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3 to 10 years
For a fixed interest rate
3 to 20 years
For the Combined interest rate
Combination of rates Fixed for first 7 years 3,10%
After that variable interest rate 3,14%
Purchase of residential space (apartment, house, suite)
Building, extension, reconstruction or completion and maintenance of residential space
Purchase of building plots and municipal development
Purchase/construction of the garage, storage or parking space, with the purchase of residential space
Adaptation of residential space
The Bank accepts collateral that are situated in the Republic of Croatia.
Consent to wage garnishment and a promissory note, both solemnized.
Mortgage in minimum ratio of 1:1.67 or a lower ratio mortgage and a term cash deposit pledged to the Bank. Real estate insurance policy to the benefit of the Bank
The Bank reserves the right, in its discretion, to request additional security instruments
Fee for processing loan request
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.
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.
Costs related to confirmation/solemnisation of the loan agreement and other notary fees and lien registry fees.