What are the ways to repay the collateral loan?

You can repay the collateral loan in the following way: In monthly installments expressed in EUR and for loans in USD, which are paid in the euro equivalent calculated at the middle exchange rate of the Croatian National Bank (HNB) and are due for payment on the last day of the month By making monthly payments of the calculated interest on the loan, while the principal of the loan is repaid in a lump sum at the end of the agreed loan term, in EUR, and for loans in USD, in the corresponding euro equivalent calculated at the middle exchange rate of the Croatian National Bank (HNB).

Your savings as collateral for a personal loan Collateral loan

Without guarantors and additional collateral
A more favorable interest rate compared to other cash loans
Without signature verification and notarization by a public notary

Loan conditions

Loan amount 95% of the guaranteed deposit amount

Repayment period up to 10 years

Fixed interest rate 2.5 percentage points higher than the interest rate agreed on the guaranteed deposit

Loan processing fee 0.50% of the loan amount, with a maximum of 132.72 EUR

Loan amount	10,000.00 EUR
Regular interest rate	2.52%
Guarantee deposit amount	10,526.32 EUR
Regular interest rate of the guarantee deposti	0.02%
Effective interest rate (EIR)	3.51%
Loan repayment period	10 years
Monthly installment	94.36 EUR
Interest rate for the period of loan repayment	1,323.20 EUR
Intercalary interest	20.71 EUR
Loan processing fee	50.00 EUR
Total payment amount	11,372.55 EUR

The calculation of a representative example is presented for assuming loan disbursement on 1.1. and intercalary interest payments until 31.1.2024.

FAQ

Find answers to the most frequently asked questions.

You need to term deposit the amount for a period that is one month longer than the due date of the last installment of the loan.

You can repay the collateral loan in the following way:

In monthly installments expressed in EUR and for loans in USD, which are paid in the euro equivalent calculated at the middle exchange rate of the Croatian National Bank (HNB) and are due for payment on the last day of the month
By making monthly payments of the calculated interest on the loan, while the principal of the loan is repaid in a lump sum at the end of the agreed loan term, in EUR, and for loans in USD, in the corresponding euro equivalent calculated at the middle exchange rate of the Croatian National Bank (HNB).

Yes, it is possible to pay off part or all of the collateral loan early. To make an early repayment, you need to submit a request for early repayment.

As a loan user, you can offset the deposit with the debt from this agreement before the
deposit term expires, but only if the deposit is used to repay the loan in full early.