Read our advice on owning and renting properties below.

1. Buying a property
Buying a property is a step that we usually take only once in a lifetime. Therefore, a good preparation guarantees success and satisfaction.  
Consider the following: in which neighbourhood you see yourself in the future, what are the main characteristics of the property you want to buy (number of rooms, the orientation of the property, floor, energy class, etc.), and how much money you will be able to set aside for a property. It is important to get information on tax liabilities and possible tax reliefs, as well as on legal aspects of the sales contract.
If you want to make sure that a property is legally and otherwise inspected, and if you are unable to explore the market on your own, you can hire a real estate agency. Inform the agent about your wishes and ideas in detail, but remain open to solutions that are not entirely in line with what you imagined. You never know, you might be pleasantly surprised!
In addition, our financial solutions will make the entire process easier for you. Enter some basic information and we will suggest several ways of financing.

2. Adaptation
From the start you have a vision about how amazing this cramped dilapidated house could actually look and you know that it would be worth engaging in renovation works  because something like this you could not find anywhere else, let alone in such a good location... This is your home and you want to stay in it, but it could use a good facelift (and more than that), and you may also need an extra room or a better layout...
You can get all this by using Zagrebačka banka home loans because they are aimed at all your wishes, needs and plans.
You can choose and customize everything according to your objective capacities  choose a home loan  in HRK or with a currency clause in EUR, think about whether you prefer repayment in equal monthly annuities over annuities that are higher at first, and reduce over the repayment period, while you save significant funds on the total interest you pay. 
If you are expanding a structure that is already constructed or constructing an annex, a home loan for the construction of an annex is granted. 
When a structure is partially built, to a certain degree of completion, a loan for completion will bring it to completion.

3. Taking care of home and savings
Did you know that approximately 40% of the worlds total energy is spent on heating and cooling of residential and business facilities? It is precisely this sector where the biggest improvements are possible in terms of energy efficiency, which has led to the development of technologies that can achieve excellent results in the construction industry nowadays. Today it is possible to reduce energy consumption at home even by 60 percent by replacing joinery, building a thermal façade, installing an adequate heating system, truss or solar collectors.

You should also bear in mind that with a 10% to 20% higher investment you can achieve a low-energy or even passive construction standard.
Savings are achieved by taking care of the maintenance of your home. With home accident insurance you reduce costs at the moment when an adverse event happens. Zaba and Allianz offer several solutions
Zaba users of Lepeza Packages have access to Servis Centar which, among other things, provides emergency plumber, locksmith, glazier and electrician services.

Zagrebačka banka will process the personal data entered in the form below for the purpose of arranging a meeting in one of its branches and will keep them for 30 days. If you are a client of Zagrebačka banka, we suggest that you enter your OIB, so the banker could prepare the best financial offers based on the available data.
Read more in the Information on Personal Data Processing.

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Postavke kolačića

Tehnički kolačići (neophodni)

Performansni kolačići (neobavezni)

Marketinški kolačići (neobavezni)

Tehnički kolačićiUvijek aktivni

Ovi kolačići su neophodni za funkcioniranje web stranice i ne mogu se isključiti u našem sustavu. Obično se postavljaju samo kao reakcija na vašu radnju koja predstavlja zahtjev za uslugom, kao što je postavljanje vaših postavki privatnosti, prijavljivanje ili popunjavanje obrazaca.

Kolačići koji se koriste:

JSESSIONID - čuva stanje sesija kroz zahtjeve za stranicama

PD_STATEFUL - kolačići sigurnosti sesije Server session security cookies

PD_SESSION-ID - jdinstveni Unique server session security cookie

PWSESSIONID – kolačić sesije poslužitelja

Parent_alive - kolačić sesije poslužitelja

Gtm_tracking - čuva korisnikov pristanak na praćenje

Option_set – čuva vrijednost za pokazivanje cookie bara

Zaba_performance- čuva posjetiteljev pristanak za bolje performance

Performansni kolačići

Ovi kolačići omogućuju nam da računamo posjete i izvore prometa, kako bismo mogli izmjeriti i poboljšati performanse naših stranica. Oni nam pomažu da znamo koje su podstranice najpopularnije ili najmanje posjećene, te kako se posjetitelji ponašaju po web stranici. Sve informacije koje ovi kolačići prikupljaju su agregirani a time i anonimizirani. Ako spriječite te kolačiće, nećemo znati kada ste posjetili našu web stranicu.

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

CONSENT - postavke kolačića -

DV - Google ad personalizacija -

NID - Google ad personalizacija -

IDE- Koristi se za prepoznavanje preglednika za oglašavanje i praćenje izvedbe i postavki. 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.

uuid2 - Ovaj kolačić sadrži jedinstvenu, slučajno generiranu vrijednost koja Platformu omogućuje razlikovanje preglednika i uređaja.

Sess - Kolačić sesije sadrži jednu ne-jedinstvenu vrijednost: "1". Platforma se koristi za testiranje je li preglednik konfiguriran za prihvaćanje kolačića iz aplikacije AppNexus.

Icu - Kolačić se koristi za odabir oglasa i ograničavanje broja prikaza određenog oglasa. Sadrži informacije poput broja prikaza oglasa, nedavnog prikazivanja oglasa ili broja prikazanih oglasa

Uid - jedinstveni identifikator

cid - Cookie id (legacy) – jedinstveni identifikator

Facebook - prati konverzije FB oglasa, optimizira oglase, gradi ciljanu publiku i radi remarketing

HotJar - prikuplja informacija o ponašanju korisnika i njihovim uređajima