Splitska banka Societe Generale Group

In cooperation with the Agency for Transactions and Mediation in Immovable Properties (APN) we provide loans for the construction and annexing of family houses and the purchase of apartments within the Public Incentive Apartment Housing Construction (POS) program.

• Loan users: Croatian citizens of age with regular monthly income in Croatia according to criteria of cities involved in the POS program
• Funding provided by the Bank:
• Up to 50% of the real property value 
• Obligatory deposit of the buyer (up to 15% of the real property value)
• Credit Administration Fee: 1%, up to 1,000 kuna
• The spouse of the loan user acts as the co-debtor, regardless of the income.
• Standard loan collaterals and documentation – according to General terms and conditions applicable to all loans:
• Bank credit form sheets
• Other documents required to prove the creditworthiness of the loan participants and the credit standing of the employer
• Preliminary agreement on the acquisition of the real property 

Up to 50% of the property value 

• Term: up to 20 years (including grace period)
• Grace period: up to 1 year 
• Interest rate:
• Please click here
• 2.60%during the grace period 
• Loan disbursement: in kuna according to the CNB mean exchange rate on the day of payment, payable to the account of APN
• Loan repayment: according to the CNB mean exchange rate on the day of payment
• Creditworthiness: the monthly loan annuity shall not exceed 1/2 of the debtor’s monthly income or 1/3 of the sum of monthly incomes of the debtor and co-debtor (one or two co-debtors acceptable)
• Additional loan collaterals and documentation:
• Land registry certificate for the collateralized property 
• Right of lien on the credited property 
• Property insurance policy against fire and other risks, registered in favour of the Bank for the entire loan repayment term 

Obligatory deposit up to 15%

• Term: up to 10 years 
• Interest rate: please click here
• Loan disbursement: in kuna according to the Bank’s mean exchange rate on the day of payment, payable to the APN account
• Loan repayment: according to the Bank’s selling exchange rate on the day of payment 
• Creditworthiness: the monthly loan annuity shall not exceed 1/2 of the debtor’s monthly income or 1/3 of the sum of monthly incomes of the debtor and co-debtor (one or two co-debtors acceptable)
• Additional loan collaterals: up to two guarantors