Housing loans
Lower fixed interest rate for housing loan with mortgage.
This is why you’ll like it
Favorable terms
Flexibility
Benefits
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The interest rate 3.08% for housing loan with mortgage is valid for the period from 27.10.2025 to 15.12.2025, at which at least two thirds of clients can conclude a loan agreement with the Bank (representative example).
The interest rate 3.58% for housing loan without mortgage is the rate at which at least two thirds of clients can conclude a loan agreement with the Bank (representative example).
The APRC is calculated on the specified loan amount, with the specified repayment period and a fixed interest rate for the entire repayment period without additional costs. The client will receive the exact calculation of the APRC in the European Standard Information Form (ESIS), which will be delivered to him as part of the pre-contractual documentation.
For more information, see General information available at the bottom of the page under "Related Documents" 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.
Customize your loan
Special Benefits for Mortgage Loans valid from September 1, 2025 to December 15, 2025
For housing loans with a lower interest rate from 27.10.2025 to 15.12.2025
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without appraisal fee
For housing loans with a regular interest rate from 01.09.2025 to 15.12.2025.
- No property appraisal costs
- 50% of notary public costs (contract solemnization, statements of consent for garnishment, and promissory notes) are covered by the Bank instead of the Loan User*
*After the Loan User presents the Bank with the invoice for the paid notary costs, the Bank reimburses an amount equal to 50% of the paid 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.
Take out PBZ’s housing loan
- The loan amount for residential purposes can be increased by up to 10% of the loan amount, up to a maximum of EUR 7,000 in order to recover the costs for the realization of the loan.
- 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 meet the Bank’s conditions of borrowing
Loan purpose and amount
Purpose of the loan
- purchase
- purchase and adaptation
- new construction
- land purchase
- land purchase and new construction
- granting of home improvement loans
- completion
- expansion
- addition
- renovation
And in case that the loan applicant is not the owner of the real estate
Loan amount
- EUR 20,000 to 400,000 for loans for buying residential property, purchase with home improvement, new construction, expansion, addition, completion or renovation of a residential property as well as purchase of land with new construction or just land purchase with institution of a lien
- EUR 20,000 to 100,000 for home improvement (with a lien)
- EUR 5,000 to 44,000 for housing loans without a lien and with a down-payment for real estate purchase
- refinancing a Bank’s or another bank’s loan according to the purpose for which the original loan was taken out and in amounts depending on the loan purpose,
- fixed interest rate for the entire repayment period.
The loan amount also depends on creditworthiness and total exposure to the Bank, while for loans secured by real estate collateral, the amount additionally depends on the value of the property being pledged.
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) for loans without a lien and with a down-payment (for adaptation up to 10 years)
Manner of repayment
The choice to repay the loan in equal monthly annuities or in installments.
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.
Other loan benefits
- optional refinancing of already taken out housing loans at PBZ or other banks
- up to 10% of the loan amount is disbursed in cash for covering costs and cost reimbursement relating to borrowing
