- 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.