Erste Housing Eco Loans in Euro

Get an energy-efficient home by choosing no-mortgage
loans with fixed or variable interest loans for up to 30,000 Euro!

  • possible to choose fixed or variable interest rate for repayment terms up to 20 years
  • no mortgage for loans up to 30,000 euro and 10 year repayment term
  • no-mortgage loans can be used to fund downpayment, and amount that exceeds the downpayment can be used to furnish or renovate the real-estate

Key Information

Amount

from 2.000 to 500.000
euro

Repayment

2 do 30
years

Loan processing fee

1% loan
amount
up to 600 Kuna, 1,200 Kuna for mortgage loans

Interest Rate

 

Fixed

Up to 20 years repayment

4.35% to 4.95%, obligatory client status

Variable (linked to 12M EURIBOR)

Up to 30 years repayment

3.89% to 4.49%, obligatory client status

Loan Purpose


purchase of residential space of high energy efficiency class (A+, A, B and C)


building, extension, reconstruction or completion and maintenance of residential space


purchase and installation of equipment for using renewable energy sources


real-estate modifications that reduce energy consumption / installing heat insulation in residential buildings


refinancing of expenses related to necessary permits, decisions, approvals and documents pursuant to energetics regulations


refinancing a housing loan in a different bank

Collaterals

Loan Without a Mortgage

up to 10,000 euro

  • consent to wage garnishment and a promissory note, both solemnized

from 10,000.01 to 30,000 euro

  • Consent to wage garnishment and a promissory note, both solemnized
  • 10% of term cash deposits pledged to the Bank or other instruments of your own choosing (life insurance policy with surrender value, tariff T6 housing savings of Wüstenrot stambena štedionica d.d. shares in investment funds of Erste Asset Management or a combination of these collaterals) or solidarity guarantee

 

 

 

Loan With Mortgage

  • Mortgage in minimum ratio of 1:1.11 or a lower ratio mortgage and a term cash deposit pledged to the Bank.
  • Real-estate insurance policy, life insurance policy or accident insurance policy to the benefit of the Bank
  • Consent to wage garnishment and a promissory note, both solemnized

The Bank reserves the right, in its discretion, to request additional security instruments.

Downpayment

If you do not have resources to fund a purchase downpayment, two housing loans can be approved - one with mortgage collateral and second one without a mortgage. No-mortgage loans can be used to fund max. 225,000 Kuna, and amount that exceeds the downpayment can be used to furnish or renovate the real-estate.

Request an appointment in the branch

You can choose date and branch for your meeting that suits you the most.

 

Order a call

Or call our contact center on our free number 0800 7890

 

Other Types of Housing Loans

Housing Loans pamphlet for foreign nationals and Croatian working abroad Download