Habitation is one of the basic human needs. However, given the high real estate prices, most citizens are faced with the problem of getting financial resources to successfully settle their housing issues. For most citizens, housing loans are the only source of housing finance. For some time, Croatia has been trying to find suitable solutions to housing problems, and one of the ways is the adoption and implementation of the Act on Housing Loan Subsidies. Subsidizing housing loans is a measure of assistance from the Government of the Republic of Croatia, which makes it easier for Croatian citizens to take care of housing through the repayment of part of the housing loan. The aim of this paper is to determine the benefits of the above mentioned law, as well as to investigate how much citizens are aware of the terms and conditions for granting the subsidy, and whether they consider that the subsidies will make it easier to finance or acquire housing. In other words, the aim of the paper is to analyze whether the recently adopted Act on Housing Loans Subsidiesmotivates thecitizens to raise housing loans, and whether citizens are saving money by using subsidies. The results of the research have shown that most citizens are not familiar with the terms and conditions for granting subsidies, but most citizens would be motivated to raise housing loans, so there is a positive impact of subsidies on housing loans. It has also been proven that subsidies really make savings, ie it can be said that the subsidy makes it easier to buy the first real estate.