See the effective interest rates of banks (still unofficial) for subsidized residential loans below.

Effective interest rate represents the real cost of the loan. EKS includes the nominal interest rate, fees, insurance, deposit, and other directly-related expenses.

We would like to remind you that EKS is not the most important factor in choosing the best loan conditions, as banks do not include the same values in the calculation.

See nominal interest rates, interest rate fixity, fixity period, reference interest rate at the applicable interest rate. Banks have differences in creditworthiness estimation, property value to credit ratio, transfer obligation, insurance premium payment.

For the best loan comparison, contact our loans intermediary via email at kreditiranje@opereta.hr and be ready and carefree when purchasing your property!

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