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Housing loan without approval costs!*

Renovate your apartment, buy a vacation home or build a house with the help of a favourable housing loan.

Take the first steps to a loan through a video call.

Three good reasons for a housing loan

Loan without approval costs*

* The bank only charges a fee for managing the credit.

Flexible payback period

Payback period of up to 30 years.

Submit an inquiry online

Take the first steps to a housing loan right from home.

Calculate your housing loan

Think about how much money you need and how much you can borrow. Based on that, choose the amount, repayment period and interest rate (fixed or variable) and calculate your loan.

Loan amount

Min amount 0 EUR Max amount 0 EUR

Loan duration

0 - 0 -

Interest type

What kind of offer would you like?

  • Monthly installment
    EUR
    • Loan amount - EUR
    • Variable IR monthly installment - EUR
    • Amount to repay - EUR
    • Tenor - -
    • Interest rate Fixed interest rate - %
    • Variable interest rate - %
    • APRC - %
    • APRC - %
    • Total costs - EUR
  • Monthly installment
    EUR
    • Loan amount - HRK
    • Variable IR monthly installment - HRK
    • Amount to repay - HRK
    • Tenor - -
    • Interest rate Fixed interest rate - %
    • Variable interest rate - %
    • APRC - %
    • APRC - %
    • Total costs - EUR

The calculation is for information purposes only and is not binding on the Bank. Should the terms and conditions change or should different circumstances arise on the part of the borrower, the terms and conditions included in the informative calculation may be adjusted or amended. The granting of the loan is subject to the creditworthiness of the borrower, which must be verified beforehand, and the Bank reserves the right to refuse to enter into a loan agreement without giving reasons.
A representative example of an advertised offer, which is not binding on the Bank, is drawn up on the basis of predefined loan characteristics (loan amount, repayment period, type of interest rate, etc.).
The effective interest rate calculation includes the total cost of the loan, which includes interest, the loan management fee (EUR 4.00/month), the cost of the appraisal (EUR 300 on average) and the cost of keeping the transaction e-account (EUR 2.20/month) and the card account (EUR 0.10/month) if the salary transfer calculation is chosen. The effective interest rate does not include notarial fees and the cost of entering the mortgage in the land register. The effective interest rate changes if any of the data used in the calculation changes. It is calculated on the assumption that the loan is used at the date of transfer into repayment.
In order to obtain an offer under the salary transfer calculation terms and conditions, you must open a transaction account with Banka Intesa Sanpaolo d.d. and transfer your regular income. The loan is also available without opening a transaction account and transferring regular income, but in this case, the loan interest rate may be higher than indicated in the calculation without salary transfer. 
The housing loan is secured by a mortgage on the mortgaged property. The bank also offers a housing loan insured by an insurance company, with a maximum repayment period of 20 years and a maximum loan amount of EUR 50,000.
The variable interest rate calculation is based on the assumption that the variable interest rate does not change over the selected period. A rise in the variable interest rate, as a result of an increase in EURIBOR, can lead to a significant and substantial increase in the total amount to be repaid and, consequently, in the monthly annuity. If EURIBOR is a negative number, EURIBOR is considered to be zero (0). The calculation of the variable interest rate shown in the representative example uses EURIBOR of 2.96 %, applicable as at 1 February 2023. 

First steps to housing loan online

Submitting a housing loan application online allows you to make it easier to take out a housing loan, as you can do most of the steps in the process right from your home. You can:

  • choose an appointment for a video chat with our counselors and consult on one of the most important life decisions from the comfort of your home,
  • obtain more detailed information on credit and creditworthiness,
  • find out what documentation you need to provide us according to your specific demand and employment status,
  • users of the new online and mobile bank, who were previously identified, can submit a loan application and other documentation related to the loan.
Become our client

Become our client

Check out why Intesa Sanpaolo Bank is the right choice for you! Also take advantage of more favorable loan terms for our clients.
Woman on couch inquires via computer

Need consulting?


Together with you, we will find the best solution regarding:

  • the optimal way to secure your home loan,
  • expected fees considering the amount borrowed and the type of pledged security,
  • the most suitable way to pay the monthly instalments,
  • existing options and conditions to pay off the loan before end of contract,
  • choosing between variable and fixed interest rates.
Simplify your banking business #withINTESASANPAOLOBANK
Mobile phone screen image
Simplify your banking business #withINTESASANPAOLOBANK
Discover how easy it is to order a loan via our online bank and mobile application Mobilna banka IN, available for iOS and Android.
Order a quote via our e-bank and mobile app and receive it in e-form.
Keep track of all forms of financing concluded with our bank and monitor your loan status.
Reminders and notifications keep you informed about promotional offers and business-related interests.

Basic information about housing loan

  • Purpose of the loan: purchase, construction or renovation of real estate.
  • Loan amount: It depends on your creditworthiness, the value of the property or investment in it, your own interest and the type of loan insurance.
  • Loan insurance: by pledging real estate, by paying an insurance premium with an insurance company or by pledging a deposit.
  • Loan costs: they depend on the amount of loan and the cost of insurance depends on the type of insurance.
  • Repayment: normally loan is repaid from the salary (by transfer of the employer on the basis of an administrative disbursement ban).
  • Early repayment: you can repay the loan in part or in full at any time before the contractual deadline.
  • Interest rate: you can choose between variable or fixe interest rate.
stanovanjski kredit

Are you interested in hiring a loan at our bank?

Visit our branch or send us an inquiry. Available for clients and non-clients.
Do you need help?

We are here for you.

Look for appropriate contact number:

Intesa Sanpaolo Bank Contact center
Monday-Friday 7 a.m. - 6 p.m. and Saturday 8 a.m. - 12 p.m.

  •     Calling from Slovenia: 080 13 18
  •     Calling from abroad: 00386 5 66 61 838

Service center for card business – 24 h

  •     Calling from Slovenia:  05 66 61 256
  •     Calling from abroad: 00386 5 66 61 256

Real estate sale: 00386 5 66 610 10

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