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.

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:

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.