Housing loans

Information

Your life´s needs

Living on your own, in your own space, will give you a sense of peace, pride and self-satisfaction.
Apply for housing loan simply, use completely independently.

Benefits

Without the loan repayment insurance

Favorable loan terms without the obligation to arrange a loan repayment insurance.
Fixed interest rates

For the entire repayment period.
Real estate appraisal cost free of charge for GREENKO housing loan

Make additional savings by financing an energy-efficient property
Housing loan for adaptation

No need to submit the invoice after the loan disbursement.

Housing loan

Choose the amount between EUR 14.000,00 and EUR 500.000,00, repayment period up to 30 years and loan purpose:

► buying an apartment or family home
► construction, completion, extension, upgrade, reconstruction of a residential building
► refinancing of the existing housing loan.
Housing loan for the renovation of an apartment or house can be requested up to EUR 100,000.00 with a maximum repayment term of up to 20 years.

Representative examples (*costs included in the calculation)

Client type	Primary clients		Other clients
Loan amount	87.000,00 EUR	87.000,00 EUR	87.000,00 EUR	87.000,00 EUR
Regular interest rate (fixed, annual)	4,20%	4,50%	4,70%	5,00%
Effective interest rate (EIR)	4,44%	4,73%	4,91%	5,21%
Loan repayment period/ Monthly installment number	15 years / 180 monthly installments	22 years / 264 monthly installments	15 years / 180 monthly installments	22 years / 264 monthly installments
Monthly installment	652,28 EUR	519,73 EUR	674,47 EUR	543,99 EUR
Interest rate for the period of loan repayment	30.410,40 EUR	50.208,72 EUR	34.404,60 EUR	56.613,36 EUR
Intercalary interest rate	299,51 EUR	320,90 EUR	335,16 EUR	356,56 EUR
Real estate fire insurance premium during loan repayment (annually)*	40,00 EUR	40,00 EUR	40,00 EUR	40,00 EUR
Monthly account management fee*	2,00 EUR	2,00 EUR	-	-
Appraisal cost for real estate up to 100m2*	157,61 EUR	157,61 EUR	157,61 EUR	157,61 EUR
Total payment amount	118.829,52 EUR	139.097,23 EUR	122.497,37 EUR	145.007,53 EUR

The calculation of a representative example is presented with the assumption of loan payment 1.7. and intercalary interest payments until July 31, 2024. , standard annuity repayment.

GREENKO housing loan

Choose GREENKO housing loan with more favorable conditions for the purchase, construction or completion of an energy-efficient real estate with an Energy Performance Certificate (EPC) that meets the following conditions:

a) real estate built before January 1, 2021:
- energy class of Specific annual primary energy A+

b) real estate built after January 1, 2021:
- "nZEB" label and
- the value of Specific annual primary energy at least 10% lower than the threshold established for requirements for almost zero energy buildings (nZEB) according to national criteria

Representative examples (*costs included in the calculation)

Client type	Primarni klijenti	Ostali klijenti
Loan amount	87.500,00 EUR	87.500,00 EUR
Regular interest rate (fixed, annual)	3,80%	4,30%
Effective interest rate (EIR)	3,99%	4,46%
Loan repayment period	274 mjeseci	274 mjeseci
Monthly installment number	274	274
Monthly installment	478,15 EUR	501,89 EUR
Interest rate for the period of loan repayment	43.513,10 EUR	50.017,86 EUR
Intercalary interest rate	263,46 EUR	298,12 EUR
Real estate fire insurance premium during loan repayment (annually)*	40,00 EUR	40,00 EUR
Monthly account management fee*	2,00 EUR	-
Total payment amount	132.746,56 EUR	138.735,98 EUR

The calculation of a representative example is presented with the assumption of loan payment 1.7. and intercalary interest payments until July 31, 2024. , standard annuity repayment.