Borrowing capacity calculator
Step 1 of 5about 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
The payment, down-payment and term 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 subsistence minimum comes from an HNB recommendation and the Enforcement Act. 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)
€956
Subsistence minimum: the part of salary protected from enforcement remains after all payments (salary below €1,434: ¾ of the salary)
Enforcement Act, 2026
+
A co-borrower’s income and obligations are added to yours
Art. 4 and Art. 6
Figures checked on 22 September 2026. · NN 50/2025 · HNB: questions and answers (in Croatian) · HNB recommendation (2019, in Croatian)