Zaba is offering reduced interest rates from 20. 10. to 19. 12. 2025. with which you can more easily solve your housing issue or refinance an existing housing loan from another bank.
- The interest rate is fixed for the entire loan repayment period and is 2.99% (EIR 3.28%)*
- No cost for one property appraisal from ZANE
- You can request an informative offer through your m-zaba, without going to a branch. Check in m-zaba under Products / Housing Loan
Dream in your own home! A housing loan is the solution for your housing needs - whether you are buying an apartment, building a house or renovating a property.
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.
Here you can find out about all the details related to loan repayment life insurance.
Benefits
- Fixed interest rate for the total 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 possibility of arranging a grace period (moratorium) during parental leave
- Use m-zaba to monitor your repayment schedule and the number of remaining instalments
* Typical example: For a loan in the amount of EUR 70,000, a fixed interest rate of 2,99% for the entire loan repayment period, a repayment period of 30 years, 360 monthly annuities, repayment in annuities including the costs of real estate fire insurance premiums and the loan user insurance policy against the consequences of an accident and maintaining a current account for one month, the effective interest rate is 3,28%. The monthly annuity is EUR 294,76. The total amount that the client needs to pay is EUR 109.494,61.
Conditions
- A natural person (existing and new client), resident, who meets the Bank creditworthiness requirements (optional co-borrowing).
- Loan amount: up to EUR 700,000*
- Housing loans without collateral up to EUR 40,000
- Loan repayment period: from 5 up to 30 years**
* The loan amount depends on the client's business relationship and the assessment of their credit risk.
** Loan repayment period from 10 up to 30 years for housing loan with mandatory life insurance contract loan repayment (CPI)
Prices
Reduced interest rates until December 19, 2025:
- Interest rate: 2.99%*
- Interest rate: 2.95% fixed for the entire repayment period (with loan repayment life insurance)**
- Interest rate: 3.69% fixed for the total repayment period with the purpose of construction, completion, extension, reconstruction with the future value of the property***
* Typical example: For a loan in the amount of EUR 70,000, a fixed interest rate of 2,99% for the entire loan repayment period, a repayment period of 30 years, 360 monthly annuities, repayment in annuities including the costs of real estate fire insurance premiums and the loan user insurance policy against the consequences of an accident and maintaining a current account for one month, the effective interest rate is 3,28%. The monthly annuity is EUR 294,76. The total amount that the client needs to pay is EUR 109.494,61.
** Typical example: For loans in the amount of EUR 70,000, fixed interest rate of 2,95 % for the entire loan repayment period, with a repayment period of 30 years, 360 monthly annuities, repayment in annuities including the costs of real estate fire insurance premiums and credit protection life insurance (CPI) and maintaining a current account for one month, the effective interest rate is 3,63 %. The monthly annuity in the first repayment period is EUR 293,25. The total amount to be repaid by the client is EUR 114.322,87.
*** Typical example: For loans in the amount of EUR 70,000, fixed interest rate of 3,69 % for the entire loan repayment period, with a repayment period of 20 years, 240 monthly annuities, repayment in annuities including the costs of real estate fire insurance premium and the loan user insurance policy against the consequences of an accident and maintaining a current account, the effective interest rate is 4,24 %. The monthly annuity in the first repayment period is EUR 412.85. The total amount to be repaid by the client is EUR 103,135.74.