{"id":1997,"date":"2026-10-29T22:56:05","date_gmt":"2026-10-29T21:56:05","guid":{"rendered":"https:\/\/omniasolutions.hr\/hbor-loan-calculator-hbor-vs-bank\/"},"modified":"2026-10-29T23:55:56","modified_gmt":"2026-10-29T22:55:56","slug":"hbor-loan-calculator-hbor-vs-bank","status":"publish","type":"post","link":"https:\/\/omniasolutions.hr\/en\/hbor-loan-calculator-hbor-vs-bank\/","title":{"rendered":"HBOR loan calculator: HBOR or bank, comparing interest rates, fees and total cost"},"content":{"rendered":"\n

Interest rates, fees and conditions were checked on 29 October 2026 on the official websites of HBOR and the Croatian National Bank.<\/em><\/p>\n\n\n\n

The calculator on this page compares an HBOR loan with a bank loan for the same amount, term and grace period and shows the instalment, total interest, fees, principal write-off and effective interest rate. In October 2026, HBOR programmes carry fixed interest rates from 2.00% to 4.00% for loans of up to EUR 400,000, and four programmes funded from EU sources lend half of the loan at 0.00% with a write-off of up to 40 or 50% of the principal. In August 2026, banks charged an average of 4.49% on new long-term loans to companies. For a EUR 200,000 loan over 10 years with 2 years of grace, HBOR\u2019s Private sector investments programme at 3.90% costs EUR\u00a049,341.98 in interest and fees, and an average bank loan with a 1% fee EUR\u00a059,700.23, a difference of EUR\u00a010,358.25.<\/strong><\/p>\n\n\n\n

In brief<\/h2>\n\n\n\n
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  • HBOR\u2019s lowest published rate is 2.00% fixed, for direct loans of up to EUR 400,000 from the National Recovery and Resilience Plan (NPOO) for the digital and green transition and for defence and security, and for SME investments in research, development, innovation and artificial intelligence of up to EUR 1,000,000.<\/li>\n\n\n\n
  • Loans for production modernisation, sustainable tourism, agricultural processing and energy efficiency lend half of the principal at 0.00%, without a processing or commitment fee, with a write-off of up to 40 or 50% of the principal once the criteria are met.<\/li>\n\n\n\n
  • For private sector investments, young people, women and start-ups, working capital and EU projects, HBOR charges 0.30% for processing and 0.25% a year on the undrawn amount on direct loans, and on loans via a bank the bank may charge the borrower at most the same. The NPOO programmes have no processing fee. Under HBOR\u2019s fee regulation, early repayment carries no fee, also for loans via a bank.<\/li>\n\n\n\n
  • Banks agree interest and fees on business loans case by case. None of the seven banks whose fee schedules we reviewed publishes a processing fee for business loans. The calculator starts from 1%, the top of the range of 0.25 to 1% we found in a county public call from 2026.<\/li>\n\n\n\n
  • The largest difference in HBOR\u2019s favour comes from the 0.00% share of the loan and the principal write-off. For classic programmes and amounts above EUR 400,000 the difference depends on the actual offer, so enter the rate you were offered.<\/li>\n<\/ul>\n\n\n\n