New, the last round of subsidized housing credit is starting on 20.03.2023. Be prepared in time and pay attention to the following: 1. FINDING THE APPROPRIATE REAL ESTATE The first step in implementing the APN credit is finding the real estate that meets your needs. Think about what are the conditions for buying the real estate: • Choose of the quarter: check the proximity to the content you need: public transportation, schools, kindergartens, shops, parks, playgrounds, parents and friends, and more. • Building age: does the older construction meet your needs or do you want a newly built one, which is the height of mortgage, does additional investment in the building plan. • Characteristics of the apartment: how many rooms do you need, do you want a balcony, yard, loggia, large living space? Do you want an apartment for adaptation or a furnished apartment, and it's also important to know the amount of expenses. • Document orderliness: special attention should be paid to the orderliness of the documents related to registered ownership, construction and use permit, and energy certificate. Opereta real estate offers you a wide range of properties suitable for APN loans (www.opereta.hr) 2. CREDIT RATE COMPARISON Before choosing a bank, pay extra attention to: • The height of the fixed interest rate • The duration of the fixed interest rate agreement • The height of the variable interest rate • The amount of the fixed part of the variable interest rate (bank's margin) • The difference between annuity and rate 3. ADVICE • Do not make a decision on choosing a credit based on the initial interest rate. • Get to know all the terms throughout the entire credit repayment period. For example, if you conclude a 25-year credit agreement where the fixed interest rate is agreed upon for a period of 7 years, you must also pay attention to the terms of the variable interest rate because it is applied to the remaining credit repayment period. • Ask questions and request explanations until you understand, for example, "IRR", "nominal interest rate", and "intercalary interest". Operetta's credit mediator will help you understand the bank's terms, present the conditions of the credit of the banks (our partners), guide you through different credit offers, and direct you to the parameters that affect the cost of borrowing. Written by: Martina Mataić Škugor

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