New Round of Subsidy for Housing Loans Announced in September

This may be the last round of the subsidy program, given the Law on Subsidizing Housing Loans limited its application to December 31, 2020.

It's Time to Choose Your Home!

When selecting a property, please note whether the property meets the bank's requirements for obtaining a housing loan, as well as the additional conditions stipulated by the Law on Subsidizing Housing Loans.

Price per m2 of Net Useful Surface Area up to €1,500

Subsidizing housing loans is approved for the purchase of an apartment or house up to a maximum of €1,500 per m2. Example: if the NKP (Net Korisna Površina) is 60 m2, the price is €1,600 per m2, the sale price is €96,000.

APN will subsidize €90,000 = €1,500 (maximum price per m2) x 60 m2 (NKP).

Unlike maximum €6,000, the bank will approve a housing loan that is not subsidized.

Subsidized Credit Amount up to €100,000

Subsidizing housing loans is approved for a loan amount not exceeding €100,000. Example: if the NKP is 70 m2, the price is €1,500 per m2, the sale price is €105,000.

APN will subsidize the loan up to €100,000.

Unlike maximum €5,000, the bank will approve a housing loan that is not subsidized.

Proof of Ownership

The property must have a valid ownership certificate, accompanied by an Extract from the Land Registry Books.

The Law on Subsidizing Housing Loans does not provide for the subsidization of apartments under construction.

Statement of Intent

A Statement of Intent is a mandatory document required by APN, in accordance with the mentioned Law.

In previous subsidy tranches, the most challenging part was collecting the Statement of Intent! Common customer questions include: What is the Statement of Intent, how to obtain it, is the documentation valid, does it require a notary's seal of authenticity.

We're Highlighting Offers of Properties that Meet the Conditions for Subsidized Housing Loans

Check out our full offer of apartments and houses on our website www.opereta.hr

Author: Martina Mataić Škugor

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