hipoteka

1. (of property) mortgage
   Banka je upisala hipoteku na naš stan. — The bank registered a mortgage on our flat.
   Kuća je još uvek pod hipotekom. — The house is still mortgaged.
2. formal (figuratively) burden; liability
   Stari dugovi su teška hipoteka za novu vladu. — Old debts are a heavy burden for the new government.

The home loan itself is usually called «stambeni kredit» in Serbia; «hipoteka» is the lien on the property.