Familiar were the conditions of bank credit in the new round of subsidized residential credits. In the subsidized residential credit program, 12 banks have signed up. Certain banks have provided several credit models in which they combine the height of the fixed interest rate and the term of the fixed period.

Effective interest rates range from 3.12% to 3.75%.
Nominal interest rates range from 2.50% to 3.50%.

The period of fixity ranges from the first 5 years of loan repayment to the duration of the subvention, up to 30 years, with varying interest rates.

How to compare bank conditions? Effective interest rate represents the total cost of the loan. The height of the EIR depends on the height of the interest rate, the loan repayment term, the fixed and variable interest rate period, real estate insurance policy, and other factors. However, having the lowest EIR is not a guarantee that you have chosen the most favorable residential credit! It is necessary to study and compare other credit conditions, for example:

Client status ( implies payment of regular remunerations to the bank) - if the bank requires client status, it is necessary to open a bank account and direct regular remunerations to that bank
Height of fixed interest rate and how many years the interest rate is fixed
Height of variable interest rate after fixed period, fixed part of variable interest rate and reference interest rate
Loan repayment plan for repayment in installments and for repayment in installments
If the purchase price is higher than 100,000 EUR or 1,500 EUR/m² net usable area, it is necessary to check under which conditions the bank approves residential credit for this difference (at the same interest rate as for subsidized credit or at regular interest rate).

Subsidized credits are approved for at least 15 years, so it is necessary to consider all elements. For the preparation of the best offers for your needs, contact: Phone: +38513820050 Email: office@opereta.hr Instagram: opereta_kreditnoposredovanje Facebook group: APN KREDITI – All in one place Fill in our loan application: https://lnkd.in/dG6fi-Un Martina Mataić Škugor Opereta kreditno posredovanje

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