Housing savings

Housing savings

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Your needs


A convenient and secure savings option!

If you think you have no sufficient funds to save or immediately raise a housing loan, check the possibilities offered by Raiffeisen Stambena Štedionica. With timely planning and long-term savings, even by paying small savings deposits you may achieve significant savings and become eligible for a housing loan, thanks to high returns and state incentive funds.

Housing savings

  • Housing savings currencies available:

    Housing savings currencies available:

    From 01.01.2021. the new Okvirni uvjeti postupanja s ugovorima o stambenoj štednji (available only in Croatian) are in force.

    Savings currency Housing savings interest rate
    EUR fixed, 0.6 % annually
    HRK fixed, 0.6 % annually

    Raiffeisen housing savings are contracted for five years with a fixed interest rate savings.
    For contracting housing savings of less than HRK 150,000 or EUR 20,000, no contract fee is paid.

Housing savings agreement conclusion 1.5 % of the amount agreed
Statement delivery and housing savings account management  
Annual statement delivery no charge
Account management HRK 4.95 / EUR 0.66 per month
Statement delivery at the client´s request HRK 59.40 / EUR 7.92 per statement
Amendments to the housing savings agreement  
Increasing the amount agreed 1,5 % of the amount by which the amount agreed is increased
Tariff changes HRK 25.00 / EUR 3.50
Other agreement amendments (reducing the amount agreed) HRK 25.00 / EUR 3.50
Early termination of the housing savings agreements 0.5 % of the amount agreed
Early termination of housing savings agreements for which a vista interest rate is calculated no charge
Available housing savings transfer HRK 50.00 / EUR 7.00
Housing savings agreement assignment HRK 25.00 / EUR 3.50

Fee amounts denominated in euros apply to contracts indexed to a foreign currency and are calculated in the kuna equivalent at the Croatian National Bank middle exchange rate on the date of calculation. Fee amounts denominated in kuna apply to contracts without foreign currency indexation.

*charged if the amount agreed is lower than the total savings in the housing savings account. When a housing savings agreement is terminated, the building society increases the amount agreed to the first amount divisible by 1000 in case of a tariff excluding foreign currency indexation, or divisible by 100 and equal to a higher than the savings amount in case of a tariff including foreignd currency indexation.

** early termination implies the termination of a housing savings agreement by the housing savings depositor prior to the expiry of the term agreed, or prior to the fulfilment of requirements for the grant of the amount agreed.

Detailed information is available in the Decision on the fees for housing savings services provided by Raiffeisen Stambena Štedionica. 



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