Product description

Adriatic Bank housing loan is intended for the purchase of a new flat or a flat under construction, for reconstruction or adaptation of property (house or flat) with a maturity of 1 to 10 years.
Another advantage of Adriatic Bank housing loan is approval without life insurance policy of any loan participants if the last annuity is due before the age of 65.

Loan calculator

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Monthly payment

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Total repayment

Loan calculator is for information only where total repayment amount includes only interest cost. All other expenses included in the loan processing are presented within representative example.

Conditions for loan approval

Necessary documentation

Detailed information

Housing loans
Annual nominal interest rate (NIR)
4.95 % – 6.95 % (depending on Borrower’s category)
Annual effective interest rate (EKS)
5.41%
Loan processing fee (charged one-off upon loan disbursement)
Depending on the amount and maturity of the loan, the loan processing fee ranges from €225 to €947
Fee for data use from the CBCG credit register
3.00 EUR
Annual penalty interest
Nominal increased for 50%
Maturity period
Up to 120 months
Representative example
For a housing loan amounting to EUR 50,000.00 and with a repayment term of 120 months, the nominal interest rate (NIR) is 4.95%, while the effective interest rate (EIR) is 5.65%. The calculation of the effective interest rate (EIR) includes the nominal interest rate, a one-time loan processing fee of EUR 750, a fee for 2 bills of exchange (EUR 4.00), a fee for an inquiry to the Credit Register of the CBCG – RKB (EUR 3.00) , the cost of the life insurance policy EUR 221.26 (The amount of the premium is paid once and depends on the client’s state of health), the cost of making a pledge statement (EUR 250), the cost of the fee for obtaining proof of ownership of real estate (EUR 5.00), the cost of registration pledges on real estate (EUR 31.50), cost of property insurance policy (EUR 174.73), cost of real estate appraisal (EUR 80), (Total: EUR 1,519.49). The total amount that the client needs to pay is EUR 64,697.55, while the amount of the monthly annuity is EUR 526.45. The total amount paid by the client represents the sum of principal, total interest and other fees in connection with the loan approval.The amount of the life insurance policy premium is paid once and depends on the health condition of the client. The entrance age taken in the example is 35 years, gender male.The area of the residential building taken in the example is 34 m2, construction value EUR 700 per m2.
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