Cash loans

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Description

A cash loan allows disposal of cash and simple financing of your needs and desires.

Special offer: 5.70% fixed interest rate for all repayment periods and loan amounts.

Benefits

No application processing fee
High loan amounts without insurance instruments
Quick and simple realization
Use m-zaba to monitor your repayment schedule and the number of remaining instalments

Conditions and prices

Conditions

Any natural person who meets the requirements of creditworthiness of Zagrebačka banka can be a borrower. The borrower must not be older than 72 years at the maturity date of the last annuity.
The client status is not required.

Prices

Loan amount:

from HRK 10,000 to 300,000
from EUR 1,500 to 40,000

Repayment period from 13 to 120 months.

No application processing fee.

Special offer for loans with loan protection insurance in the event of unwanted and unforeseeable life situations:

5.70% fixed interest rate for loans in EUR
5.95% fixed interest rate for loans in HRK

We can offer you loans without insurance instruments as well:

6.70% fixed interest rate for loans in EUR
7.25% fixed interest rate for loans in HRK

Documents

Frequently asked questions

Arrangement

What is creditworthiness?

Creditworthiness check is determining a client’s credit rating, or the possibility for the client to obtain a loan and repay it with interests within the period stipulated in the Loan Agreement.

Can I arrange a cash loan during my maternity leave?

If you are employed, you can arrange cash loans even during your maternity leave.

Do I need to arrange any kind of loan collateral for a cash loan?

Instruments of insurance do not need to be arranged with cash loans. We can offer you loans with loan repayment insurance as well. In this way, you get security in settling your loan obligations in the case of unpredicted situations such as sickness, unemployment or death of a loan user.

In both cases, a debenture and the Seizure Consent of the Debtor will be required.

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What does it mean if I choose a fixed interest rate?

Fixed interest rate does not change during the repayment of loan, regardless of market conditions. Once you arrange a loan with a fixed interest rate, you know exactly how much you will pay.

What is intercalary interest?

Intercalary interest is interest that is calculated and charged on the amount of a granted loan from the date when the loan is granted until the start of loan repayment. It is usually calculated according to the rate and method used for regular interest.

For example: if the loan was granted on 10 August, intercalary interest is calculated from 10 August until 31 August. From 1 September, regular interest is calculated.

Description

Education is always a smart investment. That's why we offer various loans:

a student loan to finance tuition fees and education
a loan to cover living costs during your studies,
loans for other forms of education – driving school, foreign language classes, seminars, courses, private kindergartens, etc.

Check if your county, city or university subsidizes the interest rate.

Benefits of student loans

Loan repayment after graduation
The possibility of delaying payment of the first instalment of the loan up to 12 months after graduation
The possibility of financing living expenses during studies both in Croatia and abroad
The possibility of increasing the loan amount for buying specialized literature
Special amenities in collaboration with partners

Benefits of other education loans

a broad variety of education financing options
optional coverage of the cost of education abroad (conferences, courses)
loan payout directly to the educational institution based on a quote, a pro forma invoice, or an invoice
the loan may be increased to cover the cost of books
possibility of a grace period of up to 6 months

Conditions and prices

Conditions

Any natural person who meets the requirements of creditworthiness of Zagrebačka banka can be a borrower (this can also refer to the users parents or a third party).

Student loans may be granted to students of all undergraduate, graduate and postgraduate studies in the country and abroad as well as for other types of education.

Student loan to finance tuition fees and education
Loan amount with a currency clause: from 200 to 20.000 EUR
Loan amount in HRK: from 1.500 to 150.000 HRK
Loan repayment period: 13 to 120 months
A loan to cover living costs during your studies:
Loan amount with a currency clause: from 70 to 700 EUR
Loan amount in HRK: from 500 to 5.000 HRK
Loan repayment period: 13 to 120 months
Other education loans
Loan amount with a currency clause: from 200 to 20.000 EUR
Loan amount in HRK: from 1.500 to 150.000 HRK
Loan repayment period: 13 to 120 months

Prices

Annual interest rate:

Student loan to finance tuition fees and education: from 3.90% annually, variable
Student loan to finance living expenses: from 4.10% annually, variable
Other education loans: from 3.90% annually, variable

Loan application processing fee: 1% of the loan amount, max. HRK 400

Users of the Paket za mlade do not pay the fee.

Documents

Frequently asked questions

Arrangement

Can I obtain education loan as a part-time student?

Yes.

In what way is the loan for the financing of education abroad paid out?

For the purpose of financing the cost of education abroad, the funds can be paid out to the current account of the end user.

Do I need to be creditworthy to arrange a student loan?

If your parents (or a third party) are creditworthy, they can act as your co-debtors. In this case, you do not need to be creditworthy.
It is good to know that, in determining the creditworthiness of students, we apply more favourable criteria than usual.

What can I use my student loan for?

If you are a student, you can use a student loan to pay for your tuition, both in Croatia and abroad. You can also cover living costs during your studies, for example, if you no longer live with your parents.

You can also use it for other forms of education, such as driving school, foreign language classes, retraining programmes, various seminars and conferences, as well as private school tuition for your child.

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What if I quit my studies?

If you quit your studies, you need to start with the loan repayment.

When and how do I return education loan?

You can start repaying the loan after you complete your studies, and you can use an additional year of grace. Or you can start repaying the loan right away, while studying.

Is there a situation when it is not possible to delay the start of repayment of an education loan?

Grace period cannot be arranged if, at the time of loan approval, the borrower is employed.
Furthermore, if studies were interrupted or student status was lost during the period in which the loan was being used, it will not possible to delay the start of loan repayment.

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Zagrebačka banka will process the personal data entered in the form below for the purpose of arranging a meeting in one of its branches and will keep them for 30 days. If you are a client of Zagrebačka banka, we suggest that you enter your OIB, so the banker could prepare the best financial offers based on the available data.
Read more in the Information on Personal Data Processing.

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The displayed results on the basis of the data you have entered can be used for informational purposes only and are not binding to the Bank regarding the provision of banking services. The calculation is displayed in accordance with the General Terms and Conditions, and the Bank reserves the right to amend the provisions of that document. The Bank makes a decision on the provision of banking services in accordance with the conditions defined in the General Terms and Conditions, based on the assessment of creditworthiness.
Due to the specifics of the non-resident client status, please arrange an appointment with your banker in the Centre for Non-Residents to get additional information about the offer.

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Description

Benefits

Conditions and prices

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Frequently asked questions

Description

Benefits of student loans

Benefits of other education loans

Conditions and prices

Documents

Frequently asked questions

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