Green Housing Loan

Special benefit: free appraisal till June 30, 2025 for Green loans, if appraiser is ZANE.

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.).

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

1. Fixed interest rate for entire loan repayment period
2. NEW: Intended for construction, extension, completion and reconstruction of a family house with the future value of the property, without the need for a replacement property
3. 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)
4. The cost of appraisal of the property by ZANE agency is borne by Zagrebačka banka
5. The possibility of arranging a grace period (moratorium) during parental leave
6. Use m-zaba to monitor the repayment and number of remaining loan instalments