Montenegro Home Mortgage Finance Market Size & Share Analysis - Growth Trends & Forecasts (2025 - 2030)

The Montenegro Home Mortgage Finance Market is segmented by application (home purchase, refinance, home improvement, and others), providers (banks, housing finance companies, and real estate agents), and interest rate (fixed rate mortgage loan and adjustable rate mortgage loan). The report offers market size and forecasts for Montenegro Home Mortgage Finance Market in value (USD billion) for all the above segments.

Montenegro Home Mortgage Finance Market Size & Share Analysis - Growth Trends & Forecasts (2025 - 2030)

Montenegro Home Mortgage Finance Market Size

Montenegro Home Mortgage Finance Market Summary
Study Period 2020 - 2030
Base Year For Estimation 2024
Forecast Data Period 2025 - 2030
Historical Data Period 2020 - 2023
CAGR 8.00 %
Market Concentration Medium

Major Players

Montenegro Home Mortgage Finance Market Major Players

*Disclaimer: Major Players sorted in no particular order

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Montenegro Home Mortgage Finance Market Analysis

The Montenegro Home Mortgage Finance Market is expected to register a CAGR of greater than 8% during the forecast period.

The outbreak of the COVID-19 pandemic harmed the financial services sector. The individuals' debt and wealth levels became very bad. For individual homeowners, mortgage debt is the single largest source of debt. It includes the greatest effect on their finances and ability to stay solvent through wage decreases or wage losses.

For lenders, mortgages are typically the most significant asset on their retail banking book. It results in changes in originations, repayment schedules, and default rates, significantly impacting their profitability and liquidity.

When buying a property in Montenegro, arranging a mortgage can become an issue for some people, and acquiring a loan for real estate from non-residents takes work. However, the rise in the need to streamline housing lending services and increased disposable income to purchase housing is expected to grow this market during the forecasted period.

The country comprises a stable currency, low real estate tax rates, and the opportunity to obtain residence through property purchase and citizenship through investment. The Montenegro housing mortgage finance market is a popular place for investment for many people.

Montenegro Home Mortgage Finance Industry Overview

The Montenegro Home Mortgage Finance Market is a consolidated market with five large companies dominating the market, with about 80% of bank lending as residential mortgages. the Major Players are Erste Bank Montenegro, Lovćen Bank, First Bank, Crnogorska Komercijalna Banka, and Ziraat Bank Montenegro

Montenegro Home Mortgage Finance Market Leaders

  1. Erste Bank Montenegro

  2. Lovćen Bank

  3. First Bank

  4. Crnogorska Komercijalna Banka

  5. Ziraat Bank Montenegro

  6. *Disclaimer: Major Players sorted in no particular order
Montenegro Home Mortgage Finance Market Concentration
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Montenegro Home Mortgage Finance Market News

  • October 2022: Montenegro's Erste Bank Podgorica acquired 100% of the capital of S-Leasing Podgorica from the founders of the leasing company, Vienna-based Erste Group Immorent International Holding and Graz-based Steiermaerkische Bank und Sparkassen.
  • February 2022: The European Bank for Reconstruction and Development (EBRD) launched a EUR 4 million ( USD 4.5 million) credit line to Montenegro's Lovcen Banka to support the competitiveness of local small and medium-sized enterprises (SMEs). The credit line will support the post-pandemic recovery of Montenegro's economy and strengthen its resilience in the medium and long term. The EBRD said in a statement earlier this week.

Montenegro Home Mortgage Finance Market Report - Table of Contents

1. INTRODUCTION

  • 1.1 Study Assumptions and Market Definition
  • 1.2 Scope of the Study

2. RESEARCH METHODOLOGY

3. EXECUTIVE SUMMARY

4. MARKET DYNAMICS AND INSIGHTS

  • 4.1 Market Overview
  • 4.2 Market Drivers
  • 4.3 Market Restraints
  • 4.4 Porter's Five Forces Analysis
    • 4.4.1 Bargaining Power of Suppliers
    • 4.4.2 Bargaining Power of Buyers/Consumers
    • 4.4.3 Threat of New Entrants
    • 4.4.4 Threat of Substitute Products
    • 4.4.5 Intensity of Competitive Rivalry
  • 4.5 Impact of COVID-19 on the Market
  • 4.6 Technological Advancements

5. MARKET SEGMENTATION

  • 5.1 By Application
    • 5.1.1 Home Purchase
    • 5.1.2 Refinance
    • 5.1.3 Home Improvement
    • 5.1.4 Others
  • 5.2 By Providers
    • 5.2.1 Banks
    • 5.2.2 Housing Finance Companies
    • 5.2.3 Real Estate Agents
  • 5.3 By Interest Rate
    • 5.3.1 Fixed Rate Mortgage Loan
    • 5.3.2 Adjustable Rate Mortgage Loan

6. COMPETITIVE LANDSCAPE

  • 6.1 Market Concentration Overview
  • 6.2 Company Profiles
    • 6.2.1 Erste Bank Montenegro
    • 6.2.2 Lovćen Bank
    • 6.2.3 First Bank
    • 6.2.4 Crnogorska Komercijalna Banka
    • 6.2.5 Ziraat Bank Montenegro*
  • *List Not Exhaustive

7. MARKET OPPORTUNITIES AND FUTURE TRENDS

8. DISCLAIMER AND ABOUT US

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Montenegro Home Mortgage Finance Industry Segmentation

Housing Finance is a lending service that offers the end users money to purchase new properties such as a home or land. It helps individuals and businesses purchase these housing properties without giving the full buying price. The person borrowing this money repays the loan amount and interest up to the specified years. The Montenegro Home Mortgage Finance Market is segmented by application (home purchase, refinance, home improvement, and others), providers (banks, housing finance companies, and real estate agents), and interest rate (fixed rate mortgage loan and adjustable rate mortgage loan). The report offers market size and forecasts for Montenegro Home Mortgage Finance Market in value (USD billion) for all the above segments.

By Application Home Purchase
Refinance
Home Improvement
Others
By Providers Banks
Housing Finance Companies
Real Estate Agents
By Interest Rate Fixed Rate Mortgage Loan
Adjustable Rate Mortgage Loan
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Montenegro Home Mortgage Finance Market Research FAQs

What is the current Montenegro Home Mortgage Finance Market size?

The Montenegro Home Mortgage Finance Market is projected to register a CAGR of greater than 8% during the forecast period (2025-2030)

Who are the key players in Montenegro Home Mortgage Finance Market?

Erste Bank Montenegro, Lovćen Bank, First Bank, Crnogorska Komercijalna Banka and Ziraat Bank Montenegro are the major companies operating in the Montenegro Home Mortgage Finance Market.

What years does this Montenegro Home Mortgage Finance Market cover?

The report covers the Montenegro Home Mortgage Finance Market historical market size for years: 2020, 2021, 2022, 2023 and 2024. The report also forecasts the Montenegro Home Mortgage Finance Market size for years: 2025, 2026, 2027, 2028, 2029 and 2030.

Montenegro Home Mortgage Finance Industry Report

Statistics for the 2025 Montenegro Home Mortgage Finance market share, size and revenue growth rate, created by Mordor Intelligence™ Industry Reports. Montenegro Home Mortgage Finance analysis includes a market forecast outlook for 2025 to 2030 and historical overview. Get a sample of this industry analysis as a free report PDF download.