Borrowing capacity calculator
Step 1 of 4about 40 seconds
Borrowing capacity
What are you planning to finance?
The rules differ: for a housing loan a bank may allow a larger share of your income for the payment and a longer repayment term.
You can change everything after the calculation.
Rules built into the calculation
All limits come from the Croatian National Bank’s Decision on consumer lending criteria (Official Gazette NN 50/2025), in force since 1 July 2025. The calculator adds no rules of its own, apart from the 35%-of-income recommendation shown alongside the legal maximum.
45%
DSTI, housing loan
Art. 7(1)
40%
DSTI, non-housing loan
Art. 7(4)
90%
LTV, loan relative to property value
Art. 8(1)
30 yrs
Longest term for a housing loan
Art. 9(1)
3%
Overdrafts and credit cards count at 3% of the amount used
Art. 5(2)
Lower
Property value: the lower of the appraisal and the agreed price
Art. 2(1)(11)
Figures checked on 10 September 2026. · NN 50/2025 · HNB: questions and answers (in Croatian)