When entering into cooperation
Before entering into a contract, HPB is required to provide you with all product and service information so that you can compare different offers before making the decision to enter into a contract.
All the essential terms and conditions of the contract stating your and the Bank’s rights and obligations with the needed clarifications will be available to you, and HPB will draft the contract without charge at your request.
After entering into cooperation
During the term of the contractual relationship, HPB will notify you once a year (or in an agreed manner) about the status of the loan and the deposit, and it will also inform other persons associated with the loan (co-debtors, guarantors, lien debtors). If the terms and conditions change 15 days prior to the start of the contract’s application, we will inform you and provide an explanation.
In case of delays in payment of loan commitments and failure to reach an agreement on payment arrangements within two months, HPB will inform other persons associated with the loan about the outstanding loan debt and give them 15 days to settle the obligation.
Any changes to HPB’s general terms and conditions are available in branch offices and are published on the official website www.hpb.hr