Housing loans for young people.
For individuals up to 35 years of age.
This is why you’ll like it
Excellent terms
Flexibility
Property appraisal
Favorable interest rates
• from 3.38% (EIR 3.43%) to 3.48% (EIR 3.53%) per year, fixed without mortgage
Loan users
Natural persons – consumers (residents*) who meet the Bank's lending conditions, who are no older than 35 years old on the day of submitting the loan application 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.
*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 at least one year or longer, except for diplomatic and consular representatives of foreign countries and members of their families.
Loan purpose and amount
Purpose of the loan
- purchase,
- purchase with adaptation,
- adaptation,
- construction, extension, upgrade, reconstruction, completion,
- purchase of construction land with construction,
- purchase of construction land for the construction of a family house,
- for payment of a down payment for the purchase of residential property*
- early repayment of housing loans in other banks, for the aforementioned purposes, provided that the borrower has resolved his housing issue with the funds from that loan.
*Loans for the purpose of payment of a down payment for the purchase of residential property are approved exclusively without a mortgage.
Loan amount
Mortgage loans
- from EUR 20,000 to EUR 400,000 (for renovation up to EUR 100,000)
Non-mortgage loans
- from EUR 5,000 to EUR 44,000
The loan amount also depends on creditworthiness, total exposure to the Bank, while for loans secured by a mortgage on real estate, the amount additionally depends on the value of the real estate being pledged.
Credit period and manner of repayment
Repayment period
Loans with a mortgage
- from 5 to 30 years
Loans without mortgage
- from 5 to 15 years (for adaptation up to 10 years)
Manner of repayment
The possibility of repaying the loan in equal monthly annuities or monthly installments.
Depending on their choice, during the realization of the loan, the user of the loan can agree on an additional functionality in the repayment of the loan - "skip" (repayment delay) of one monthly annuity/installment.
Instalments or annuities?
Repayment in installments enables faster loan repayment and thus lower interest costs.
Additional benefit:
- 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
Find out why making financial commitments on time is important.
Look for more information on measures to facilitate loan repayment.
