Subsidizing residential loans goes further! The Ministry of Spatial Planning, Construction and State Property announced on its website the possibility of a new round of subsidization in the first half of March! Contact our mortgage brokerage department, which is completely free for you and allows you to:

information on the loan conditions of several banks in one place
calculating information on creditworthiness
preparation of loan documentation
professional guidance throughout the entire loan process
saving your time and money

NEWS IN 2021. What do the amendments to the Law on Subsidizing Residential Loans bring us:

The new deadline of 31 December 2023 is set, by which the APN announces public calls for each calendar year
The term is clearly defined that subsidies cannot be approved for applicants who have already realized this right earlier
The status of young children for whom additional subsidies are approved as members of the household is clearly defined
The deadline is set for when the loan user and members of the household are obliged to register their residence
The cases in which the repayment of the subsidy funds is not required are regulated, and the sale of an apartment or house is also covered in the event of building a larger house.

CONDITIONS FOR RECEIVING SUBSIDY THE SUBSIDY APPLYING FOR/A SUBSIDY CREDIT USER

a citizen with a residence in the Republic of Croatia
not older than 45 years - at the time of submitting the application, you must not have reached the age of 45
who has no apartment or house, or has only one apartment or house, with the obligation to register it within two years from the date of signing the subsidized loan agreement

LOAN PURPOSE The purchase of an apartment or house, as well as the construction, extension, completion, and reconstruction of a house, the price of which, including VAT, per square meter of useful floor area of the apartment or house, is not greater than EUR 1,500, or the total price of the apartment or house is not greater than EUR 100,000 in kunas, at the average currency exchange rate of the Croatian National Bank. LOAN REPAYMENT TERM – at least 15 years SUBSIDY FOR CREDIT

for the first five years of loan repayment, the state (APN) subsidizes 30 to 51% of the annuity/interest rates, depending on 8 groups of cities and municipalities in terms of development index
possibility of additional term extension for subsidized loan:
for one year for each young child at the time of the APN's decision on the subsidized loan
for two years for each born or adopted child during the period of subsidized loan repayment
for two years in the event that the applicant or a member of their family household is determined to have at least 50% disability

EFFECTIVE INTEREST RATE – must not be greater than 3.75% per annum Author: Martina Mataić Škugor

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