PBZ car loans
Discover the benefits
Purpose
Povoljni uvjeti
Additional benefit
With a PBZ car loan, turn your wish into reality. Finance the purchase of new or used motor vehicles (standard vehicles)* and the purchase of new or used energy-efficient vehicles (electric or plug-in hybrid vehicles and hydrogen vehicles)* from authorized dealers.
*Refers to passenger vehicles (cars) for transporting passengers that, in addition to the driver's seat, have a maximum of eight seats.
Need more information on financing a car purchase?
- Purchase of new or used motor vehicles and purchase of new or used energy-efficient vehicles from authorized dealers.
- Loan amount from EUR 2,000 to EUR 40,000.
- Fixed interest rate and repayment period from 13 to 120 months.
- More favorable fixed interest rate for the purchase of energy-efficient vehicles.
Loan users
Natural persons – consumers (residents*) who meet the Bank's lending conditions and who, together with the loan application, submit the documentation required for assessing creditworthiness, proving the purpose of the loan, as well as any other documentation for the realization of the loan, and who will not be older than 67 years of age on the loan maturity date**.
*In accordance with the Foreign Exchange Act, residents are considered natural persons with permanent residence in the Republic of Croatia or natural persons residing in the Republic of Croatia on the basis of a valid residence permit for a period of at least 183 days, except for diplomatic and consular representatives of foreign countries and members of their families.
**Exceptionally, a loan may be approved to a loan beneficiary who will be older than 67 years of age on the loan maturity date, but will not be older than 75 years of age, with the mandatory agreement of a joint and several debtor who must be creditworthy for at least 40% of the annuity/first installment amount and who will not be older than 67 years of age on the loan maturity date. The above does not apply to loan beneficiaries who, at the time of loan approval, receive pension income.
Purpose and loan amount
Purpose
Loans are approved for the purchase of:
- new or used motor vehicles (standard vehicles)* from authorized dealers.
- new or used energy-efficient vehicles (electric or plug-in hybrid vehicles and hydrogen vehicles)* from authorized dealers.
*Refers to passenger vehicles (cars) for the transport of passengers that, in addition to the driver's seat, have a maximum of eight seats.
Loan amount
The loan is approved in the amount of:
- from EUR 2,000 to EUR 40,000.
The loan amount depends on the client's creditworthiness, the client's individual relationship with the Bank, and the client's total exposure.
Tenor and manner of repayment
Tenor
From 13 to 120 months.
Manner of repayment
In equal monthly annuities or monthly installments.
Use of loan
Use of loan
The loan is used by payment to the Seller's account based on the offer/proforma invoice/contract for the purchase of a motor vehicle.
Align your financial commitments
Find out why making financial commitments on time is important.
Look for more information on measures to facilitate loan repayment.
