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North Macedonia tightens housing loan rules and cuts repayment terms to 25 yearsNorth Macedonia's central bank is shortening the maximum maturity for housing loans from 30 to 25 years and tightening debt-service limits starting 1 December…North Macedonia's central bank is shortening the maximum maturity for housing loans from 30 to 25 years and tightening debt-service limits starting 1 December 2026, while preserving easier terms for first-time homebuyers.