HR
HR
Yes, provided that the amount for replacing windows on the bill of quantities (measures to increase energy efficiency) equals more than 50% of the total cost of adaptation.
Green Housing Loan
Green Home Loan is intended for investments in green building and increasing energy efficiency of residential properties.
It is approved for:
- purchase or construction of a low-energy residential property of energy classes A+ or A,
- increasing energy efficiency of a residential property (installation of renewable energy systems: biomass systems and heat pump systems, thermal façade, roof replacement, installation of exterior low-e glass windows and doors, purchase and installation of solar systems, etc.).
- The cost of one appraisal is paid by the Bank if the appraiser is ZANE
For loans secured by immovable property collateral (real estate), it must be adequately valued by an appraiser authorized to conduct appraisals in accordance with the positive regulations of Republic of Croatia. The final market value appraisal report must contain at least the elements specified in the document Important elements of the real estate appraisal (listed in the documentation attached to this product). News in the preparation of the real estate appraisal report from January 1, 2024.
Benefits
- Fixed interest rate for entire loan repayment period
- Increase of the loan amount up to 5%, a maximum of EUR 7,000 for the purpose of reimbursing the costs for the realization of the loan (supporting documentation needed)
- The cost of appraisal of the property by ZANE agency is borne by Zagrebačka banka
- The possibility of arranging a grace period (moratorium) during parental leave
- Use m-zaba to monitor the repayment and number of remaining loan instalments
Arrangement
Of course it is. A thermal façade, insulated roof truss, three-layer windows and high-quality entrance door on a family house can significantly reduce heating energy consumption, depending on the initial state of the property and its location.
To live more comfortably in the inherited house, with smaller monthly utility costs, you can use a Green loan to finance the set-up of the façade, installation of new joinery, replace the heating system with a more energy efficient one and install solar thermal converters.
Yes, provided that the amount for setting up the façade on the bill of quantities (measures to increase energy efficiency) equals more than 50% of the total cost of adaptation.
Property valuation is the process determining the market value of certain real estate property. Property valuation is required when granting all loans that prescribe pledge transfer of ownership rights on a property as the security instrument (mortgage).
Use
You have the right to prepay, in part or in total, your obligations under the loan agreement at any time, without paying any costs or interest referring to the remaining duration of the loan agreement.
Intercalary interest is interest that is calculated and charged on the amount of a granted loan from the date when the loan is granted until the start of loan repayment. It is usually calculated according to the rate and method used for regular interest.
For example: if the loan was granted on 10 August, and loan repayment is agreed on the 1st of the month, intercalary interest is calculated from 10 August until 31 August.