Housing loan

Conditions

• A natural person (existing and new client), resident, who meets the Bank creditworthiness requirements (optional co-borrowing).
• Loan amount: up to EUR 700,000*
• Housing loans without collateral up to EUR 50,000**
• Loan repayment period: from 5 up to 30 years***

_{* The loan amount depends on the client's business relationship and the assessment of their credit risk.
** The amount of the loan without collateral can be a maximum of EUR 50,000, and for amounts from EUR 40,000 to a maximum of EUR 50,000, it is necessary that the client receives income on an account opened with the Zagrebačka banka for more than 12 months continuously, while meeting the internal rules of Zagrebačka banka for assessing creditworthiness.
*** Loan repayment period from 10 up to 30 years for housing loan with mandatory life insurance contract loan repayment (CPI)}

Prices

• Combined interest rate: The interest rate is fixed for the first five years and amounts to 3.09%, then variable in the amount of 3.09%, and consists of: 0.56% (fixed part of the interest rate) + 6M EURIBOR (variable part of the interest rate valid on 30.3. 2026 is 2.529%)*
• Interest rate: 3.49 %**
• Interest rate: 3.29 % fixed for the entire repayment period (with loan repayment life insurance)***
• Interest rate: 3.69 % fixed for the total repayment period with the purpose of construction, completion, extension, reconstruction with the future value of the property****

_{* Typical example: For a loan in the amount of EUR 100,000, with a combined interest rate (fixed for five years at 3.09% per year, and thereafter variable at 3.09% per year, consisting of: 0,56% (fixed part of the interest rate) + 6M EURIBOR (variable part of the interest rate valid on 30.3.2026 is 2.529%), repayment period of 20 years (240 monthly annuities), repayment in annuities including the of real estate fire insurance premium and the loan user insurance policy against the consequences of an accident, the cost of real estate appraisal and maintaining a current account for one month, the effective interest rate is 3.40%. The monthly annuity for five years is EUR 559.12, thereafter it is EUR 559.12, and the total amount that the client needs to pay is EUR 137,355.64.}

_{** Typical example: For a loan in the amount of EUR 100,000, a fixed interest rate of 3.49% for the entire loan repayment period, a repayment period of 20 years, 240 monthly annuities, repayment in annuities including the costs of real estate fire insurance premiums and the loan user insurance policy against the consequences of an accident, cost of the real estate appraisal and maintaining a current account, the effective interest rate is 3.81%. The monthly annuity is EUR 579.46. The total amount that the client needs to pay is EUR 142,267.85.}

_{*** Typical example: For loans in the amount of EUR 100,000, fixed interest rate of 3.29 % for the entire loan repayment period, with a repayment period of 20 years, 240 monthly annuities, repayment in annuities including the costs of real estate fire insurance premiums and credit protection life insurance (CPI), cost of the real estate appraisal and maintaining a current account, the effective interest rate is 4.22 %. The monthly annuity in the first repayment period is EUR 569.24. The total amount to be repaid by the client is EUR 139.798,88.}

_{**** Typical example: For loans in the amount of EUR 100,000, fixed interest rate of 3,69 % for the entire loan repayment period, with a repayment period of 20 years, 240 monthly annuities, repayment in annuities including the costs of real estate fire insurance premium and the loan user insurance policy against the consequences of an accident, cost of the real estate appraisal and maintaining a current account, the effective interest rate is 4,10 %. The monthly annuity in the first repayment period is EUR 589.80. The total amount to be repaid by the client is EUR 146,215.35.}