The total housing loan will consist of two parts, namely the bank's funds and the APN loan.

The Agency for the Promotion of Economic Transactions and Property Agency (APN) is implementing public consultation on the "POS+" programme for promoting the sale of apartments, aimed at assisting protected tenant buyers in resolving their housing issue with state-funded resources, as well as easing citizens' access to acquiring their first property. The "POS+" programme is intended for the purchase of existing apartments on the market through a unique credit line, and dividing the loan repayment into two parts, due to the interest rate, ultimately resulting in significant savings, according to a statement from the Ministry of Physical Planning and Construction. The programme's benefits, they emphasize, are reflected in a more favourable interest rate on bank credit funds with which the APN has business cooperation compared to commercial loan conditions, followed by a more favourable interest rate on public funds, monthly savings on the annuity compared to commercial loans, and ultimately in total savings in the paid amount after repayment. Encouraging the sale of apartments, as stated in the programme, will be carried out through the granting of loans for the purchase of an apartment to resolve the housing issue, using public funds, in cooperation with business banks and housing savings banks with which the APN concludes an agreement on business cooperation in terms of lending, or approving housing loans to citizens. The total housing loan will consist of two parts, namely the bank's funds and the APN loan. The repayment of bank funds and the APN loan will be carried out in two installments in such a way that the bank's credit funds are repaid first, and after paying the credit debt to the bank, the APN loan is repaid. During the wait for the APN loan repayment, interest of one percent will be calculated, which will be added to the principal. Public funds used to implement this programme will be ensured in the state budget at the position of the Agency for the Promotion of Economic Transactions and Property Agency, in line with the annual plan of the Programme for Socially Stimulated Construction. According to the programme, the loan is granted to a physical person, a Croatian citizen, who does not have an ownership of a suitable property for their own residence. Priority in granting the loan have protected tenants who use an apartment owned by physical persons. At the same time, the loan is granted only for the purchase of apartments built in a building with an approval for use and which, as separate parts of the property, are entered in the land register. Similarly, credit is granted for the purchase of other premises - garages and parking spaces - which form a separate functional unit and are purchased with an apartment, in accordance with the spatial plan, forming a building unit with the building in which the apartment is located. The "POS+" programme for promoting apartment sales on the market, which is in public consultation until the end of October, presents a revised version of the existing programme, which has been in operation since 2013, according to the Ministry.

http://www.poslovni.hr/

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