Which banks cover real estate financing/lending in Croatia?"

Šime Unić
Which banks cover real estate financing/lending in Croatia?"

Numerous banks in Croatia offer real estate lending services. Before choosing, research all the options available to you, compare conditions and interest rates.

Buying real estate is one of the most important decisions that people make at least once in their lives. It usually boils down to financing through loans, and fortunately there are quite a few banks in Croatia that provide such services, i.e. cover real estate lending. Below is a short list of banks in Croatia that offer real estate financing or lending.

Croatian Post Bank (HPB)

HPB is one of the largest banks in Croatia that offers various financing options; among others, loans for the purchase of real estate. The bank offers competitive interest rates and flexible loan terms. You can choose a home loan with a variable interest rate, a loan with a combination of interest rates or opt for a home loan without a mortgage. In addition, you can consult with experts who will give you useful advice and support in choosing the best financing option for the purchase of your property.

Privredna banka Zagreb (PBZ)

PBZ is one of the most famous banks in Croatia that also provides loans for real estate financing. The bank provides customized credit programs for the various needs of real estate buyers. Therefore, you can choose between PBZ housing loans for young people intended for resident natural persons, and there are also housing loans for citizens of the euro area.

Erste Bank

Erste banka offers different types of housing loans with competitive interest rates and flexible repayment terms. Make an appointment at the branch, prepare all the questions you need answered and choose a tailor-made loan. It is important to note that users of housing loans can obtain additional benefits.


Raiffeisenbank is an international bank that also operates in Croatia. It offers various housing loan options adapted to the needs of clients. In addition, you can take out a new loan to refinance existing loans or home loans with more favorable repayment terms. The benefits offered by Raiffeisenbank refer to more favorable loan terms without the cost of repayment insurance, then to fixed interest rates during the entire repayment period, and to the simple implementation of loans for adaptation.

OTP Bank

OTP banka offers four types of real estate financing loans: housing loans with a fixed interest rate, housing loans for construction, housing loans for seafarers, and housing loans without a mortgage that you can use to buy/renovate real estate, to refinance an existing housing loan, etc.

The bank provides different types of housing loans with competitive interest rates and flexible repayment terms. Real estate buyers can get advice from experts at OTP bank to find the best solution for their financial needs.


Sberbank is a bank that offers a wide range of financial services, including real estate loans. The bank provides various home loan options with competitive interest rates and favorable repayment terms. They also offer the possibility of refinancing existing loans in order to reduce the clients' monthly obligations.

It is important to note that terms and interest rates vary depending on the client's individual circumstances and the characteristics of the property being purchased. Before making a decision on real estate financing, we recommend that you consult with experts or agents from real estate agencies to find the best option that fits your financial needs and goals.

The advantages of financing the purchase of real estate with loans

Financing or lending real estate in Croatia brings several advantages that attract individuals, and they specifically refer to:

Access to a larger amount of financial resources: a loan allows you to buy a property without having to have the full amount of cash.

Even distribution of costs: financing real estate with a loan allows you to spread the cost over several years. Instead of paying the full amount all at once, you will repay the loan regularly over a period of time that you have decided on. This greatly facilitates the purchase or financing of the purchased property.

Increasing liquidity: using a loan to buy real estate can allow you to maintain more liquidity. Instead of investing all your money in real estate, you can have it available for emergencies or invest it in other opportunities.

Increase in assets: financing real estate with a loan allows you to acquire assets. We are all well aware that the real estate market is changing. Accordingly, if the real estate market rises, you will benefit from an increase in the value of your property and realize a capital gain.

Tax benefits: In some cases, paying off your mortgage allows you to have certain tax benefits.

It is important to note that there are several risks associated with real estate lending. It is important to thoroughly study the terms of the loan and the interest rate and evaluate the costs in order to make the right decision that best suits your financial situation. It is also important to consider any changes in interest rates or the real estate market that may also affect your financial obligations.

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