PBZ non-purpose loans
Lower fixed interest rate.
This is why you’ll like it
Excellent terms
Flexibility
Special benefits
Lower fixed interest rate until 15.12.2025.
• from 5.28% (APRC 5.41%) to 5.98% (APRC 6.15%) per annum, fixed for a standard loan
The interest rate shown is valid for the period from 27.10.2025 to 15.12.2025, at which at least two thirds of clients can conclude a loan agreement with the Bank (representative example).
TheAPRC is calculated on the specified loan amount, with the specified repayment period and a fixed interest rate for the entire repayment period. The client will receive the exact calculation of the APRC in the European Standardised Information Form (ESIS) which will be delivered to him as part of the pre-contractual documentation.
For more information, see the General Information available at the bottom of the page in the "Related Documents" section or at the branch office.
The calculation is informative and is not binding for the Bank.
-
Monthly annuityFixed IR monthly annuityHRK
- Loan amount - HRK
- Amount to repay - HRK
- Tenor - -
- Interest rate Fixed interest rate - %
- APRC - %
- Loan processing fee - HRK
The calculation was made for repayment in equal monthly annuities.
Customize your loan
Contract PBZ non-purpose loan with a lower fixed interest rate until December 15, 2025. and other benefits
- 5.08% (APRC 6.54%) per year, fixed with the Life Insurance Policy of non-purpose loan users
- from 5.28% (APRC5.41%) to 5.98% (APRC 6.15%) per annum, fixed for a standard non-purpose loan
- Optional conclusion of automated partial repayment
- Possibility to contract a grace period ("skip") of the monthly annuity or installment during the loan repayment
Loan users
Any physical person (residents) who meet the Bank’s conditions of borrowing.
Credit period and manner of repayment
- EUR 2,000 to 44,000
The loan amount also depends on the total commitment towards the Bank.
Credit period and manner of repayment
Repayment period
- from 13 to 120 months
Manner of repayment
Choose to repay your loan in equal monthly annuities or monthly installments.
The loan user can pick a day of the month on which his/her obligations fall due.
Additional benefit
When contracting a loan, the borrower may agree on a grace period ("skip") of the monthly annuity/installment during the loan repayment period, free of charge. The request for activation of the "skip" can be submitted once a year with a written request, provided that the conditions are met.
Instalments or annuities?
Installments enable you to repay your non-purpose loan faster and with less interest expense.
Method of loan use
Disbursement into the loan user’s PBZ account or account in another bank.
Align your financial commitments
Find out why making financial commitments on time is important.
Look for more information on measures to facilitate loan repayment.
