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 31. March 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

Izračun reprezentativnog primjera iskazan je za namjenu kupnje, za klijente Banke, uz pretpostavku isplate kredita 01.12. i plaćanja interkalarne kamate do 31.12.2017., standardna anuitetska otplata. 
U izračun EKS-a nisu uključeni troškovi dodatnih usluga koje je klijent obavezan ugovoriti uz ugovor o stambenom kreditu jer nisu poznati, budući se utvrđuju za svakog klijenta i nekretninu pojedinačno (trošak premije osiguranja nekretnine i eventualni trošak premije osiguranja života).

Dodatne informacije sukladno Zakonu o stambenom potrošačkom kreditiranju:

Kredit je osiguran hipotekom na nekretnini.
Kredit se ugovara u stranoj valuti pa postoji rizik promjene tečaja koji može utjecati na promjenu visine ukupne ugovorne obveze kao i anuiteta/rata izraženo u kunama koju plaća potrošač.
Po stambenim kreditima koji se ugovaraju uz promjenjivu kamatnu stopu ili uz fiksnu kamatnu stopu na određeni period pa promjenjiva postoji rizik promjene kamatne stope koji može utjecati na promjenu visine ukupne ugovorne obveze kao i anuiteta/rata izraženo u kunama koju plaća potrošač. 
Po kreditu je obavezno sklapanje ugovora o dodatnim uslugama: ugovor o tekućem/deviznom računu za slučaj ostvarivanja statusa klijenta, polica osiguranja imovine i po potrebi polica osiguranja života. 

 

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 31 March 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