Without cost estimate
Arrange a housing loan without cost estimate of real estate!
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 2.200.000,00 HRK/300.000,00 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 3 years, then variable|
|Loan amount||450.000,00 HRK||60.000,00 EUR|
|Regular interest rate||3,00%||2,90%|
|Regular interest rate upon expiration of fixed interest rate||3,20%||3,10%|
|Effective interest rate (EKS)||3,30%||3,20%|
|Loan repayment period||240 months||240 months|
|Number of installments||240||240|
|Monthly installment with fixed interest rate||2.495,69 HRK||329,76 EUR|
|Monthly installment with variable interest rate||2.534,82 HRK||334,95 EUR|
|Interest rate for the period of loan repayment||156.948,12 HRK||20.201,16 EUR|
|Intercalary interest rate||1.109,59 HRK||143,01 EUR|
|Loan processing fee||0,00 HRK||0,00 EUR|
|Total payment amount||614.186,71 HRK||81.161,97 EUR|
Calculation examples are presented for the purpose of buying, for the Bank's clients, assuming that the loan disbursement date is on 1.7. and payment of intercalate interests by 31.7.2021., 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 14/6/2021 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.