* Clients who are contracting m-zaba for the first time or who have not contracted m-zaba in the last 12 months are exempt from paying the fee for contracting/activating and using m-zaba during the first 3 months of use. Visually impaired and blind people do not pay a fee for contracting/activating and using m-zaba.
1Representative example: With a fixed annual interest rate of 4.99%, a repayment period of 84 months, annuity repayments including one month's euro current account maintenance fee and credit payment protection insurance (CPI), and no loan processing fee, the Annual Percentage Rate of Charge (APRC) for a EUR 10,000 loan is 6.45%. The monthly annuity amounts to EUR 141.30, and the total amount payable by the client is EUR 12,331.53.
2Issuing an indicative offer confirms that, on the date of issuance, the client meets the prerequisites for submitting a housing loan application with Zagrebačka banka. Approval of a housing loan based on the issued offer may only be granted with the mutual agreement of Zagrebačka banka d.d. and the applicant, provided that the applicant supplements the loan application with the required documentation and collateral instruments in accordance with the Bank's lending conditions applicable at the time of approval.
Representative example of a housing loan secured by real estate: For a loan amount of EUR 100,000, with a combined interest rate (fixed for the first seven years at 2.79% per annum and variable thereafter at 2.79% per annum), consisting of a fixed component of 0.64% plus the 6M EURIBOR (the variable component applicable on 2 February 2026, amounting to 2.154%), a repayment term of 30 years (360 monthly annuities), annuity repayments including property insurance against fire, borrower accident insurance, and one month's euro current account maintenance fee, the APRC is 3.10%. The monthly annuity for the first seven years is EUR 410.37, thereafter EUR 410.37, and the total amount payable by the client is EUR 152,925.32.
Representative example of a housing loan secured by real estate: For a loan amount of EUR 100,000, with a fixed interest rate of 3.29%, a repayment term of 30 years (360 monthly annuities), annuity repayments including property insurance against fire, borrower accident insurance, and one month's euro current account maintenance fee, the APRC is 3.61%. The monthly annuity amounts to EUR 437.41. The total amount payable by the client is EUR 162,714.90.
3Representative example: With a fixed annual interest rate of 6.79%, a repayment term of 36 instalments, and no loan processing fee, the effective interest rate for an approved revolving credit amount of EUR 700 is 7.02%. Monthly instalments range from EUR 19.55 to EUR 23.48, and the total amount payable is EUR 773.37.
4Transactions eligible for instalment conversion are specially marked in m-zaba. Eligible transaction amounts range from EUR 30 to EUR 300, with a fee of EUR 1.32 per instalment.
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