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Lombard loan

  • Without the calculation of the creditworthiness
  • During the term of the loan, it is possible to use the interest due on the deposit
  • The loan amount is at least 90%, and at most up to 110% of the principal amount of the deposit
  • The interest rate is fixed (equal to the interest rate on deposit increased by at least 3,00 p.p. and at most 3,50 p.p.) 
  • Loan currency can be in EUR or EUR with currency clause USD
  • Fee is 0,50%, minimal 13,27 EUR/100,00 HRK, maximum of 132,72 EUR/1.000,00 HRK
  • Repayment term up to 10 years

Representative example of the calculation and the assumptions for the calculation of EIR: 

Loan currency EUR 
Loan amount 15.000,00 EUR
Nominal interest rate*  3,40% fixed
Repayment period 10
Fee (0,5%) 75,00 EUR
Deposit amount 13.500,00 EUR
Monthly annuity 147,63 EUR
Effective interest rate 4,86%
Total amount 17.715,22 EUR

*The nominal interest rate on the loan is 3.40%, and based on a term deposit with an interest rate of 0,40% and with annuity repayment of the loan. 


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