Subsidisation of housing loans

Friday, 5 October 2018 was the last day for submitting applications for housing loan subsidisation for purchasing an apartment or house or building a house. This measure of providing housing care for the youth has surpassed all anticipations, since as much as 3033 applications were received, exceeding thereby last year’s interest.

The subsidisation conditions are regulated by the Act on Housing Loan Subsidisation and the Instruction on the method of work of the Agency for Transactions and Mediation in Immovable Properties (APN) in Implementing the Act on Housing Loan Subsidies, and young people will again be able to apply for subsidised housing loans in autumn 2019, as well as in 2020. The beginning and end of calls for applications for loan subsidisation is announced by APN.

Last year, which at the same time was also the first year of implementation of this housing provision measure, 2320 applications were approved, and in these homes more than 250 children were born.

This year, the number of young people who have applied for this housing provision measure has increased by 26 percent as compared to last year. The duration of the housing loan subsidy is five years and it is extended by two years for each newborn.

The subsidies vary between 30 up to 51 percent, depending on the development index. The highest subsidies are granted to those who intend to buy an apartment or house or build a house in the most undeveloped regions, whereas 30 percent of the monthly loan instalment is granted to those who have decided to buy or build a property in urban centres like Zagreb.

The decision on granting loan subsidisation is passed by the Agency for Transactions and Mediation in Immovable Properties, after having established, by inspection of the decision and documents submitted by the selected lending institution, the fulfilment of the respective prescribed legal requirements.


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