Purchase of a new vehicle

New or used, diesel or petrol engine - it is easier to get a vehicle if you have the information about the most important elements of this significant decision. Buying a new four-wheeled friend often causes headache instead of the expected satisfaction, especially when we analyse many options, which are lager in number than it seems at first glance. We are here to make this decision easier for you.

1. Before the purchase
Think about what you expect from a new vehicle, what are the main reasons for the purchase and what are the needs it has to meet. The answers to these fundamental questions will eliminate most of the dilemmas. For example, for some people priorities are driving characteristics, or a quality stiff suspension, steering wheel and switchgear, for some it is spaciousness, for some consumption, and of course there is always the price as one of the most important criteria. The Internet abounds with websites with reviews and comparisons of vehicle models, and a quality online search guided by ones own desires and preferences is the best way to start choosing an ideal vehicle.
What follows is seeing vehicles at car dealerships, talking to car dealers and a test drive. What is common to most new vehicles, in line with the increasing awareness of environmental issues, is the trend of reducing the consumption and emissions of CO2, which also lowers the cost of vehicles (for cars with lower CO2 emissions, you pay lower excise taxes, lower insurance costs, etc.).
The choice between diesel and petrol engines is the second biggest dilemma for all drivers. Even though, for example, diesel engines consume less, they are more expensive in relation to the initial price and maintenance. A simple calculation of annual mileage compared to the difference in prices of vehicles can bring you closer to the optimal choice.

2. What is the most favourable way to a chosen vehicle
After seemingly the hardest decision and choosing the vehicle of your dreams, you come to a new dilemma. How to finance the purchase?
In addition to payment with cash and cards (for somewhat more favourable vehicles), buyers are offered a wide range of different models of cash loans (with or without loan repayment insurance, in HRK or EUR), that can satisfy all desires and needs of customers. Also, a vehicle can be financed through leasing. Although this is an option that is still mostly used by businesses, leasing is becoming a more and more common way of financing for natural persons.
Leasing can be described as a type of lease of a vehicle with the primary goal of using the vehicle, rather than the acquisition of property rights, and we distinguish between financial and operational leasing.
In financial leasing a vehicle becomes fully owned by a user with a repaid total amount of leasing financing, while in operational leasing the vehicle remains the property of the lessor (the leasing company).

3. Vehicle insurance
Upon buying a car, it is of crucial importance to ensure a carefree use in the years to come. In addition to the compulsory basic insurance, we strongly recommend arranging a no-fault insurance policy, which allows compensation for material damage on your vehicle, even if you caused it yourself. Repairing scratches, dents and other damage that sometimes we cannot influence, is a real hassle for every driver and their wallets. By arranging a no-fault insurance you also cover many other kinds of material damage such as breaking in, damage from natural disasters, glass break or car theft.

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 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.

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