Representative example: For loans with a currency clause in HRK in the amount of HRK 500,000, fixed interest rate of 2.95% in the first five years of loan repayment and variable interest rate of 2.95% (6M NRS1 for HRK (0.52 p.p.) + 2.43 p.p.) during the remaining repayment period, with a repayment period of 20 years (240 monthly instalments), repayment in annuities with included costs of property fire insurance premium and the loan user's accident insurance premium, the effective interest rate is 3.90%. The monthly annuity in the first repayment period is HRK 2,760.50 and HRK 2,750.50 in the second period. The total amount to be repaid by the client is HRK 724,561.57.