MINISTRY INVITES PUBLIC COMMENT ON PROPOSAL FOR LAW AMENDMENTS AND SUPPLEMENTS TO THE LAW ON SUBSIDIZING MORTGAGE CREDIT WHICH DETERMINES THE NEW DEADLINE BY 31 DECEMBER 2023 AND OTHER MATTERS.

Zakon o subvencioniranju stambenih kredita („Narodne novine“, broj 65/17, 61/18 i 66/19) donesen je u svrhu poticanja demografske obnove društva, urbane regeneracije naselja te smanjenja iseljavanja mladih obitelji a njime se propisuje davanje pomoći građanima prilikom rješavanja stambenih pitanja, kupnjom stana ili kuće, odnosno gradnje kuće, putem subvencioniranja stambenih kredita. The amendments brought by the new law:

Set a new deadline by 31 December 2023 for the Agency for Real Estate Management and Brokerage to announce public calls for every calendar year.
Clearly defines that subvention of credits is not approved for applicants who have already exercised this right earlier.
Clearly defines the status of young children for whom additional subvention is approved as members of the household.
Regulates the deadline by which users of credit and members of the household are obliged to have a registered address.
Regulates cases in which repayment of the subsidy amount is not required and extends it to the sale of an apartment or house in the case of building a larger house.

The interested public can submit their opinions, proposals and comments by the deadline of 7 December 2020 by registering in advance, through the eSavjetovanja portal. Note that the subvention of mortgage credit is a housing rehabilitation program, as part of which the state, or rather the Ministry, along with the APN, help pay off part of the mortgage credit when purchasing an apartment or house, or when repaying the credit for building a house, over a period of five years. The program has been successfully implemented since 2017, annually, with the exception of this year when two public calls were announced, one in April, and the submissions for this latest call were possible from 28 September to 19 October 2020. The last call received 4,651 applications. 4,061 applications have so far been processed, of which 3,600 were approved, 440 required further information, 7 were rejected and 14 applicants withdrew their application. Anyone under the age of 45 who does not own an apartment or house can apply. The subvention of credit is granted for purchasing an apartment or house or building a house, up to a maximum of €1,500 per square meter or up to a maximum credit amount of €100,000 in kunas. The credit repayment term must not be shorter than 15 years. The amount of the subvention depends on the index of development of the location where the property is purchased or built, and ranges from 30% to 51% of the credit rate amount. Those who purchase an apartment or house or build a house in the least developed areas receive the highest subventions, while 30% of the monthly credit rate is paid to those who decide to purchase or build a property in urban centres such as Zagreb. This measure is also a demographic measure as the subvention is extended by an additional two years for every live-born or adopted child in the period of subvention of credit. In addition, the subvention is extended by an additional year for each child in the family who, at the time of submitting the application for subventions, is not older than 18 years. The public has already recognized this measure as of high quality and the fact that 16,611 subvention credits have been approved in the four years of implementation, and that more than 2,000 children have been born in families that use the subventions, is a testament to its success.

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