APN state-subsidised
housing loan

1. loan application and document collection;
2. appraisal of the property;
3. if the required conditions are met, the bank approves the loan;
4. submission of the Subsidised Loan Application;
5. if APN approves the Subsidised Loan Application, the client signs the Loan Agreement;
6. payment of loan amount.

• housing loan approval form;
• subsidized loan application;
• property statement according to the level of development of the municipality;
• copy of the ID card;
• original or a certified copy of the preliminary agreement or agreement on purchase of an apartment/house for which the loan approval is requested;
• copy of the land registry excerpt;
• for purchase: a copy of the occupancy document of the building in which the apartment or house is located, energy certificate;
• for construction/extension/completion/reconstruction of a house: a copy of the building document and a copy of the bill of quantities based on the main or detailed project, which shows the building costs;
• notarized statement that the applicant does not own an apartment or a house, or that they own an apartment or a house to be sold in order to purchase a larger apartment or a house or construct a larger house for the purpose of living there, or that the apartment or house is not suitable for living;
• documents proving creditworthiness;
• certificate by the Croatian Institute of Public Health on entry in the Croatian Register of Persons with Disabilities;
• copy of the birth certificate for a minor child.

The Bank may also request other documents as necessary.