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General form of the LM test is as follows (see Green, 2002, p. 298): [ ] 2 1...Therefore it follows (see Green, 2002, p. 302): [ ] [ ] [...

Jun 3, 2015 2:37 PM

dec25_Lyon-Waugh.pdf

In welfare terms, these house- holds still gain about 0.75 percent....We define the probability distribution of house- holds across assets and...

May 24, 2019 8:29 AM

ebilt215.pdf

Table D8a Currency composition of time deposits of house- holds and non-financial...Loans for house purchases include all mortgage and other loans...

Dec 30, 2015 9:39 AM

e-fs-19-2018.pdf

Source: OECD, Analytical House Price Database (data processed by the CNB)....Subelyte (2017): Interest rates and house prices in the United States...

Jul 2, 2018 1:45 PM

jankov-krznar-kunovac-lang.pdf

Furnishings, household eq. and routine m. of house -0.45 Newspapers and periodicals...Glassware and tableware utensils -0.69 Personal care -0.37 Tools and equipment for...

Jun 3, 2015 2:36 PM

s-006.pdf

them to settle the debt, while the fourth building society con- sults with its in-house...Two building societies also mentioned the pur- chase of a flat or...

Jul 4, 2015 5:05 PM

g2a.xlsx

7.24 7.63 7.43 7.37 7.69 7.45 7.35 7.07 7.09 7.17 6.77 6.68 6.64 3 Loans for house...15.1 15.6 16.8 18.6 11.7 12.4 17.3 12.8 12.5 12.5 13.8 19.3 21.0 3 Loans for...

Feb 23, 2016 4:01 PM

ebilt295-informacija

Interest rates on house- hold time deposits edged up, while interest rates on overnight...On an annual level, the growth in total house- hold loans...

Nov 15, 2024 9:48 PM

ebilt298-informacija

Average interest rates on pure new corporate and house- hold loans were lower in...As regards house- holds, interest rates on general-purpose cash...

Apr 17, 2025 2:10 PM

ebilt302-informacija

loans, while the interest rates on housing loans and general-purpose cash loans to house...Loans to house- holds continued to increase, albeit at a...

Oct 22, 2025 1:29 PM

Short-term loans may be used only by pledging short-term securities

Vallent for another term of office as a chairman of the management board of that housing

Aug 3, 2015 10:31 AM

CNB supports agreement between the Croatian government and banks

Bank supports Annex I to the Memorandum on alleviating the position of users of housing

Aug 3, 2015 10:32 AM

w-019

smaller dwellings, how has the growth of real estate prices affected real demand for housing

Nov 2, 2015 2:32 AM

When is early repayment fee charged?

addition, starting from 20 October 2017, no fees may be charged for early repayment of housing

Apr 11, 2018 1:03 PM

comments-by-sasa-zivkovic2.ppt

– see House (2006)

Jun 3, 2015 2:43 PM

e-info-methodology-resolution-plannin.pdf

sub-functions L e n d i n g Households Lending – Households (lending for house

Oct 16, 2018 10:02 AM

h-popis-institucija-iz-EU.xlsx

Macquarie Bank Europe Designated Activity Company 1st Floor, Connaught House, 1 Burlington...Scotiabank (Ireland) Limited IFSC House, Custom...

Mar 22, 2017 4:10 PM

e-list-of-institutions-from-EU.xlsx

, 12, 14 11 - No No Investment services 236 Scotiabank (Ireland) Limited IFSC House..., Custom House Quay, Dublin 1 Ireland Central Bank of...

Mar 22, 2017 4:11 PM

Comments on monetary developments for June 2020

placements to households stabilised in June at 3.7% on account of the government’s housing...loans subsidy programme, and the annual growth rate of...

Jul 28, 2020 2:49 PM

CNB Council: Systemic financial risks slightly reduced

At the same time, housing loan growth stabilised at moderate levels....However, the increasing maturity of housing loans and the growing ratio of...

May 13, 2024 1:06 PM

Release of the statistical data on deposits and loans of credit institutions for September 2023

In the past year household loans increased at a rate of 8.1%, with housing loans...In the third quarter of 2023, housing loans grew by EUR 0.4bn...

Oct 31, 2023 9:58 AM

Release of the statistical data on deposits and loans of credit institutions for March 2025

Broken down by sectors, at end-March 2025 household loans stood at EUR 25.0bn, with housing...Housing loans grew by EUR 0.3bn (2.6%) and...

Apr 30, 2025 8:07 PM

i-063_prosireni-sazetak.pdf

.): Implications of us tax policy for house prices, rents, and homeownership, American

Jul 2, 2021 7:32 PM

ebilt211.pdf

Loans to house- holds in tables G2a through G2c are further broken down to loans...Lending for house CNB BULLETIN • NUMBER 211 • STATISTICAL...

Jun 30, 2015 2:54 PM

ebilt207.pdf

Table D8a Currency composition of time deposits of house- holds and non-financial...Loans to house- holds in tables G2a through G2c are further...

Jun 30, 2015 2:53 PM

18YES_Vargedo

lending and real impacts of a dirty penalizing factor (Miguel et al., 2024) or a green...Green Capital Requirements. SSRN Electronic Journal.

May 22, 2025 6:26 PM

ebilt205.pdf

Corporate borrowing is expected to increase and house- hold deleveraging to decelerate...Table D8a Currency composition of time deposits of house-...

Jun 30, 2015 2:53 PM

e-g6c.xlsx

2.19 0.27 1.42 3.23 2.26 1.42 0.96 2.95 1.81 0.27 0.19 0.76 1.88 2.1.1 Loans for house...56.0 41.2 35.8 73.8 52.9 42.7 41.3 58.0 42.5 33.6 39.2 37.4 55.6 2.1.1 Loans...

Mar 7, 2016 9:31 AM

Banks report strong profit growth

data, the banking system has remained stable, currently comprising 33 banks and 5 housing

Aug 3, 2015 10:31 AM

500th Anniversary of the Printing of the Senj Glagolitic Missal

500th anniversary of the printing of the Missal in the Senj Glagolitic printing house

Apr 19, 2017 7:00 PM

e-zakon-o-konacnosti-namire-izmjena-44-2016.pdf

operator of that system, a settlement agent, a central counterparty, a clearing house

Jun 17, 2016 10:28 AM

h-info-metodologija-sanacijsko-planiranje.pdf

above sub-functions Le nd in g Households Lending – Households (lending for house

Aug 31, 2018 2:04 PM

Comments on monetary developments for September 2020

Housing loans continued to account for the largest share of household loans, whereas...the growth in general-purpose cash loans (from 2.0% to 0.9%), while the growth in...

Oct 27, 2020 10:47 AM

Comments on monetary developments for February 2022

Loans to households, broken down by instruments, show that the slight growth in housing...HRK 0.2bn) and non-purpose cash loans (HRK 0.1bn) continued, with the growth of...

Mar 28, 2022 2:43 PM

Credit institutions’ interest rate statistics for October 2022

the most important types of loans granted to non-financial corporations and on housing...The lowest average of interest rates was seen in housing...

Nov 30, 2022 11:18 AM

e-gi-2013.pdf

The process of deleveraging by house- holds, as well as by the banks, was among the...Two types of loans continued to dominate in the house- hold...

Jun 30, 2015 12:37 PM

Release of statistical data on deposits and loans of credit institutions for December 2024

down by sectors, at end-December 2024 household loans stood at EUR 24.3bn, with housing...Housing loans grew by EUR 0.3bn (2.5%) and...

Jan 31, 2025 9:31 AM

Release of the statistical data on deposits and loans of credit institutions for June 2025

Broken down by sectors, at end-June 2025 household loans stood at EUR 26.1bn, with housing...Housing loans grew by EUR 0.6bn (5.2%) and...

Jul 30, 2025 6:15 PM

Release of the statistical data on deposits and loans of credit institutions for September 2025

down by sectors, at end-September 2025 household loans stood at EUR 26.8bn, with housing...Housing loans grew by EUR 0.5bn (3.5%) and...

Oct 30, 2025 1:38 PM

ebilt285.pdf

indices of consumer prices 85 Table J2 Core consumer price indices 86 Table J3 House...Over the same period, the interest rate on total pure new...

Sep 14, 2023 2:33 PM

ebilt219.pdf

Table D8a Currency composition of time deposits of house- holds and non-financial...Loans for house purchases include all mortgage and other loans...

Dec 30, 2015 9:41 AM

eg13072023_prezentacija.pdf

Refers to loans to households for house purchase Source: ECB; CNB calculations ‐

Jul 13, 2023 5:10 PM

dumicic-ridzak.pdf

Green, W.H. (2004), "Econometric analysis", 5th edition, Pearson Education, Singapore

Jun 3, 2015 2:44 PM

e-kalendar-Vujcic_01-12-2023

Meeting with representatives to the Croatian Parliament from the Deputy Club of the Green

May 17, 2024 9:50 AM

e-gi-2015.pdf

and producer price indices 287 Table J2 Core consumer price indices 288 Table J3 House...Table 1.2 Croatian house price index year-on-year rate of...

Dec 28, 2016 3:46 PM

Macroprudential Diagnostics No. 20

Housing loans also continue to grow robustly, spurred by this year’s government housing...Of some 206 thousand housing...

Jul 28, 2023 9:17 AM

Non-consolidated balance sheet

The data cover banks, savings banks and housing savings banks.

Jun 13, 2015 4:19 PM

Printing of Croatian kuna banknotes

100, 200, 500 and 1,000, kuna banknotes are printed in certified foreign printing houses

Jun 2, 2017 11:23 AM

e-g5c.xlsx

5.07 4.76 4.97 4.89 4.96 5.01 4.84 4.91 4.98 4.91 4.60 4.68 4.59 2.1.1 Loans for house...195.4 209.3 217.2 224.1 204.3 207.5 214.0 213.5 189.4 185.3 191.0 2.1.1 Loans...

Mar 7, 2016 9:31 AM

e-g6b.xlsx

6.68 6.71 6.81 6.75 6.80 6.88 6.74 7.82 7.01 8.06 6.90 6.71 5.89 2.1.1 Loans for house...1,075.1 976.8 790.8 777.1 1,913.0 616.5 1,684.5 726.1 651.0 2,556.7 2.1.1 Loans...

Mar 7, 2016 9:31 AM

Credit institutions

d.d., Slatina 19. 92963223473 03234495 Zagrebačka banka d.d., Zagreb Authorised housing...Housing savings bank name 1. 07942675532 01393685...

May 25, 2015 12:09 PM

Methodology - Credit institutions’ interest rates

Lending for house purchase comprises loans secured on residential property that are...used for the purpose of house purchase and, where...

Feb 28, 2023 4:56 PM

paper-havrylyshyn.pdf

FIGURE 3: Freedom Rating by Country Groups (1990-2013) Data Source: Freedom House

Jun 3, 2015 2:54 PM

h-registar-kreditnih-posrednika-iz-drugih-drzava-clanica

Positive Solutions(Financial Services) Limited Riverside House The Waterfront

Feb 10, 2025 10:31 AM

e-registar-of-credit-intermediaries-from-other-member-states

NO 12 Positive Solutions(Financial Services) Limited Riverside House The Waterfront

Feb 10, 2025 10:31 AM

p-041.pdf

Property Price Indices (HRPPI) i Technical Manual on Owner-Occupied Housing and House...J. i Scholz, M. (2017.): Can Geospatial Data Improve House...

Jan 4, 2019 3:48 PM

carletti-hartmann-ongena.pdf

2005 0.05 -1.27 -0.94 4.89 * -25.73 *** 4.04 6.59 -3.23 -8.12 5 Fazio resigns / House...law WITHOUT transfer, but Parliamentary Committee will add it 03.03: Lower...

Jun 3, 2015 2:36 PM

kukic.pdf

the Making of America’s Yugoslav Policy, unpublished PhD dissertation, Bowling Green...State University, Bowling Green, Ohio.

Jul 14, 2015 6:42 AM

e-g2a.xlsx

4.47 3.98 4.53 4.35 5.17 4.98 4.50 5.86 5.59 6.73 5.63 5.69 5.70 3 Loans for house...6.3 5.7 4.6 3.2 1.9 1.6 2.5 2.7 1.9 2.4 0.8 0.2 0.1 0.3 0.2 0.5 3 Loans for...

Jan 15, 2016 5:28 PM

Macroprudential Diagnostics No. 9

Estonia, on the other hand, due to strong cyclical pressures and a surge in housing...Green indicates measures that have been added since the last...

Oct 14, 2019 1:08 PM

Vienna Initiative, 10 years on, makes case for deeper financial integration in emerging Europe

focus as participants discussed the conclusions of the Central Banks’ Network for Greening

Mar 29, 2019 3:11 PM

dubravko-mihaljek.pdf

(rising house prices are a related concern) o Fiscal sustainability issues loom

Jul 23, 2021 7:14 PM

Release of the statistical data on deposits and loans of credit institutions for September 2024

sectors, at the end of September 2024, household loans stood at EUR 23.6bn, with housing...Housing loans grew by EUR 0.3bn (2.3%) and...

Oct 30, 2024 3:42 PM

e-katalog-numizmatickih-izdanja-1994-2014.pdf

Petar Zrinski and Fran Krsto Frankopan ∙ REVERSE: Varaždin Castle ∙ MAIN COLOUR: green...500th anniversary of the printing of the Missal in the Senj Glagolitic printing...

Jul 1, 2015 9:52 AM

Bank as employer

We conduct in-house trainings adapted to specific needs, thus contributing to the

Jun 1, 2015 7:52 AM

CNB Council session: CNB adopts its Annual Report for 2018

Household lending accelerated slightly due to stronger housing loan growth.

Jun 12, 2019 5:25 PM

CNB Council: Real GDP growth slows down in Q4 2019

Household lending was primarily boosted by the continued annual growth of housing

Feb 12, 2020 4:48 PM

Comments on banking system developments in the first half of 2022

developments in the first half of 2022 e-statisticki-podaci.jpg 2022-08-29 15:06 0 0 Two housing

Aug 29, 2022 9:42 AM

Financial education – an efficient measure against indebtedness in the long term

Vicegovernor Fras said that only 7 per cent of housing loans to households were not...In addition to housing loans, general-purpose cash loans and...

Nov 29, 2017 1:59 PM

Comments on monetary developments for April 2021

Housing and general-purpose cash loans grew by approximately the same amount (HRK...0.2bn or 0.3%); as a result, the annual increase in housing...

May 28, 2021 3:59 PM

Comments on monetary developments for August 2021

A slight increase in loans to households was driven by the growth in housing loans...On an annual level, the growth of housing loans continued to...

Sep 29, 2021 2:42 PM

Comments on monetary developments for January 2022

With regard to lending to households, the growth of non-purpose cash loans and housing...The slowdown in the growth of housing loans continued just...

Feb 25, 2022 12:14 PM

Comments on monetary developments for March 2022

In the structure of loans to households, the growth of housing loans (HRK 0.3bn)...The annual rates of growth for both housing and general-purpose...

Apr 28, 2022 3:07 PM

CNB Council: Increased total financial system exposure to systemic risks

while placements to households continue to rise steadily, mainly mirroring strong housing...estate is one of such risks, which is supported, among others, by a large volume...

May 11, 2022 1:46 PM

Comments on monetary developments for April 2022

Housing and general-purpose cash loans to households increased at a similar rate...(HRK HRK 0.2bn), with the growth rate of housing loans edging up...

May 31, 2022 9:59 AM