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.
Declare independence, get your own squares with our housing loan on even more favorable terms!

Benefits

Without the loan repayment insurance

Favorable loan terms without the obligation to arrange a loan repayment insurance.
Without cost estimate of real estate until 30.6.2022.

Arrange a housing loan without cost estimate of real estate!
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 loan

Choose RBA housing loans in EUR with a combination of fixed and variable interest rate!

Housing loan for the purpose of purchase:

► from 14.000,00 EUR to 500.000,00 EUR
► repayment period up to 30 years

*Example of total loan amount and total costs:

	EUR*
Types of interests rates	Fixed for 5 years, then variable
Loan amount	60.000,00 EUR
Regular interest rate	2,50%
Regular interest rate upon expiration of fixed interest rate	2,70%
Effective interest rate (EKS)	2,76%
Loan repayment period	240 months
Number of installments	240
Monthly installment with fixed interest rate	317,94 EUR
Monthly installment with variable interest rate	322,45 EUR
Interest rate for the period of loan repayment	17.117,40 EUR
Intercalary interest rate	110,96 EUR
Loan processing fee	0,00 EUR
Total payment amount	78.043,76 EUR

Calculation example is presented for the purpose of buying, for the Bank's clients, assuming that the loan disbursement date is on 1.2. and payment of intercalate interests by 28.2.2022., standard annuity repayment.
Regular variable interest rate after the fixed interest rate expires is defined as the sum of the fixed part of 3.70% and of the 12-month EURIBOR determined on the day of 30/12/2021 in the amount of -0.50%, 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.