The IMF recommends stricter rules for investment flats and easier access to loans for first time buyers.
The National Bank of Slovakia (NBS), the country’s central bank, has long been warning about the worsening affordability of housing in Slovakia. This is the result of continuously rising property prices, which real wages have failed to keep pace with.
Housing loans and building loans to Slovak households reached €49.4 billion at the end of March 2026, up from €48.8 billion at the end of January. Building loans accounted for €2.14 billion of the March total.
The biggest players in housing loans and building loans at the end of March 2026 were Slovenská Sporiteľňa with 24.50 percent, VÚB with 18.86 percent, Tatra banka with 15.62 percent, ČSOB with 14.57 percent and Prima banka with 10.74 percent.
Source: NBS
