Housing loans

Adjust the loan with your lifestyle!

Housing loans

Adjust the loan with your lifestyle!

Find out more

Your life´s needs

 

Want to buy an apartment or build a house? Renovate your home perhaps?
RBA housing loans will help you fulfil all your needs in a quick and simple way with favorable interest rates!

Benefits

  • Without cost estimate

    Without cost estimate

    Arrange a housing loan without cost estimate of real estate!

  • No additional charges

    No additional charges

    Without additional charges for BON 1 and BON 2 / SOL 2 

  • Easy loan approval processing for housing loans with the purpose of adaptation

    Easy loan approval processing for housing loans with the purpose of adaptation

    Loans with the purpose of adaptation are disbursed to borrowers current account with no need to provide construction invoices after the loan is disbursed and no additional fees.

Flexi housing loans

 

Housing loans offer

 

Housing loans for the purpose of purchase in HRK and EUR:

► from 100.000,00 HRK/od 14.000,00 EUR  to 2.200.000,00 HRK/300.000,00 EUR
► repayment period up to 30 years

*Example of total loan amount and total costs:

  HRK EUR
Types of interests rates Fixed for 3 years, then variable Fixed for 3 years, then variable
Loan amount 450.000,00 HRK 60.000,00 EUR
Regular interest rate 3,00% 2,90%
Regular interest rate upon expiration of fixed interest rate 3,20% 3,10%
Effective interest rate (EKS) 3,30% 3,20%
Loan repayment period 240 months 240 months
Number of installments 240 240
Monthly installment with fixed interest rate 2.495,69 HRK 329,76 EUR
Monthly installment with variable interest rate 2.534,82 HRK 334,95 EUR
Interest rate for the period of loan repayment 156.948,12 HRK 20.201,16 EUR
Intercalary interest rate 1.106,56 HRK 142,62 EUR
Loan processing fee 0,00 HRK 0,00 EUR
Total payment amount 614.183,68 HRK 81.154,37 EUR

Calculation examples are presented for the purpose of buying, for the Bank's clients, assuming that the loan disbursement date is on 1.7. 2020. and payment of intercalate interests by 31.7.2020., standard annuity repayment.
*Regular variable interest rate after the fixed interest rate expires is determined as the sum of the fixed part of 3.64% and of the 12-month yield of the RH Ministry of Finance Treasury Bills in kuna and for the maturity of 364 days as achieved at the auction dated 26/5/2020 in the amount of 0.06%, less 0.50% of the primary customer bonus. 
** Regular variable interest rate after the fixed interest rate expires is defined as the sum of the fixed part of 3.68% and of the 12-month EURIBOR determined on the day of 28/5/2020 in the amount of -0.08%, less 0.50% of the primary customer bonus.
The total payment amount and EIR include the average cost of the property assets insurance policy premium in the amount of HRK 198.00 and the monthly account management fee in the amount of HRK 9.00. The Bank shall bear the real estate value appraisal cost.

 

Additional information in keeping with the Act on Consumer Housing Loans:

Loan is secured by mortgage lien on real estate property. 
Loan is agreed in foreign currency so there is currency risk that can impact the amount of total contractual value as well as the amount of annuity/instalment denominated in the kuna and paid by the consumer. As regards housing loans agreed at a variable interest rate, or at a fixed interest rate for a particular period and then a variable interest rate onwards, there is interest rate risk that can impact the amount of total contractual value as well as the amount of annuity/instalment denominated in the kuna and paid by the consumer. Along with a loan, contracting agreements on additional services is required: agreement on current/FX account where obtaining the client status is necessary, property insurance policy and, if needed, life insurance policy.where obtaining the client status is necessary, property insurance policy and, if needed, life insurance policy.

 

Why opt for RBA

  • Use the FlexiFIT current account package

    Use the FlexiFIT current account package

    If a combination of flexibility and value sounds attractive, try out our FlexiFIT current account package. 

  • On-line banking (mojaRBA mobile banking)

    On-line banking (mojaRBA mobile banking)

    On-line banking (mojaRBA mobile banking), along with a range of banking services available in Internet banking, provides the ˝2 in 1˝ functionality by employing mToken - a completely safe solution for user authentication. This application provides numerous practical and useful functionalities! More

  • Zlatna RBICA rewards every time

    Zlatna RBICA rewards every time

    By arranging and using RBA credit card, you can join the Zlatna RBICA loyalty program completely free of charge. Spend the kuna you have collected via Zlatna RBICA at the points of sale of our partners. More

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