Loan users
All creditworthy citizens of Croatia who are the Bank's
customers or receive their salaries through current
accounts-interest rate equals 8,0 %, changeable and, for
others, interest rate equals 10,5%, changeable. In case a loan user is no longer a saver of the Bank, (salary payments
trough his current account, if he closes his giro account, operating
account, kuna and foreign connect savings) he will be
automatically charged interest rate for other customers
(10,5%) and, vice versa, should he in the meantime
become a saver of ours, he will be charged the interest rate
valid for savers (8,0%).
Scope:
Housing loans for completion, annex building,
reconstruction and adaptation of housing
facilities are granted in amounts totaling from euro
16.000,00 to 30.000,00, on up to 10 year repayment terms (70% of amounts determined in investment studies).
Use pay payout of loans:
The loan payout is carried out in kuna counter value at
the mean exchange rate of the Bank ruling on a particular
day. The loans are contracted with a euro foreign
currency clause, i.e. loan payables are calculated at
the mean rate for euro on the payment date.
The Bank can pay the whole amount of loan granted
to the user's account with fee for cash payout (up to 50% of
loan paid fee- 1%, above 50% with 1,5% fee).
Creditworthy is the person whose
monthly loan payables do not exceed 1/2
of his permanent non-burdened monthly income.
To the
loan applicant's creditworthiness can be included
other creditworthy persons with their incomes. In the capacity of a co-debtor, these are
considered creditworthy
if their monthly loan payables do not
exceed 1/2 of their permanent non- burdened monthly
income.
Within on loan request can appear only person employed by
different employers as well as one pensioner, artisan,
person employed by an artisan or a person realizing income
form independent activity. The sum of years of age and loan repayment
term must not exceed 75 years (valid for all loan
participants).
Loan repayment security:
- Hypothecation or mortgage over a real estate in
favour of the Bank (1:1 ratio)
- Police of insuring a real estate against fire and other
dangers, vinculated by the owner in favour of the Bank
- Family bill of exchange ( with a property list)
- For loans contracted without a
grace period, the first installment matures in the month following
the grace period expiry.
- With loans contracted
with 6 and 12 grace periods (the repayment term is included the grace
period), the first installment matures in the month following
the grace period expiry. During the grace period, interest
is calculated and charged monthly .
| |
Repayment term |
| EUR |
Interest rate |
5 years |
6 years |
7 years |
8 years |
9 years |
10 years |
|
| 16.000,00 |
8% |
324,42 |
280,53 |
249,38 |
226,19 |
208,30 |
194,12 |
|
| 18.000,00 |
8% |
364,98 |
315,60 |
280,55 |
254,46 |
234,34 |
218,39 |
|
| 20.000,00 |
8% |
405,53 |
350,66 |
311,72 |
282,73 |
260,37 |
242,66 |
|
| 22.000,00 |
8% |
446,08 |
385,73 |
342,90 |
311,01 |
286,41 |
266,92 |
|
| 25.000,00 |
8% |
506,91 |
438,33 |
389,66 |
353,42 |
325,47 |
303,32 |
|
| 28.000,00 |
8% |
567,74 |
490,93 |
436,41 |
395,83 |
364,52 |
339,72 |
|
| 30.000,00 |
8% |
608,29 |
526,00 |
467,59 |
424,10 |
390,56 |
363,98 |
|
|
|
REMARK:
With premature loan repayment no fee is charged.
|
|
|
 |
|
Applicable
as of:
4.2.2012.
|
|
|
| curr. |
|
buying |
mean |
selling |
| AUD |
1 |
6,053832 |
6,158527 |
6,263222 |
|
| USD |
1 |
5,666036 |
5,752321 |
5,838606 |
|
| CHF |
1 |
6,195537 |
6,289885 |
6,384233 |
|
| EUR |
1 |
7,518054 |
7,578683 |
7,631734 |
|
| GBP |
1 |
8,978834 |
9,115568 |
9,252302 |
|
| CAD |
1 |
5,662698 |
5,760629 |
5,858560 |
|
|
|
| Complete foreign exchange list |
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