Housing loans are long-term purpose loans which have very important role on banking market. Banks approve them with a specific purpose and on specific period. About this and other conditions like choosing a combination of interest rates, insurance instruments, the loan repayment model, client decides on himself which is preference in choosing the loan. By that client becomes satisfied with bank's offers which give bank some advantage compared to competiton because she increases the number of satisfied clients. For analysis of housing loans in the Croatian banking market four banks were chosen: Privredna banka Zagreb d.d., Raiffeisenbank Austria d.d., Hrvatska poštanska banka d.d. and Sberbank d.d. Each bank has its own advantages and disadvantages compared to the competition. In housing loans offer of this banks variables like purpose of using housing loan, loan amount, nominal and effective interest rates, the loan repayment period, insurance instruments and the fee related to the approval of housing loans application were analyzed. On the one hand, in some segments banks have comparable features and they are offering equal possibilities to their clients, but on the other hand, in some segments they have visible differences in which they are significiantly different from each other. When choosing housing loan, client should be careful in choosing interest rates and the parameters by which they progress. Housing loans can be realised with the selection of fixed interest rate during the entire repayment period, variable interest rate or combination of fixed and variable interest rate. The most important is to look well at all conditions that banks offer and to, based on your own financial possibilities, choose the bank that offers the most cost effective solution in terms of housing loans.