Housing loans

Make your housing more enjoyable with RBA housing loans!

Housing loans

Make your housing more enjoyable with RBA housing loans!

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 by the 30. September 2018. without cost estimate of real estate!

  • Choice of currency

    Choice of currency

    Kuna - or euro - denominated loans - the choice is yours!

  • Choice of interest rate

    Choice of interest rate

    Fixed or variable? All right!

  • 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.

Loan pre-approval

You are not sure what loan amount you can raise? Find out everything you need for loan pre-approval (in Croatian language only).

Flexi housing loans

 

Housing loans offer

 

Housing loans for the purpose of purchase in EUR:

► from 14.000,00 EUR to 200.000,00 EUR

► repayment period up to 30 years

Loans are insured by a housing mortgage.

Example of total loan amount and total costs:

Types of interests rates Variable for the entire repayment term 
Loan amount 60.000,00 EUR
Regular interest rate 3,60%
Regular interest rate upon expiration of fixed interest rate -
Effective interest rate (EKS) 3,66%
Loan repayment period 240 months
Number of installments 240
Monthly installment 351,07 EUR
Interest rate for the period of loan repayment 24.256,80 EUR
Intercalary interest rate 171,62 EUR
Loan processing fee 0,00 EUR
Total payment amount 84.428,42 EUR

Calculation examples are presented for the purpose of buying, for the Bank's clients, assuming that the loan disbursement date is on 1st December and payment of intercalate interests by 31th December 2017, standard annuity repayment.
*In the EIR calculation, for the first 60 months the fixed interest rate was applied, and then the variable interest rate (applied as of the 61st month of loan repayment onwards)

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.

 

 

Other RBA housing loans

  • FlexiGREEN housing loans in cooperation with the builders
    • Choose energy-efficient real estate (energy class A +, A or B) from the offer of construction companies, partners of RBA and get more favorable terms and additional benefits of FlexiGREEN housing loans!

  • POS+ housing loan model
    • RBA in cooperation with the Agency for Transactions and Meditation in Immovable Properties, participates in providing loans to natural persons in accordance with the Law on Social Housing Construction under the POS + program. 

How to get a housing loan?

 

Simple

Fill out our contact form or go to the nearest RBA branch!

Why opt for RBA

  • Use the FlexiFIT current account package for 3 months free of charge

    Use the FlexiFIT current account package for 3 months free of charge

    If a combination of flexibility and value sounds attractive, try out our FlexiFIT current account package. Transfer your regular earnings to RBA, arrange FlexiFIT by 30 June 2018 and use it for 3 months free of charge! More

  • RBA na dlanu mobile banking

    RBA na dlanu mobile banking

    RBA na dlanu, 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

Support

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