Under the Housing Act, it is also possible to take out a loan against the reserve fund. Credit can only be taken against all co-owners of the property, even if some of them do not need it. According to the administrator's explanation, an individual owner cannot pay the cost of renovation on a co-ownership property to the extent of the ideal share, as provided for in Article 68 of the Civil Code.
The legislator is forcing owners who do not need credit to buy something (in this case credit) that they do not need. This imposes an additional unnecessary cost on these homeowners, which reduces their financial capacity. I ask those responsible, is it constitutionally permissible in the country of Slovenia to force a free citizen to buy something he does not need?
I suggest that the state solves the problem by allowing homeowners who cannot afford the large one-off cost to take out a loan on more favourable terms. It should not, however, force other homeowners to solve the financial problem of their neighbour in the property.