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  1. R

    Mortgage: 3.5% (5 year fixed) or 4.1% (10 year)?

    @rivensoul If you get it in EUR then Euribor. If in HRK then Croatian National bank rate, NKS.
  2. R

    Mortgage: 3.5% (5 year fixed) or 4.1% (10 year)?

    @rivensoul Wow. I'm in Croatia and for a long time you could pick whether you want it to be in EUR or HRK (they also offered it in CHF which brought a lot of problems and evictions at a later point). But since we're joining Eurozone in January now they're almost exclusively offering in EUR.
  3. R

    Mortgage: 3.5% (5 year fixed) or 4.1% (10 year)?

    @rivensoul I would go with longer fixed period. But having said that, this still seems pretty high. I'm just in the middle of negotiating the refinancing of my apartment and I'm deciding between 2.10% with 10 years fixed or 3.48% with 15 years fixed.
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