Without cost estimate
Arrange a housing loan by the 31. March 2019. without cost estimate of real estate!
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
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 in kunas
Choose RBA housing loans in kunas with a combination of fixed and variable interest rate, or with a variable interest throughout the entire payment period! Find out more
- Housing loans in EUR
Choose RBA housing loans in EUR with a combination of fixed and variable interest rate! Find out more!
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 1.500.000,00 HRK/200.000,00 EUR
► repayment period up to 30 years
Example of total loan amount and total costs:
|Types of interests rates||Fixed for 3 years, then variable||Fixed for 5 years, then variable|
|Loan amount||450.000,00 HRK||60.000,00 EUR|
|Regular interest rate||3,50%||3,50%|
|Regular interest rate upon expiration of fixed interest rate||3,70%||3,50%|
|Effective interest rate (EKS)||3,81%||3,67%|
|Loan repayment period||240 months||240 months|
|Number of installments||240||240|
|Monthly installment with fixed interest rate||2.609,82 HRK||347,98 EUR|
|Monthly installment with variable interest rate||2.650,10 HRK||347,97 EUR|
|Interest rate for the period of loan repayment||184.573,92 HRK||23.513,40 EUR|
|Intercalary interest rate||1.251,37 HRK||166,85 EUR|
|Loan processing fee||0,00 HRK||0,00 EUR|
|Total payment amount||641.954,29 HRK||84.506,26 EUR|
Calculation examples are presented for the purpose of buying, for the Bank's clients, assuming that the loan disbursement date is on 1.11. and payment of intercalate interests by 30.11.2018., standard annuity repayment.
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.
Other RBA housing loans
- Flexi housing loans in cooperation with the builders
Flexi housing loans in cooperation with the builders in kunas (available in Croatian language)
Flexi housing loans in cooperation with the builders in EUR (available in Croatian language)
- POS+ housing loan model
RBA in cooperation with the Agency for Transactions and Mediation in Immovable Properties, participates in providing loans to natural persons in accordance with the Law on Social Housing Construction under the POS + program.
Why opt for RBA
Use the FlexiFIT current account package
If a combination of flexibility and value sounds attractive, try out our FlexiFIT current account package. More
On-line banking (RBA na dlanu mobile banking)
On-line banking (RBA na dlanu 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
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