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Mortgage loan for pooling your HRK obligations

Rely on your property’s value.

This is why you’ll like it

Simplicity

Take out a loan without guarantors and deposits

Flexibility

Pick the date and manner of repayment yourself

Excellent terms

More favorable interest rates than the regular mortgage loans

Take out a mortgage loan for pooling your HRK obligations
Take out a mortgage loan for pooling your HRK obligations
  • Mortgage loan for the repayment of loans, including overdrafts
  • At a more favorable interest rates than the regular (cash) mortgage loans
  • Choice of dates for repayment of monthly annuities/instalments
Loan users

Loan users

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

Loan purpose and amount

Loan purpose and amount

Purpose of the loan

  • a loan for the repayment of existing loans (including overdrafts) at PBZ or other banks

Loan amount

  • from HRK 150,000 to 1,125,000 under the condition that at least 50% of the mortgage loan is used to repay an existing loan with residential purpose
  • the loan amount for repayment of existing loans can be increased by up to 10% of cash payment at credit disbursement
Credit period and manner of repayment

Credit period and manner of repayment

Repayment period

  • over 5 to 25 years

Manner of repayment

  • in equal monthly annuities or monthly instalments

The loan user can pick a day of the month on which his/her obligations fall due.

Instalments or annuities?

Instalments enable you to repay your loan with less interest burden.

Method of loan use

Method of loan use

  • closing the existing loans (including overdrafts) of the loan user by payment into the credit account at PBZ or another bank, and cash disbursement (up to 10% of loan amount) into the loan user’s transaction account at PBZ or another bank
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