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Mortgage loans

When you need cash, you can rely on your property’s value and take out a mortgage loan.

This is why you’ll like it

Simplicity

Take out a mortgage loan without guarantors and deposits

Flexibility

Pick the currency, date and manner of repayment yourself

Ease of use

The maximum loan amount can be up to 70% of the appraised value

Personalize your loan

Select the loan amount and repayment period, and you can adjust them later depending on your needs and capabilities.

Loan Amount

Min. Loan Amount 0 HRK Max. Loan Amount 0 HRK

Interest Type

Loan duration

0 - 0 -

The calculation was made for repayment in equal monthly annuities.

  • Your loan
    • Monthly annuity Fixed IR monthly annuity - HRK
    • Variable IR monthly annuity - HRK
    • Loan amount - HRK
    • Amount to repay - HRK
    • Tenor - -
    • Interest rate Fixed interest rate - %
    • Variable interest rate - %
    • APRC - %
    • APRC - %
    • Loan processing fee - HRK

The amount of the interest rate depends on the choice of the loan currency and credit risk of the client. The interest rate with the lowest credit risk is shown. The variable interest rate is defined as the sum of the fixed and variable part (6M NRS1 for HRK / 6M NRS1 for EUR). 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.

Take out a PBZ mortgage loan
Take out a PBZ mortgage loan
  • Get cash for financing your needs by taking out a mortgage loan based on property collateral
  • Loan repayment term up to 20 years
  • Loan amount up to HRK 1,125,000 or EUR 150,000
  • Instalments enable you to repay your loan with less of an interest burden
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

  • disbursement in cash for financing your own needs

Loan amount

  • HRK 150,000 to 1,125,000 or EUR 20,000 to 150,000
  • maximum loan amount can be up to 70% of the appraised real estate value
  • loan amount depends on the value of the property and total commitment
Credit period and manner of repayment

Credit period and manner of repayment

Repayment period

  • 5 to 20 years

Manner of repayment

  • loans taken out in HRK are repaid in HRK, and loans with the currency clause in EUR are repaid in the HRK counter value under the Croatian National Bank’s middle exchange rate for EUR valid on the day of payment
  • choose to repay your loan in equal monthly annuities, monthly instalments or increasing annuities in four intervals
  • 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 mortgage loan faster and with less interest expense, while a repayment with gradually increasing monthly annuities leave you a broader financial leeway for other needs at the time of borrowing.

Use of the loan

Use of the loan

  • disbursement to the loan user’s transaction account opened at PBZ
  • disbursement into the account at another bank
Do you need help?

We will answer all your questions

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