Косово has one of the highest property ownership rates in Europe. According to ASK's 2024 "Ownership status of house and dwelling" подаци, 95.0% of households in Косово are the legal owners of the house they live in (or are in the process of obtaining a legal title deed).
. The rate of those paying rent at тржиште rate (tenants or subtenants) remained at a very marginal level of only 1.7%.
. This proves that the need for housing is solved by direct property acquisition rather than renting.
The most striking подаци to be examined in terms of real estate инвестиција is the use of mortgages. While the rate of people owning a house by paying a mortgage was 4.7% in 2018
, this ratio has gradually melted over the years; It decreased to 2.7% in 2020 and 0.0% in 2024
. This sharp statistics shows that the culture of buying a house with a bank loan is not established in the Косово real estate тржиште or that the long-term housing financing conditions offered by banks are not preferred by the consumer.
In light of the uploaded ASK подаци, construction and real estate developers need to consider two key issues when approaching the Косово тржиште:
This necessitates construction companies developing housing in Косово to produce their own financing solutions. Projects in the тржиште are generally based on the Косово diaspora (Kosovars living abroad), which has high cash purchasing power, or on flexible installment могућности offered by the contractor company (promissory note, phased payment, etc.). Therefore, a company that will invest in construction in Косово will have a competitive advantage if it has a strong strategy regarding non-bank financing and collection models.