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HR
The effective interest rate (EIR) is an interest rate which reflects all costs of a loan. It is equal to the nominal interest rate and increased by all other loan costs (fees, insurance, deposit and other directly related costs). The EIR serves for consumers to compare loan offers of different banks because it represents the total cost of a loan.
Housing loan for the youth
Zaba offers reduced interest rates from 17.2. until 30.4.2026. with which you can more easily solve your housing issue or refinance an existing housing loan from another bank.
- combined interest rate: The interest rate is fixed for the first seven years and amounts to 2.79%, then variable in the amount of 2.79%, and consists of: 0.64% (fixed part of the interest rate) + 6M EURIBOR (variable part of the interest rate valid on 2. 2. 2026 is 2.154%) (EIR 3.10%)*
- fixed interest rate: 3.29%, annually, fixed for the entire repayment period (EIR 3.61%)**
- no cost for one property appraisal from ZANE
- you can request an informative offer through your m-zaba, without going to a branch. Check in m-zaba under Products / Housing Loan
* Effective interest rate (EIR) calculated for a loan in the amount of EUR 100,000, with a repayment period of 360 months, a combined interest rate (the interest rate is fixed for the first seven years and amounts to 2.79%, and thereafter variable in the amount of 2.79%, and consists of: 0.64% (fixed part of the interest rate) + 6M EURIBOR (variable part of the interest rate valid on 2. 2. 2026 is 2.154%) with the cost of the real estate fire insurance premium and the loan user insurance policy against the consequences of an accident and maintaining a current account for one month and the annuity repayment.
** Effective interest rate (EIR) calculated for a loan in the amount of EUR 100,000, with a repayment period of 360 months, a fixed interest rate of 3.29%, with the costs of real estate fire insurance premium and the loan user insurance policy against the consequences of an accident and maintaining a current account for one month and annuity repayment.
Housing loans for the youth are intended for helping the youth under 45 years of age finance their first residential property.
For loans arranged with a property as a loan security instrument (insurance), the property should be adequately appraised by an appraiser authorised for appraisals in accordance with current regulations of the Republic of Croatia. A market value appraisal study must include at least the elements specified in the document Important elements of a property value appraisal study (listed as part of the documentation accompanying this product).
Benefits
- The cost of property appraisal by Zane agency is borne by Zagrebačka banka.
- The possibility of arranging a grace period (moratorium) during parental leave.
- Use m-zaba to monitor the repayment and number of remaining loan instalments.
Arrangement
Property valuation is the process determining the market value of certain real estate property. Property valuation is required when granting all loans that prescribe pledge transfer of ownership rights on a property as the security instrument (mortgage).
Creditworthiness check is determining a client’s credit rating, or the possibility for the client to obtain a loan and repay it with interest within the period stipulated in the Loan Agreement.
A fire insurance policy is a required collateral home loan which brings many benefits in the event of adverse event. Check out our offer of other property insurance. Find more here.
Use
The loan user can choose the due date of the annuity/installment in the period from the 1st to the 27th of the month.
Yes, the early repayment of the loan or an increased payment is possible at any time during the loan repayment free of charge.
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, and loan repayment is agreed on the 1st of the month, intercalary interest is calculated from 10 August until 31 August.