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Lombard loan

  • Without the calculation of the creditworthiness
  • During the term of the loan, it is possible to use the interest due on the deposit
  • The loan amount is at least 90%, and at most up to 110% of the principal amount of the deposit
  • The interest rate is fixed (equal to the interest rate on deposit increased by at least 3,00 p.p. and at most 3,50 p.p.) 
  • Loan currency can be in EUR or EUR with currency clause USD
  • Fee is 0,50%, minimal 13,27 EUR/100,00 HRK, maximum of 132,72 EUR/1.000,00 HRK
  • Repayment term up to 10 years

Representative example of the calculation and the assumptions for the calculation of EIR: 

Loan currency EUR 
Loan amount 15.000,00 EUR
Nominal interest rate*  4,50% fixed (3,00% spread** and 1,50% interest on deposit)
Repayment period 5
Fee (0,5%) 75,00 EUR
Deposit amount 13.500,00 EUR
Monthly annuity 279,65 EUR
Effective interest rate*** 5,45%
Total amount**** 16.778,68 EUR

*The nominal interest rate on the loan is fixed and amounts to 4.50%, and on the basis of a term deposit with an interest rate of 1.50% for a period of 61 months, a spread in the amount of 3.00% and with an annuity repayment of the loan

**spread - the difference between the interest rate on the loan and the interest rate on the deposit

***EIR is calculated on the specified amount of the loan, with the specified repayment term plus a loan processing fee of 0.50% of the loan amount and intercalary interest for the whole month 

****the total amount to be repaid includes the principal amount of the loan, and the interest calculated until the end of the loan repayment increased by the amount of intercalary interest for the whole month and the loan processing fee 0.50% of the loan amount

Intercalary interest is equal to regular interest, it is calculated on the used part of the loan until the loan is put into repayment, and it is charged immediately when the loan is disbursed.

Before credit will paid out the user will be given European standardized information form (ESIS form) with the exact total amount to be paid and the calculation of EIR.



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