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Raiffeisen Stambena Štedionica housing loans

Loans with a fixed rate during the entire repayment term

Raiffeisen Stambena Štedionica housing loans

Loans with a fixed rate during the entire repayment term

Find out more

Information

Your needs

Loans for all housing needs!

You are considering purchasing or building a property? You have decided to renovate or furnish your home? You are looking for green loans or just a solution to refinance an existing loan with another bank or savings bank?
Raiffeisen Stambena Štedionica has a solution for you!

Benefits

Fixed interest rate

Fixed monthly annuities in the loan currency until the end of repayment
No loan approval or property valuation fee until 30. September 2018

Take advantage of special conditions and raise a housing loan at a lower cost
A fast track to interim financing loans

Apply for a housing loan immediately upon conclusion of a housing savings agreement

Regular housing loans

Favorable lending terms

Loan currency	EUR	HRK
Fixed interest rate:	4,00% annually	4,20% annually
Repayment term	up to 20 years for loans of up to EUR 50,000 up to 25 years for loans from EUR 50,001 to 190,000	up to 20 years for loans of up to EUR 1,350,000
Saving period	at least 5 years	at least 5 years
Required savings	5% of the amount agreed	10% of the amount agreed

A housing savings depositor is eligible to receive the amount agreed provided that he or she has been saving during the minimum saving period, reached the required amount of savings in the tariff agreed and collected the required number of points. They may then apply for a regular housing loan..

Early grant of the amount agreed after 2 years of savings

A housing savings depositor may request an early grant of the amount agreed upon expiry of 24 months from the conclusion of the housing savings agreement provided that he or she saved the following amounts:
• 5% of the amount agreed for euro savings
• 10% of the amount agreed for kuna savings

Interim financing loans

Get your housing loan immediately!
- You may apply for an interim financing loan immediately upon conclusion of a housing savings agreement.
  Housing loans are approved with a fixed rate during the entire loan repayment period.
  Savings interest and state incentive funds are granted for housing savings payment during the interim financing period.
How interim financing works?
- Housing savings depositors who have just concluded a housing savings agreement or whose savings amounts to less than the minimum amount required for the grant of regular loan
  During the interim financing period, lasting from 2 to 5 years, they pay installments comprising a housing payment and an interim financing loan annuity payment.
  During the interim financing period, the installment amount is equal to the regular loan repayment annity, so the client´s payments do not change after the conversion of an interim financing loan to a regular one. The conversion to a regular loan is performed when a depositor has reached the minimum savings amount agreed required for the grant of a regular loan.
  
  Housing savings depositors who are immediately able to pay the minimum housing savings amount required for the grant of a regular loan
  During the interim financing period, they only pay interim financing loan annuities without additional housing savings payments..

Terms of interim financing loans

MODEL EUR	Fixed interest rate for MFC period of the loans	Fixed interest rate for the rest of the repayment period of the loan	Repayment period
M1	3,55% for the property purchase and housing loan repayment 4,45% for other purposes	3,80% for the property purchase and housing loan repayment 4,00% for other purposes	up to 20 years for loans of up to EUR 50,000 up to 25 years for loans from EUR 50,001 to 200,000 (with the exception of the M1 model or green loans for other purposes repayable over up to 21 years)
M2	3,15% for the property purchase and housing loan repayment 4,35% for other purposes	3,80% for the property purchase and housing loan repayment 4,00% for other purposes
M3	3,05% for the property purchase and housing loan repayment 4,25% for other purposes	3,80% for the property purchase and housing loan repayment 4,00% for other purposes
Green	3,45% for apartment or family house purchase or construction, and housing loan repayment	3,80% for apartment or family house purchase or construction, and housing loan repayment

Following the conversion of an interim financing loan to a regular one indexed to EUR, the regular interest rate amounts to 3,80% for apartment or family house purchase and housing loan repayment and 4,00% for other purposes- Following the conversion of an interim financing green loan to a regular one, the regular interest rate amounts to 3,80%. The interest rate is annual, regular and fixed.

MODEL HRK	Fixed interest rate for MFC period of the loan	Fixed interest rate for the rest of the repayment period of the loan	Loan repayment term
M1	3,65% for any housing purposes	3,95% for any housing purposes	up to 8 years

Following the conversion of an interim financing loan to a regular one, the regular interest rate amounts to 4,75%. The interest rate is annual, regular and fixed.

Examples of interim financing model calculation (available on Croatian only)

Fees

Type of service	Fee amount in HRK/EUR
Regular housing loan approval	up to 1% of the loan amount approved, a maximum of HRK 2,500
Interim financing loan approval	up to 1% of the loan amount approved, a maximum of HRK 2,500
Using a regular housing loan upon expiry of interim financing	no charge
Stetement delivery and housing loan account management
Annual delivery of statements to loan deal participants	no charge
Account management	HRK 4.50 / EUR 0.60 per month
Statement delivery at the request of loan deal participants	HRK 54.00 / EUR 7.20 per statement

Fee amounts denominated in euros apply to contracts indexed to a foreign currency and are calculated in the kuna equivalent at the Croatian National Bank middle exchange rate on the date of calculation. Fee amounts denominated in kuna apply to contracts without foreign currency indexation. Overview of all fees applying to housing loan services provided by Raiffeisen Stambena Štedionica.