Construction cost estimate for bank loans
We prepare construction cost estimates (troškovnik) for houses and buildings in Croatia, for the bank loan and for comparing contractor quotes.
An estimate the bank and contractors understand
For a construction loan, Croatian banks ask for a cost estimate that shows what the build will cost. A good estimate is organised by trade, with clear quantities and unit prices, so the valuer and the bank can check it quickly.
You can use the same estimate later to compare contractor quotes. When everyone prices the same line items, the differences become visible.
What you get
- Estimate by trade with quantities and prices
- Quantities calculated from the 3D model
- Summary for the bank and the valuer
- Format suitable for contractor tenders
What a cost estimate looks like
An excerpt from a real cost estimate for a family house, made for a bank. Items are grouped by stage and trade, with units and quantities taken from the model. The document itself is in Croatian.
| No. | Item | Unit | Quantity | Unit price € | Total € |
|---|---|---|---|---|---|
| 1. | Etapa: konstrukcijska izgradnja | ||||
| 1.1.1. | Čišćenje gradilišta, s odvozom na udaljenost do 50 m | m² | 180,00 | amount hidden | amount hidden |
| 1.1.2. | Površinski iskop zemlje III. kategorije do dubine 20 cm, s odvozom na deponiju gradilišta | m³ | 46,97 | amount hidden | amount hidden |
| 1.3.1. | Zidanje nosivih zidova u produžnom mortu 1:2:6 | m³ | 60,42 | amount hidden | amount hidden |
| 1.5.1. | Izrada, dobava i postava srednje složene armature | kg | 3.436,84 | amount hidden | amount hidden |
| 1.6.1. | Betoniranje armiranobetonskih trakastih temelja betonom C16/20 | m³ | 39,86 | amount hidden | amount hidden |
| 1.6.10. | Polumontažna stropna konstrukcija, rebra, ispune i tlačna ploča betonom C25/30 | m² | 188,65 | amount hidden | amount hidden |
| 2. | Etapa: krovište i limarija | ||||
| 2.3.2. | Drvena krovna konstrukcija iz piljene građe, prema projektu | m³ | 14,90 | amount hidden | amount hidden |
| 2.6.1. | Viseći žlijeb od pocinčanog lima debljine 0,55 mm | m | 68,80 | amount hidden | amount hidden |
| 2.7.1. | Pokrivanje krovišta glinenim utorenim crijepom | m² | 303,53 | amount hidden | amount hidden |
| 3. | Etapa: zatvaranje vanjskih otvora | ||||
| 3.2.1. | Dobava i ugradnja PVC prozora ostakljenih izo staklom | kom | 12 | amount hidden | amount hidden |
| 3.2.3. | Dobava i ugradnja PVC ulaznih vrata s dovratnikom | kom | 3 | amount hidden | amount hidden |
| 4. | Etapa: unutarnje uređenje | ||||
| 4.1.2. | Betonska košuljica C12/15 debljine do 5 cm | m² | 185,98 | amount hidden | amount hidden |
| 4.2.7. | Žbukanje unutarnjih ploha zidova | m² | 520,74 | amount hidden | amount hidden |
| 4.7.11. | Dobava i montaža podžbukne šuko utičnice | kom | 38 | amount hidden | amount hidden |
Summary by stage
- 1.konstrukcijska izgradnja
- 2.krovište i limarija
- 3.zatvaranje vanjskih otvora
- 4.unutarnje uređenje
- Grand total incl. VAT
Amounts are hidden and client details removed. The full estimate has more than a hundred items.
How we work
Send the design
Send the main design for all disciplines, or tell us the design is ours.
a few days
up to 2 weeks for a design by another designer
Quantity take off
We calculate quantities from the model and organise them by trade.
result
Estimate for the bank
You receive a signed estimate ready to submit with the loan application.
Typical durations from our practice; the exact date goes into the quote.
Frequently asked questions
Can you price a design by another designer?
Yes. Send us the main design for all disciplines and we will reply with a deadline and a price.
Can I use it to compare contractors?
Yes, we recommend it. Quotes on the same line items are much easier to compare.
Is there state support for building a first home?
Yes. The state agency APN runs a first home measure for Croatian citizens under 45, which for a newly built family house includes a VAT refund. Conditions include an occupancy permit that became final after 1 January 2025 and invoices from VAT registered contractors certified by the supervising engineer. More in our guide to the cost estimate for a housing loan.