Housing loans

  • up to 500,000 EUR with currency clause
  • up to 20 years repayment
Find out more

Dreaming of a new home? We're here to advise you on loan terms that fit your needs and options. Choose the amount, repayment period, loan purpose – and dive into our offers. The quest for your new home starts online.

Key information

Amount

Up to

500,000 EUR

Repayment period

3 to 20

years

 

 

 

Rate

Fixed rate

3,10%

client with regular income*:

3,95%

client without regular income

*Client with regular income on the current account implies having opened current account in the Erste bank through which the client´s regular income. Client status can be obtained subsequently, no later than 3 months from the date of signing the loan agreement.

Loan Purpose

Purchase of residential space (apartment, house, suite)

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

Purchase of building plots and municipal development

Adaptation of residential space

Purchase/construction of the garage, storage or parking space, with the purchase of residential space

Collaterals

The Bank accepts collateral that are situated in the Republic of Croatia.

  • Consent to wage garnishment and a promissory note, both solemnized.
  • Mortgage and property insurance policy to the benefit of the Bank. Maximum loan amount can be up to 60% of the estimated value of the pledged property. 

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

Loan costs

Fee for processing loan request

without fee

Estimated value of the real estate

For loans insured with a lien on a real estate, it is necessary to estimate the value of the real estate at consumer’s cost.

The value of the real estate is determined via estimation by authorised assessors acceptable to the Bank.

Insurance costs:

Real estate insurance policy - for loans insured with a lien on a real estate, it is necessary to insure the real estate by insuring property, at consumer's cost according to the price list of the insurance company.

Other costs:

Costs related to confirmation/solemnisation of the loan agreement and other notary fees and lien registry fees.