Cost of purchasing a square of a house can be higher than 1500 euros, but in that case, its difference won't be subsidized

The application for the subsidy of a credit with a request for a mortgage loan is submitted to a selected credit institution.

The decision by which it is established that the applicant of the request meets the conditions for granting a credit according to the provisions of the Law on Subsidizing Residential Credits, together with necessary documents, the selected credit institution, without delay, submits to APN. Applications received from the date of the start of subsidizing the credit will be reviewed according to the time of receipt of full applications in APN, and they will be approved up to the use of planned funds.

Citizens of the Republic of Croatia can apply who are not older than 45 years, who meet the conditions for obtaining a residential credit determined by the credit institution, and who, like their extramarital partners, spouses, and informal life partners, do not have a dwelling, or a house that is in such a state of usability that there are basic hygienic-technical conditions for living or who have a dwelling, or a house in their ownership that is in such a state of usability that there are basic hygienic-technical conditions for living that they sell in order to purchase a larger dwelling or house, or to build a house due to their own housing needs.

Aside from purchasing the first house or flat, a subsidy can also be received for purchasing a larger flat. A smaller flat must be the sole real estate and must be sold within two years. The effective annual interest rate on the first residential credit for the first five years of repayment cannot be higher than 3.75%, and after the first five years of repayment, it can be increased by 10% for the following two years.

The application for the subsidy of a credit must contain the name, surname, residence, and personal identification number of the credit user, as well as the amount of credit requested and the due date of repayment.

Source: living.vecernji.hr

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