Without cost estimate
Arrange a housing loan by the 30. September 2018. without cost estimate of real estate!
Choice of currency
Kuna - or euro - denominated loans - the choice is yours!
Choice of interest rate
Fixed or variable? All right!
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 euro
RBA housing loan in euros enables you a choice between a fixed and variable interest rate, as well as a combination of both! Find out more
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.
Why opt for RBA
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, 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