes and fee, deadlines and priority.

1–3 weeksFrom €20 + notary €154 steps

Checked against official sources: October 2026

A mortgage is created by a contract, a court decision or by law, and arises only when entered in the cadastre (article 10 of the Law on Mortgage). The contract must be in writing and certified by the competent authority (article 11). It states the parties, the secured claim, the property (sheet number, parcel, cadastral municipality), the due date and the way of settlement, and the date. For a whole co-owned property all co-owners must consent (article 5); a co-owner may alone encumber only their ideal share. A mortgage cannot arise from a will (article 10).

Responsible: Bank / Creditor and property owner

Deadline: As agreed with the bank

Documents:

Mortgage contract (certified)
Property sheet

Note: If the contract is a private document, the signatures must be certified (article 87, paragraph 3) and the contract must contain an express consent to registration (intabulation clause, article 88). A notarial deed with that clause is registered in the simplified procedure (article 120).

All Procedures

Registering a Mortgage in the Real Estate Cadastre

1Mortgage contract