APN housing loans with a government subsidy
Submitting a request
If you are interested in a loan and meet the conditions prescribed by the Law, we invite you to contact the nearest PBZ branch.
Find out all the information about the special offer and the conditions for the approval of APN housing loans with state subsidies:
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on a toll-free phone 0800 365 365, for calls abroad +385 1 489 13 10, every day from 7:00 am to 9:00 pm.
Loan terms
Privredna banka Zagreb d.d. has prepared a special offer of housing loans with a government subsidy intended for the purchase of an apartment / house or building a house, according to the Law on Subsidizing Home Loans and its Amendments (OG 65/17, 61/18, 66/19 and 146/2020).
- In the first five years of repayment, the state subsidizes from 30% to 51% of the monthly installment or annuity, and the percentage of the subsidy depends on the development index of the place where the property is bought or built.
- If the applicant or a member of his household has children who, at the time of the conclusion of the home loan subsidy contract, are not older than 18 years, further subsidized loan for one year for each child.
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The loan subsidy period can be extended by two years for each live born or adopted child during the loan subsidy period.
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If the applicant or a member of his household has a disability greater than 50% of the physical impairment or is determined to be in the course of the loan subsidy, the loan subsidy period is further extended by two years.
Special benefits
- without the cost of real estate appraisal
- loan amount up to 100% of the appraised value of the pledged property
- more favorable conditions for approving standard non-purpose loans - lower interest rate by 1.5 percentage points. of applicable interest rates for standard non-purpose loans
- possibility of realization of one loan which includes subsidized part of purchase price / amount for construction and non-subsidized part
Loan users
Natural persons - consumers (residents *) who meet the conditions of the Bank's lending, who are not older than 45 at the time of the loan realization and who meet the conditions prescribed by the Law:
- that they do not own an apartment or house or who own only one apartment or house that is in such a state of usability that there are basic hygienic and technical living conditions, and which they sell to buy a larger apartment or house or build a house for the needs own housing; if clients are buying a larger apartment or house, they should sell the existing property within 2 years;
- that the spouse or common-law partner, life partner or informal life partner (hereinafter: spouse) does not own an apartment, ie a house or which owns only one apartment or house which is in such a state of usability that there are basic hygienic technical living conditions, which he sells for the purpose of buying a larger apartment or house or building a house for the needs of his own housing; if the client buys a larger apartment or house, the existing property should be sold within 2 years.
* Pursuant to the Foreign Exchange Act, residents are natural persons residing in the Republic of Croatia or natural persons residing in the Republic of Croatia on the basis of a valid residence permit lasting at least 183 days, except for diplomatic and consular representatives of foreign countries and their families.
Flexibility with a choice
- not required client status
- loan repayment method: in equal monthly annuities or monthly installments
- irepayment date: any day of the month
The amount of the subsidy loan can also include a down payment to the client.
Privredna banka Zagreb d.d. is the leader in the market share in this segment of retail lending and your reliable partner in the realization of subsidized loans.
