_{Issuing an informative offer confirms that on the day of issue, the client meets the prerequisites for submitting an application for a housing loan at Zagrebačka banka. The approval of a housing loan based on the issued offer can only be realized with the mutual consent of Zagrebačka banka d.d. and the loan applicant, if the loan applicant completes the submitted loan application with the necessary documentation and loan repayment instruments in accordance with the lending conditions of Zagrebačka banka d.d. valid at the time of loan approval.}

_{A representative example for a housing loan secured by a mortgage on a residential property: For a loan in the amount of EUR 70,000, with a fixed interest rate of 3.85% for the entire loan repayment period, repayment term 20 years, 240 monthly annuities, repayment in annuities with premium costs included property insurance against fire and loan repayment life insurance (CPI) and keeping a current account, the effective interest rate is 4.82%. The monthly annuity is EUR 418.68. The total amount that the client needs to pay is EUR 108,380.05.}

_{Representative example: With a fixed interest rate of 6.09% per year, repayment term 84 months, repayment in annuities with included fee for maintaining a current account in euros for one month and with loan repayment insurance (CPI), without loan processing fee, the effective interest rate (EIR) for a loan of EUR 10,000 is 7.64%. The monthly annuity is EUR 146.53, and the total amount that the client needs to pay is EUR 12,779.57. The interest rate refers to repayment terms over 60 months.}