This is why you’ll like it
Excellent terms
Flexibility
Choice of currency
The interest rate is fixed for the entire repayment period, and the amount of the interest rate depends on the repayment period. The interest rate with the lowest credit risk and with the loan amount up to 80% of the estimated value of the real estate is shown. EKS and the total repayment amount are calculated based on the selected loan amount and repayment term, without intercalary interest and additional costs.
For more information, see General information available at www.pbz.hr or at the branch.
The calculation is informative and is not binding for the Bank.
-
Monthly annuityFixed IR monthly annuityHRK- Loan amount - HRK
- Amount to repay - HRK
- Tenor - -
- Interest rate Fixed interest rate - %
- APRC - %
- Loan processing fee - HRK
The calculation was made for repayment in equal monthly annuities.
Customize your loan
Do više energije i nižih računa
Manji računi, više energije uz E.ON kućne solarne elektrane
Kućne solarne elektrane korak su prema energetskoj neovisnosti, manjim računima i izravnom pozitivnom utjecaju na okoliš. Uz snažno europsko iskustvo i preko 130.000 instaliranih kućnih solarnih elektrana diljem Europe, naš partner E.ON može vam ponuditi projektiranje i ugradnju kućne solarne elektrane po modelu „ključ u ruke“.
Kupnju i ugradnju kućnih solarnih elektrana možete financirati PBZ Energo stambenim kreditom za poboljšanje energetske učinkovitosti vašeg doma bez hipoteke do 40.000 EUR uz fiksnu kamatnu stopu za cijelo razdoblje otplate kredita.
Više informacija o prednostima ugradnje kućnih solarnih elektrana potražite na www.eon.hr.
Align your financial commitments
- Grace period of up to 12 months
- Up to 10% of loan amount is disbursed in cash for covering costs and cost reimbursement relating to borrowing
- Instalments enable you to repay your loan with less of an interest burden
- Possibility to contract a grace period ("skip") of the monthly annuity or installment during the loan repayment
Loan users
Any physical person (residents) who meets the Bank’s conditions of borrowing.
Loan purpose and amount
Purpose of the loan
- purchase of a residential property with a higher energy rating, A, A+ and B, purchase of a residential property with improved energy efficiency
- new construction, expansion, addition, completion of low-energy and passive houses
- land purchase and construction of new low-energy or passive houses
- improvement of energy efficiency of the existing buildings
- for loans granted for expansion, addition, improvement of energy efficiency, or completion, it is not required that he loan user is owner of the property at the same time (with the proviso that he/she is related by blood or by marriage with the owner)
- down-payment for a purchase of a residential property with a higher energy rating, A, A+ and B,
- refinancing of Energo housing loans or standard housing loans if evidence is provided that the property under the loan belongs to A, A+ or B energy efficiency class, or that this is a low-energy or passive house, with the following options:
- the currency of the loan (HRK loans or with EUR currency clause),
- interest rates:
- fixed interest rates for the entire repayment period or
- variable interest rates for the entire repayment period or
- fixed interest rates for a specific period (5 or 10 years) followed by variable interest rates.
Loan amount
- HRK 150,000 to 2,300,000 or EUR 20,000 to 350,000 in the HRK counter value for all purposes with the institution of a lien (except for improvement of energy efficiency)
- HRK 150,000 to 535,000 or EUR 20,000 to 70,000 in the HRK counter value for the purpose of improvement of energy efficiency (with the institution of a lien)
- HRK 37,500 to 300,000 or EUR 5,000 to 40,000 in HRK, without a lien and a with a down-payment for the purchase of higher energy class real estates, A, A+ or B
The loan amount also depends on the total commitment, and in addition to that, for loans insured with a lien, the amount depends on the appraised property value.
Credit period and manner of repayment
Repayment period
- 5 to 30 years for loans with an institution of a lien
- 5 to 10 years for loans with a fixed interest rate
- a combination of fixed interest rate during the 60 or 120 months period and variable interest rate during the remaining repayment period
Grace period
- up to 12 months and included in the repayment period
Manner of repayment
- repay your loan in equal monthly annuities or monthly installments
- the loan user can pick a day of the month on which his/her obligations fall due
- a loan is repaid in the HRK counter value under the Croatian National Bank’s middle exchange rate for EUR valid on the day of payment.
Additional benefit
When contracting a loan the borrower may agree on a grace period ("skip") of the monthly annuity/installment during the loan repayment period, free of charge. The request for activation of the "skip" can be submitted once a year with a written request, provided that the conditions are met.
Instalments or annuities?
Installments enable you to repay your loan faster and with less interest expense.
Additional benefits
- up to 10% of loan amount is disbursed in cash for covering costs and cost reimbursement relating to borrowing
- a loan for improving the energy efficiency, complete, expand, annex, renovate, or new construction can be paid up to 70% in cash
- optional 18-month respite (deferral of payment) during maternity leave without interest payments can be contracted
