Tourism loans

Get ready for the forthcoming tourist season!

Tourism loans

Get ready for the forthcoming tourist season!

Find out more
 

Refresh your offer for the new tourist season!

If you are in the business of tourist accommodation, take advantage of a tourist loan in order to prepare your accommodation capacities even for the most demanding guests. Whether you are buying, building, adapting the existing or new capacities, building a pool or taking care of the surrounding environment, make your service better and get ready for the new season with RBA tourist loan.

Benefits

  • Tourism as core business

    Tourism as core business

    Borrower may be also a person who receives monthly income only from tourist activities!

  • Choice loan repayment

    Choice loan repayment

    Possibility of monthly or annual loan repayments.

  • Loan disbursement

    Loan disbursement

    Loan amount can be disbursed to borrowers current account or payed out in cash.

  • No mortgage required

    No mortgage required

    Without a mortgage for the loans up to 110.000,00 HRK.

  • Tourism as core business

    Tourism as core business

    Borrower may be also a person who receives monthly income only from tourist activities!

Terms of tourism loans

  • Choose

    Choose

    Choose between two loan models. The maximum loan amount is HRK 1.500.000,00 and maximum loan tenor is 15 years! Detailed terms of tourism loans (available in Croatian only)

  • Reprezentativni primjer ukupnog iznosa kredita i ukupnih troškova

    Reprezentativni primjer ukupnog iznosa kredita i ukupnih troškova

    Glavnica kredita 180.000,00 HRK
    Redovna kamatna stopa 5,00%
    Efektivna kamatna stopa (EKS) 5,41%
    Rok otplate kredita 180 mjeseci
    Broj anuiteta 180
    Mjesečni anuitet 1.423,43 HRK
    Interkalarna kamata 739,73 HRK
    Kamata za razdoblje otplate kredita 76.217,40 HRK
    Naknada za obradu kredita  0,00 EUR
    Ukupan iznos za plaćanje 261.127,13 HRK

    Izračun reprezentativnog primjera iskazan je uz pretpostavku isplate kredita 1.7. i plaćanja interkalarne kamate do 31.7.2018., standardna anuitetska mjesečna otplata. U izračun EKS-a nisu uključeni troškovi dodatnih usluga (trošak premije osiguranja nekretnine) koje je klijent obavezan ugovoriti uz ugovor o turističkom kreditu, kao ni trošak procjene nekretnine budući da nisu poznati jer se utvrđuju za svaku nekretninu pojedinačno.

    Sukladno Zakonu o stambenom potrošačkom kreditiranju:

    -krediti u iznosu od 110.001,00 HRK do 1.500.000,00 HRK osigurani su hipotekom na nekretnini
    -po kreditima koji se ugovaraju uz promjenjivu kamatnu stopu postoji rizik promjene kamatne stope koji može utjecati na promjenu visine ukupne ugovorne obveze kao i anuiteta/rata izraženo u kunama, koje plaća potrošač. 
    -po kreditu je obvezno sklapanje ugovora o dodatnim uslugama: polica osiguranja života ili paket osiguranja plaćanja kredita za iznose kredita do 110.000,00 HRK te polica osiguranja imovine za kredite u iznosima većim od 110.000,00 HRK.

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 September 30th, 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