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Credit Conditions Summary for Croatian Nationals Living and Working Abroad, and Foreign Nationals Without Residency in Croatia.

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For Croatian nationals residing and employed abroad, eligible applicants include those with residence and employment in an EU country, a member state of the European Economic Area (EEA) (Iceland, Liechtenstein, Norway), or Switzerland.

Credit Terms for Croatian Nationals Abroad:

• Loan Amount: Up to 80% of the property’s appraised value.
• Maximum Loan Amount: Generally up to €400,000 - €450,000 (loans up to €800,000 may be considered, subject to approval).
• Interest Rate: Current rates range from 3.69% to 4.19%.
• Collateral Requirement: Only available with a mortgage.
• Maximum Age: Up to 75 years, though most banks set a maximum of 67 years.
• Maximum Loan Duration: Up to 30 years.
• Property Insurance: Mandatory.
• Additional Insurance Requirements: Some banks require accident or life insurance.

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Credit Conditions for Foreign Nationals

Foreign nationals are eligible for credit only if they hold EU citizenship. Some banks finance only EU countries where the Euro (€) is the official currency.

• Loan Amount: Typically between 50% and 70% of the property’s appraised value, depending on the bank and loan size (with a minimum 30% down payment required).
• Maximum Loan Amount: Up to €400,000 - €450,000.
• Interest Rate: Current rates range from 3.89% to 4.19%.
• Collateral Requirement: Only available with a mortgage.
• Maximum Age: Up to 67 years.
• Maximum Loan Duration: Up to 30 years.
• Property Insurance: Mandatory.
• Additional Insurance Requirements: Some banks require accident or life insurance.

This summary offers a clear overview of the main lending terms for Croatian nationals living abroad and foreign nationals seeking credit without Croatian residency.