Start of New Cycle of Subsidized Housing Loans is 20.03.2023 This is also the last round, given that the Law on Subsidizing Housing Loans has limited the application of this program to 31. December 2023. _It's Time to Find a Flat, House or Building Land for Construction_ When choosing a property, you need to pay attention to whether the property meets the conditions required by the bank for obtaining a housing loan, as well as additional conditions prescribed by the Law on Subsidizing Housing Loans. It's good to know:  the property must have a regular ownership title (with a housing loan application, you must also attach an Extract from the Land Registry Books)  apartments under construction are not subsidized, unless the building has been constructed until the top floor and/or has a usage permit  the Act on the Use of the Facility is a required part of the documentation required by the APN The amount of subsidy depends on two cumulative conditions: 1. Subsidization of housing loans is approved for the purchase of a flat or house up to a maximum of 1.500 EUR/m2 2. Subsidization of housing loans is approved for a loan amount not exceeding 100.000 EUR. Compare the conditions of several banks How to Choose the Best Option? What to Pay Attention to? Before making a decision on the choice of bank:  compare the conditions of several banks (e.g. nominal and effective interest rates, reference interest rate, duration of fixed interest rate, loan repayment term)  learn all the credit conditions, up to the end of the loan repayment term (e.g. credit conditions after the expiration of the fixed interest rate period)  request clarification of bank terms (e.g. annuity, rate)  do not make a decision on choosing a bank based on the initial interest rate It is essential to inform yourself and consider all the financing conditions. Only in this way will you be able to properly choose what is best for you! Author: Martina Mataić Škugor, Opereta Kreditno Posredovanje

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