Slovakia is set to adjust its mortgage regulations in two phases, beginning in July and continuing into the autumn. Starting in July, an increase in the minimum living standard will likely make it more difficult for some applicants to qualify for a mortgage. Conversely, upcoming autumn changes aim to facilitate homeownership for young people by allowing them to borrow larger sums. Simultaneously, banks will face restrictions on lending to individuals already holding two or more mortgages, curbing further borrowing. These adjustments reflect a broader strategy to balance housing affordability with financial stability, addressing both first-time and repeat homebuyers. The changes are intended to cool the market for multiple property owners while supporting younger generations entering the housing market.