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Which type of loan and how much money can I get?

Financing in the palm of your hand

Did you know that you can check the loan amount you could get in your m-zaba?

If you have regular income paid into your ZABA current account it will take you only a few steps in your m-zaba to get an informative calculation of the housing or cash loan you could be approved.

  1. In m-zaba, select Products > My borrowing options
  2. Then select the type of loan (mortgage, cash)
  3. By selecting the calculation view, find out the loan amount you can get

Without having to submit additional data and documents, the calculation is in the palm of your hand.

If you have not received an informative calculation, please consider additional options, such as income recognition, co-debtors, etc. Schedule a video meeting or a meeting at the branch closest to you.

The decisions on loan approval and total loan amount for disbursement are made after the loan processing procedure is completed.

Did you know that m-zaba is the fastest way of getting an informative offer for a housing loan?

  • In m-zaba, select Products > Housing loan.
  • Select I want a calculation.
  • After answering a few short questions, an informative offer will appear on your screen.

IMPORTANT! 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 3.49% 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 insurance policies for the loan beneficiary against the consequences of an accident and the assessment of the value of the property and keeping a current account, the effective interest rate is 3.86%. The monthly annuity is EUR 405.62. The total amount that the client needs to pay is EUR 99,974.91 .

Did you know that you can arrange a cash loan in m-zaba?

  • Contract a cash loan of up to EUR 20,000 without going to a branch or start the process of contracting a loan of up to EUR 40,000.

Representative example: With a fixed interest rate of 5.49% 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 6.99%. The monthly annuity is EUR 143.66, and the total amount that the client needs to pay is EUR 12,534.01.