Loans

The product is intended for clients who receive a monthly salary or pension through an account at Adriatic Bank. The use of funds is unrestricted. The maximum overdraft amount on the transactional account is three monthly salaries. The contract is signed for a period of 12 months with the possibility of automatic renewal. The loan repayment will be automatically deducted from the user's transactional account at the moment of receiving regular or extraordinary income.

To all employed persons, Adriatic Bank approves a cash loan with the possibility of approving up to € 20,000 without guarantors, with a repayment period of up to 5 years.

Adriatic Bank Pensioner loan with life insurance policy is a non-purpose cash loan. Clients may be pensioners with a regular retirement income, who are not older than 75 at the time of repayment of the final installment. Loan is approved with repayment period up to 5 years in amount up to € 20.000 without guarantors. There is possibility of loan approval without life insurance policies.

Adriatic Bank Housing loan is intended for the purchase of a new flat or a flat under construction, for reconstruction or adaptation of property (house or flat) with a maturity of 1 to 10 years. The amount of housing loans can be approved for a 10% higher amount compared to the amount of the purchase contract (if it does not affect the ratio of the estimated value of the mortgage assets and the amount of the requested loan). This difference can be paid directly to the client’s account. Another advantage of Adriatic Bank Housing loan is approval without life insurance policies of any loan participants if the last annuity is due before the age of 65.

Mortgage loans are intended for those who would like to invest in their own business, refinance existing loans or simply need more cash. They can also be used to buy or build a new home.