# Kaza.rs

> Kaza.rs is a Serbian real-estate data platform. It offers a free instant property valuation, cadastre-based legal-status checks, building/street/city directories backed by official open data (RGZ cadastre, RZS census, JRC flood risk, WorldPop), a directory of 1,300+ licensed agencies, and trilingual (Serbian/English/Russian) guides on buying, selling, renting, financing and the taxes of real estate in Serbia. Figures in the guides are sourced from official Serbian institutions and dated.

## Tools

- [Procena vrednosti nekretnine (free valuation)](https://www.kaza.rs/procena): Free instant property valuation by address — estimated sale value and monthly rent for a specific flat, from cadastre data + market prices. English: /en/valuation, Russian: /ru/otsenka.
- [Kalkulator kredita (mortgage calculator)](https://www.kaza.rs/kalkulator-kredita): Mortgage calculator with Serbian purchase costs, the youth-subsidy program, amortization schedule and rent-vs-buy. English: /en/mortgage-calculator, Russian: /ru/kalkulyator-ipoteki.
- [Provera hipoteke (lien check)](https://www.kaza.rs/provera-hipoteke): Free check whether a specific flat or building carries a mortgage (hipoteka), usufruct or prohibition — per-address legal status from the RGZ cadastre, aggregate counts + per-unit flags, never owner names. Serbian only.
- [Prodaja bez agencije (sell without an agency)](https://www.kaza.rs/prodaja-bez-agencije): How to sell a property yourself in Serbia — free listing with no commission, a commission-savings calculator (agencies typically charge 2–4% per side), the cadastre-verified listing badge, and the legal/tax basics (notary, 2.5% transfer tax). Serbian only.
- [Tržište nekretnina (market data)](https://www.kaza.rs/trziste): Serbian real-estate market data — RGZ realized prices for Belgrade/Novi Sad/Niš/Kragujevac, cadastre housing stock + census demographics per city, and a real-estate-vs-stocks/gold investment comparison.

## Guides (trilingual: Serbian / English / Russian)

- [Buying property in Serbia — foreigner's guide](https://www.kaza.rs/en/agencije-za-promet-nekretnina/saveti/buying-property-in-serbia): Who can buy, reciprocity, the process, taxes, residence, what to check before signing.
- [Cost of buying property in Serbia](https://www.kaza.rs/en/agencije-za-promet-nekretnina/saveti/cost-of-buying-property-in-serbia): Every tax and fee with a worked example — 2.5% transfer tax vs 10% VAT, notary, agency commission, lawyer, cadastre registration; plus annual property tax (up to 0.4%) and rental income tax (~15% effective) after purchase.
- [Buying a new build (novogradnja)](https://www.kaza.rs/agencije-za-promet-nekretnina/saveti/kupovina-novogradnje): Permits, vetting the developer, VAT and the refund, off-plan risks.
- [Property transfer tax (porez na prenos)](https://www.kaza.rs/agencije-za-promet-nekretnina/saveti/porez-na-prenos-apsolutnih-prava): The 2.5% transfer tax vs 10% VAT on new builds, who pays, the first-home exemption (40 m² + 15 m²/member).
- [Property tax — annual (porez na imovinu)](https://www.kaza.rs/agencije-za-promet-nekretnina/saveti/porez-na-imovinu): The annual ownership tax — up to 0.4%, how the base is set, reductions, the 4 quarterly deadlines (14 Feb/May/Aug/Nov), collected by the local LPA (not PURS).
- [Renting out a flat — landlord guide (izdavanje)](https://www.kaza.rs/agencije-za-promet-nekretnina/saveti/izdavanje-stana): Prep, pricing, tenant screening, the student-rental season.
- [The lease, deposit and rental tax (ugovor o zakupu)](https://www.kaza.rs/agencije-za-promet-nekretnina/saveti/ugovor-o-zakupu-stana): What the lease must contain, the deposit, and the rental income tax (20% on gross minus 25% standardized costs ≈ 15% effective), PP OPO filing.
- [Renting a flat as a student — tenant guide (najam za studente)](https://www.kaza.rs/agencije-za-promet-nekretnina/saveti/najam-stana-za-studente): The renter's side — when/where to search (Jul–Sep peak in Belgrade/Novi Sad/Niš/Kragujevac), checking the rent is realistic, verifying the flat is registered before paying, common rental scams and how to avoid them, the lease, deposit return, and residence registration (prijava boravišta). A tenant pays no rental tax (that is the landlord's).
- [Mortgage in Serbia (stambeni kredit)](https://www.kaza.rs/agencije-za-promet-nekretnina/saveti/stambeni-kredit-u-srbiji): Bank requirements, down payment, real costs, the youth-subsidy program, and whether a foreigner can get a mortgage.
- [Checking a property in the cadastre (provera nekretnine)](https://www.kaza.rs/agencije-za-promet-nekretnina/saveti/provera-nekretnine-u-katastru): Owner, area, encumbrances (mortgage, usufruct, prohibition) and what to verify before buying.
- [How a valuation is calculated (procena vrednosti)](https://www.kaza.rs/agencije-za-promet-nekretnina/saveti/procena-vrednosti-nekretnine): What drives price, how automated valuation works.
- ["Svoj na svome" — legalization & registration](https://www.kaza.rs/agencije-za-promet-nekretnina/saveti/svoj-na-svome): The legalization/registration program, deadlines, cost, how to check cadastre status.
- [Real-estate agency licence (licenca agencije)](https://www.kaza.rs/agencije-za-promet-nekretnina/saveti/licenca-agencije-za-nekretnine): What a licence means, how to check an agency is registered.
- [How to sell a flat (kako prodati stan)](https://www.kaza.rs/agencije-za-promet-nekretnina/saveti/kako-prodati-stan): Pricing, preparing, the sale process.
- [Agency commissions (provizije)](https://www.kaza.rs/agencije-za-promet-nekretnina/saveti/provizije-agencija): How commissions work and who pays.
- [Contract with an agency (ugovor sa agencijom)](https://www.kaza.rs/agencije-za-promet-nekretnina/saveti/ugovor-sa-agencijom): What to watch for in a brokerage contract.
- [Inflation & your mortgage](https://www.kaza.rs/agencije-za-promet-nekretnina/saveti/inflacija-i-stambeni-kredit): Why a fixed payment gets lighter over time.
- [All guides (hub)](https://www.kaza.rs/agencije-za-promet-nekretnina/saveti): Index of every guide.

## Data & directories

- [Building & street directories](https://www.kaza.rs/grad/beograd): Cadastre-backed building and street directories for 120+ Serbian cities (e.g. /grad/novi-sad, /grad/nis) — apartment counts, legal status (% lien-free), parcel/KO, population, flood risk per address.
- [Agency directory](https://www.kaza.rs/agencije-za-promet-nekretnina): 1,300+ Serbian real-estate agencies with Google ratings, registry data and licensing status; filterable by city.
- [Interactive map](https://www.kaza.rs/map): Property map with OSM building footprints and cadastre overlays.

## Notes

- Guides are informational, not legal or tax advice; tax facts are web-verified for 2026 and cite the responsible institution (PURS for transfer/rental tax; the local LPA for the annual property tax; RGZ for the cadastre).
- Languages: Serbian is the default; /en/ and /ru/ prefixes serve English and Russian for tools and guides.
- Website: https://www.kaza.rs