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. The amount of housing loans can be granted for a 10% higher amount compared to the amount of the Purchase contract (if it does not affect the ratio of the estimated value of the mortgage assets and the amount of the requested loan). This difference can be paid directly to the client’s account.
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


Monthly payment


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)
Loan processing fee (charged one-off upon loan disbursement)
0,50 % – 2,00 %
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 housing loan amounting to EUR 50.000,00 EUR and repayment period of 120 months, nominal interest rate (NIR) shall amount 4,.95% while effective interest rate (EIR) shall amount 5.41%. The calculation of the effective interest rate (EIR) includes the nominal interest rate, one-time fee for loan processing of 0.50% of the loan amount (EUR 250.00), fee for 2 bills of exchange (EUR 4.00), fee for inquiry in the Credit Register of MN (EUR 3.00), cost of life insurance policy in amount of EUR 221.26 (Premium amount is paid once and depends on the client’s health condition), cost of creation a pledge statement (EUR 250), cost of obtaining the proof of ownership over real estate (EUR 5.00), the cost of inscribing a pledge on real estate (EUR 31.50), the cost of a property insurance policy (EUR 174.73), the cost of real estate evaluation (EUR 800), (Total amount: 1.019,99 EUR). Total amount which client shall pay is 64,352.33 EUR, while monthly annuity amounts to 526.45 EUR. Total amount which client shall pay represents sum of the principal, total interest and other fees concerning the loan approval.

The amount of the premium of the life insurance policy is paid once and depends on the health condition of the client. The age is taken in the example where gender is male, 35 years.

The surface of residential building taken as the example is 34 m2, with construction value of 700 EUR per m2.
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