Housing savings

Purchasing your own home is a large investment. Government incented housing savings system is the main instrument for younger people to achieve their goals by providing them with favourable loans.

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The system of housing savings has existed in Croatia for more than 10 years and has proven to be an important element of a stable, long-term financing of housing needs for the general population. The main goal is to raise the quality of housing for all Croatian citizens.

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Housing savings system in Croatia is closely related to the systems introduced in countries in the immediate environment such as Austria, Czech Republic, Slovakia, Germany, Romania and Hungary. Systems in these countries, as well as in Croatia, were established as an important element of housing strategy policy.

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Government incentives are needed to make housing savings an attractive savings product for the citizens and to building societies in the accumulated funds from which it is possible to grant a favorable long-term loans with fixed interest rates.


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