HR
Housing loans
Check if you qualify for a loan. Quick and easy. Informative calculation.
For clients
of all banks
Fixed interest
rate
Numerous
benefits
Select
Type of interest rate
Effective interest rate %
Interest
Total repayment amount
A housing loan is the solution for your new home - whether you are buying an apartment, building a house or renovating the real estate
- fixed interest rate for the entire repayment period
- without the cost of a real estate valuation from a ZANE appraiser (green loan and housing loan for young people)
- the loan amount can be increased up to 5% (max. of EUR 7,000) for the purpose of recovering the expenses for the realization of the loan (the justification of the purpose must be proven with appropriate documentation).
- special conditions for clients up to 45 years of age for financing the first residential real estate up to EUR 450,000
- the same interest rate for existing and new clients.
Who can contract a HOUSING loan?
Citizens residing in the Republic of Croatia or the EU who:
- are creditworthy
- properly settle their obligations.
How to get a HOUSING loan?
- Check the terms of the loan with the selected type, amount and repayment period and schedule a video meeting or a meeting in the branch office.
- You will get the confirmation of the meeting date by e-mail, and in the meantime you should collect the necessary documentation for loan processing
- After submitting the application, the Bank approves the loan if all the necessary conditions are met.
- After submitting the certified agreement and notarial statements, contracting mandatory insurance policies and registering a lien on the real estate in favor of the Bank, the conditions for loan disbursement have been met.
A more favourable interest rate and no cost of real estate valuation until the end of 2023 for a green loan (A and A+ energy class), a housing loan for young people up to 45 years of age and housing loan with life insurance credit protection