Effective interest rates of 2.19 to 3.70 percent.

The Ministry of Construction and Spatial Planning announced on Wednesday that 2,244 applications for subsidized housing loans have been received so far in the current round of submissions. The Agency for Business and Property Mediation (APN) began accepting applications for subsidized housing loans in this round on March 30, and from the Ministry of Construction and Spatial Planning, it is repeated that the first of the two annual rounds of submissions will be open until at least the end of April, while the second round will be announced in autumn. Effective interest rates of 2.19 to 3.70 percent APN announced in early March a list of 13 banks with which an agreement has been signed to provide subsidized housing loans, and the effective interest rates that the banks have offered range from 2.19 to 3.70 percent. The state helps citizens with the program of subsidized housing loans in paying off a housing loan for buying an apartment or a house, or in paying off a loan for building a house, for a period of five years. Anyone under 45 years old who does not own an apartment or a house can apply. Subsidized loans are approved for buying an apartment or a house, or building a house up to a maximum of 1,500 euros per square meter, or up to a maximum loan amount of 100,000 euros in the value of currency. The loan repayment period should not be shorter than 15 years, and the size of the subsidy depends on the development index of the location where the property is purchased or built, and ranges from 30 to 51 percent of the loan interest installment amount. The subsidy period is extended for two additional years for each newborn child during the period of the subsidy, and for an additional year for each child that the person has at the time of applying for a loan. In practice, this means that for a family that already has two children at the time of applying, the subsidy will last seven years instead of five, and if they have another child, the subsidy will last nine years. In three years of implementing approved more than 9,400 subsidized loans, and in families using subsidies, so far almost 1,500 children have been born, data from the Ministry of Construction and Spatial Planning. source: poslovni.hr

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