Housing loans
Take advantage of the special offer from 1.9. to 1.10.2026 and arrange a mortgage loan with a lower fixed interest rate.
Take advantage of the benefits of housing loan
Special offer
Flexibility
Benefits
Contract housing loan with mortgage with a lower fixed interest rate from September 1 to October 1, 2026.
Take advantage of a lower fixed interest rate on a housing loan with a mortgage.
Calculate your loan
Take the first step towards the apartment or house you want.
Find out the approximate loan amount and monthly annuity in a few clicks.
The displayed interest rate of 3.08% for housing loans with a mortgage (without the CPI loan user's insurance policy) is valid in the period from 1.9 until 1.10.2026. according to which at least two-thirds of clients can conclude a loan agreement at the Bank (representative example).
The displayed interest rate of 3.58% for housing loans without a mortgage is the rate at which at least two thirds of the 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.
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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
Basic information about the housing loan
Any physical person (residents) who meet the Bank’s conditions of borrowing.
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.
Promotional offer from 1.9. until 1.10.2026. refers to all purposes of standard housing loans with a mortgage, except for the purpose of early repayment of loans in the Bank or other banks.
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.
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 or in annuities/installments with repayment in two repayment periods.
Additional benefit
When contracting a loan in equal monthly annuities or in installments 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.
- 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
Why choose a PBZ housing loan?
- The loan amount in mortgage 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 except for loans with repayment in annuities/installments with repayment in two repayment periods
Align your financial commitments
Find out why making financial commitments on time is important.
Look for more information on measures to facilitate loan repayment.
