Začetek novega cikla subvencioniranih stanovanjskih kreditov je 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. _Čas je, da poiščete stanovanje, hišo ali gradbeni zemljišče_ 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. Dobro je vedeti:  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 Višina subvencije je odvisna od dveh kumulativnih pogojev: 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. Primerjajte pogoje več bank Kako izbrati najboljšo možnost? Na kaj morate biti pozorni? 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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