If you need a higher amount of cash for any purpose whatsoever, for a longer repayment period (up to as much as 20 years), and you own a high-quality property that is suitable for establishing a pledge, we can offer you a mortgage loan.
A mortgage loan is a long-term loan granted by the Bank to natural persons, and it is specific in that mortgage on immovable property is used as a security instrument.
Benefits
The possibility of full early repayment of the loan without paying the fee
If the value of the property is insufficient, other security instruments may be chosen
Annuity maturity date on the first day of the month with a period of tolerance until the 15th day of the month
Conditions
Any natural person who meets the requirements of creditworthiness of the Bank can be a borrower.
Loan amount: from HRK 180,000 to 1,100,000
Repayment period: from 5 to 20 years
Prices
Interest rate: 4.70%, annualy, variable
Typical example: For a loan in HRK, a variable interest rate of 4.62% (6M NRS1 for HRK (0.23%) + 4.39%), a repayment period of 15 years (180 monthly instalments), repayment in annuities with the cost of appraisal of the property included, property fire insurance, the loan user’s personal accident insurance and current account operating fee, the effective interest rate for a housing loan in the amount of HRK 700,000 is 5.00%. A monthly annuity is HRK 5.397.99. The total amount to be repaid by the client is HRK 990,643.35.
Arrangement
Why are you requesting a Declaration of seizure of income (and a standing order) from me, if you have my property anyway?
It is common practice that the Bank, in case of non-payment of the loan, attempts to collect payment fromliquid assets of the borrower first, and then through a property (which is in most cases also in the interest of the borrower).
Is a client required to be solvent to obtain a loan?
Yes, the client is required to be solvent (creditworthy) in order to obtain and repay a loan.
What is solvency?
Solvency is defined as the ability of the client to obtain a loan and repay it, with interest, within the term stipulated in the loan agreement.
What types of loan collateral are necessary for the realization of the mortgage loan?
Loan collateral types are a lien (mortgage) over the property in a minimum ratio of 1:1,5, with a fire insurance policy with a loss payable clause in the favour of the Bank and the borrower’s accident insurance policy. If the value of the property is not high enough, deposit can be a collateral. A debenture and the Seizure Consent of the Debtor will be required for all participants entering into a loan relationship.
What does the loan to real estate ratio of 1:1.5 mean?
This means that the value of the property must be 1.5 times as high as the amount of loan being approved.
Use
Who is a mortgage loan intended for?
It is intended for anyone who can offer a property as a loan repayment security instrument.
What are the benefits of a mortgage loan?
no need to prove the purpose of the loan
higher loan amount compared to a cash loan
the possibility of financing personal projects for which there is no offer among specific purpose loans
the possibility to obtain a loan without guarantors or deposits
Does the purpose of the loan need to be justified?
The advantage of a mortgage loan is that its purpose does not need to be justified.
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Kolačići koji se koriste:
JSESSIONID - čuva stanje sesija kroz zahtjeve za stranicama
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Parent_alive - kolačić sesije poslužitelja
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Option_set – čuva vrijednost za pokazivanje cookie bara
Zaba_performance- čuva posjetiteljev pristanak za bolje performance
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Kolačići koji se koriste:
ZABGN - postavke naslovnice ovisno o tome je li korisnik građanin ili pravna osoba
ZABRM - kolačić s vrijednošću korisnikovog web preglednika zbog boljih performansi
Marketinški kolačići
Ovi kolačići služe kao pomoć pri tumačenju internetskih aktivnosti korisnika te u svrhu marketinških aktivnosti, poput oglašavanja i remarketinga.
Kolačići koji se koriste:
1P_JAR - prikuplja statistiku web stranice i prati stopu konverzije Google.com/google.hr
CONSENT - postavke kolačića - google.com
DV - Google ad personalizacija - google.com
NID - Google ad personalizacija - google.com
IDE- Koristi se za prepoznavanje preglednika za oglašavanje i praćenje izvedbe i postavki. Google.com/ DoubleClick
ga - Google Universal Analytics postavlja jedinstveni ID koji se koristi za izračunavanje podataka za analitička izvješća
gid - koristi se za razlikovanje korisnika jednog od drugog.
Anj - Anj kolačić sadrži podatke koji označavaju da li se ID kolačića sinkronizira s našim partnerima. ID sinkronizacija omogućuje našim partnerima korištenje svojih podataka izvan platforme na platformi.
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Facebook - prati konverzije FB oglasa, optimizira oglase, gradi ciljanu publiku i radi remarketing
HotJar - prikuplja informacija o ponašanju korisnika i njihovim uređajima
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