In this paper, I have analyzed certain criteria that are used to determine housing loans differences between three Croatian banks; Hypo Alpe-Adria Bank, Erste Bank and Zagrebačka Banka. Throughout the chapters in this paper I analyzed the offer of housing loans using certain criteria: the amount of a housing loan, the level of interest rates, different terms that have been set depending on the amount of the monthly income, housing loan duration and if the client already has an existing loan that might prevent him from applying for a housing loan. Main particularities of the banks have been determined by theoretical analysis, while the insight in all essential criteria, that have been the subject of this study in the area of housing loans, was obtained by practical analysis. The results of the analysis of these three Croatian banks, Hypo Alpe-Adria Bank, Erste Bank and Zagrebačka Banka, point out to a diversity in housing loan, should definitely explore this market thoroughly in order to find the bast offer these banks are putting out. One should explore all the options presented by the banks mentioned above.