PBZ Energo loans
Take advantage of numerous benefits and realize PBZ Energo credit!
This is why you’ll like it
The amount of the interest rate depends on the choice of the tenor, type of interest rate and collateral instrument and client's credit risk. The fixed interest rate for mortgage loans additionally depends on the amount of the loan amount compared to the estimated value of the property. The variable interest rate is defined as the sum of the fixed and variable part for 6M EURIBOR. The interest rate is shown with the lowest credit risk and loan amount up to 80% of the estimated value of the real estate. APRS 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.
-
Monthly annuityFixed IR monthly annuityHRK
- Loan amount - HRK
- Amount to repay - HRK
- Tenor - -
- Interest rate Fixed interest rate - %
- APRC - %
- Loan processing fee - HRK
The calculation was made for repayment in equal monthly annuities.
Special benefits
- lower interest rate than standard PBZ housing loans
- 50% of the costs of the notary public will be borne by PBZ until March 31, 2023 (certification/solemnization of loan agreements, debentures and seizure statements)
- without the cost of real estate appraisal untill March 31, 2023
- more favorable conditions for approving standard non-purpose loans:
- for clients who are beneficiaries of PBZ housing loan with a mortgage or are in the process of realizing PBZ housing loan with a mortgage: lower interest rate than the current interest rates for standard non-purpose loan.

Align your financial commitments
- Grace period of up to 12 months
- Up to 10% of loan amount is disbursed in cash for covering costs and cost reimbursement relating to borrowing
- 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 meets the Bank’s conditions of borrowing.
Loan purpose and amount
Purpose of the loan
- purchase of a residential property with a higher energy rating, A, A+ and B, purchase of a residential property with improved energy efficiency
- new construction, expansion, addition, completion of low-energy and passive houses
- land purchase and construction of new low-energy or passive houses
- improvement of energy efficiency of the existing buildings
- for loans granted for expansion, addition, improvement of energy efficiency, or completion, it is not required that he loan user is owner of the property at the same time (with the proviso that he/she is related by blood or by marriage with the owner)
- down-payment for a purchase of a residential property with a higher energy rating, A, A+ and B,
- refinancing of Energo housing loans or standard housing loans if evidence is provided that the property under the loan belongs to A, A+ or B energy efficiency class, or that this is a low-energy or passive house, with the following options:
- interest rates:
- fixed interest rates for the entire repayment period or
- fixed interest rates for a specific period (5 or 15 years) followed by variable interest rates.
Loan amount
- EUR 20,000 to 350,000 for all purposes with the institution of a lien (except for improvement of energy efficiency)
- EUR 20,000 to 70,000 for the purpose of improvement of energy efficiency (with the institution of a lien)
- EUR 5,000 to 40,000 without a lien and a with a down-payment for the purchase of higher energy class real estates, A, A+ or B
The loan amount also depends on the total commitment, and in addition to that, for loans insured with a lien, the amount depends on the appraised property value.
Credit period and manner of repayment
Repayment period
- 5 to 30 years for loans with an institution of a lien
- 5 to 15 years (min 61 months) without a lien and a with a down-payment for loans for the purchase of higher energy class real estate, A, A+ or B (to improve energy efficiency up to 10 years)
- 5 to 15 years for loans with a fixed interest rate
- a combination of fixed interest rate during the 60 or 180 months period and variable interest rate during the remaining repayment period
Grace period
- up to 12 months and included in the repayment period
Manner of repayment
- 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
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 loan faster and with less interest expense.
Additional benefits
- up to 10% of loan amount is disbursed in cash for covering costs and cost reimbursement relating to borrowing
- a loan for improving the energy efficiency, complete, expand, annex, renovate, or new construction can be paid up to 70% in cash
- optional 18-month respite (deferral of payment) during maternity leave without interest payments can be contracted