Housing loans

Housing loans

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Your life´s needs

 

Are you planning to buy your own living space or expand the existing one?
Then you will benefit from our offer of housing loans with a special interest rate as well as the opportunity to choose the ideal monthly installment for you. You can't predict who your neighbors are, but you can your loan installment.

Benefits

  • Special interest rate

    Special interest rate

    Request a housing loan in EUR with special interest rate until 31.12.2021!

  • Without cost estimate

    Without cost estimate

    Arrange a housing loan without cost estimate of real estate!

  • 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 EUR:

► from 14.000,00 EUR to 300.000,00 EUR
► repayment period up to 30 years

*Example of total loan amount and total costs:

  EUR* HRK**
Types of interests rates Fixed for 3 years, then variable Fixed for 3 years, then variable
Loan amount 60.000,00 EUR 450.000,00 HRK
Regular interest rate 2,50% 3,00%
Regular interest rate upon expiration of fixed interest rate 3,10% 3,20%
Effective interest rate (EKS) 3,07% 3,30%
Loan repayment period 240 months 240 months
Number of installments 240 240
Monthly installment with fixed interest rate 317,94 EUR 2.495,69 HRK
Monthly installment with variable interest rate 333,28 EUR 2.534,82 HRK
Interest rate for the period of loan repayment 19.434,96 EUR 156.948,12 HRK
Intercalary interest rate 123,29 EUR 1.109,59 HRK
Loan processing fee 0,00 EUR 0,00 HRK
Total payment amount 80.374,45 EUR 614.186,71 HRK

Calculation examples are presented for the purpose of buying, for the Bank's clients, assuming that the loan disbursement date is on 1.10.  and payment of intercalate interests by 31.10.2021., standard annuity repayment.
*Regular variable interest rate after the fixed interest rate expires is determined as the sum of the fixed part of 3.68% 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 18/5/2021 in the amount of 0.02%, 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 4.09% and of the 12-month EURIBOR determined on the day of 16/9/2021 in the amount of -0.49%, 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.

 

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