Mortgage calculator
Calculate the monthly payment, total interest and how much property you can afford. Move the sliders, the result updates instantly.
- Loan amount
- Total interest
- Total repaid
- Purchase costs (approx. 5 %)
% of your income ·
How much can I afford?
With a payment of a third of your income and the current rate and term, the maximum purchase price is:
Show listings up to this price →Indicative calculation using the annuity formula, excluding fees, insurance and rate changes. Only the bank's offer is binding.
Frequently asked questions
How much down payment do I need for a mortgage in Croatia?+
Banks usually finance up to 80 % of the appraised value, so at least 20 % of your own funds is needed. Add 5 to 7 % of the price for tax, notary, lawyer and any agency commission.
How high may the monthly payment be?+
Total monthly loan obligations usually may not exceed about 40 % of net income, and the legally protected part of the salary must remain after the payment. Many banks calculate more conservatively with a third of income.
What are mortgage interest rates in 2026?+
Depending on the bank, term and rate type (fixed, variable or combined), nominal rates range roughly between 2.5 and 4 %. Compare the effective rate (EKS), which includes all fees.
Can foreigners get a mortgage in Croatia?+
Yes, but on stricter terms: lower loan-to-value (often 50 to 70 %), proof of income translated into Croatian and sometimes an account with the bank. EU buyers often finance through a loan in their home country.
Read more in our guide: Mortgages in Croatia · Costs of buying
