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PBZ non-purpose loans with CPI

Loans with non-purpose loan repayment insurance policy.

This is why you’ll like it

Flexibility

Choose the date and manner of repayment yourself

Safety

Additional protection in case of inability to pay the loan

Special benefits

Optional deferral of payment for up to 3 months

Take out a PBZ non-purpose loan with CPI
Take out a PBZ non-purpose loan with non-purpose loan repayment insurance policy (CPI)
  • Additional protection in the event of inability to pay loan
  • 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

Loan users

Any physical person (residents) who meet the Bank’s conditions of borrowing.

Credit period and manner of repayment

Credit period and manner of repayment

  • EUR 2,000 to 40,000

The loan amount also depends on the total commitment towards the Bank.

Credit period and manner of repayment

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
  • a non-purpose loan  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, 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

Method of loan use

Disbursement into the loan user’s PBZ account or account in another bank 

You can apply for a non-purpose loan without coming to the branch
Via PBZ Digital Banking, you can apply for a non-purpose loan by signing the application with a qualified electronic signature #withSIGN.
Step 1
Contact the employees of the PBZ branch or your personal banker by phone or email
Step 2
Find the documentation related to submitting the request in the My Offers
Step 3
Activate #withSIGN or validate the certificate

What is #withSIGN?
Step 4
Read the informative calculation and if it is acceptable to you, start the realization of a non-purpose loan by signing the Loan Application
Aligning of financial liabilities

Align your financial commitments

Find out why making financial commitments on time is important.
Do you need help?

We will answer all your questions

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