PBZ non-purpose loans
This is why you’ll like it
Excellent terms
Flexibility
Special benefits
Personalize your loan
Select the loan amount and repayment period, and you can adjust them later depending on your needs and capabilities.
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Your loan- Monthly annuity Fixed IR monthly annuity - HRK
- Loan amount - HRK
- Amount to repay - HRK
- Tenor - -
- Interest rate Fixed interest rate - %
- APRC - %
- Loan processing fee - HRK
The amount of the interest rate depends on the choice of loan currency and type of interest rate, and individual relationship of the client with the Bank, while the amount of the fixed interest rate additionally depends on the tenor.
The variable interest rate is defined as the sum of the fixed and variable part (6M NRS1 for HRK / 6M NRS1 for EUR). The interest rate is shown with the lowest credit risk and client status. APRC and the total amount for repayment are calculated on the selected loan amount and tenor, without intercalary interest and additional costs.
For more information, see General information available at www.pbz.hr or at the branch.
The calculation is informative and is not binding for the Bank.
- Optional conclusion of automated partial repayment (for loans repaid in annuities or instalments)
- Loan repayment term up to 10 years
- Instalments enable you to repay your loan with less of an interest burden
- 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
- HRK 15,000 to 300,000 or EUR 2,000 to 40,000
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 or increasing annuities or with a "special installment"
- the loan user can pick a day of the month on which his/her obligations fall due
- a non-purpose loan in EUR is repaid in the HRK counter value under the Croatian National Bank’s middle exchange rate for EUR valid on the day of payment
Additional benefit
When contracting a loan with repayment in equal monthly annuities or installments, 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, while a repayment with gradually increasing monthly annuities leaves you broader financial leeway for other needs at the time of borrowing.
Method of loan use
Disbursement into the loan user’s PBZ account or account in another bank.