In today's world, banks have a significant role in the economy of a country. Credit, as one of the most important and widespread banking jobs, is part of the lives of most people. It is in everyday life of a growing number of people, from students to retirees. Rarely there are people who do not have at least one loan, while in the same time, more and more people repay multiple loans at once. Credits generate money and for that reason it is becoming a significant source of funds. That is why everyone should know terminology related to banks and loans and be aware of different offers within banks. There are many types of loans, in different amounts and for different purposes. Mortgage loan is just one of these many bank loans, which allows clients to receive larger amounts of money, without the purpose and for a longer repayment period. Approval term of this form of loan, in addition to the creditworthiness of the client, is also the pledge of the property. As a result, the bank secures its business, i.e. the repayment of loans, thereby reducing the risk of long-term banking. The final paper analyzes the offer of mortgage loans in three Croatian banks. The first two parts of the paper work show the importance, functions and types of banks and loans and other banking affairs. Subsequently, basic information on banks whose offers are subject to research is presented. Those are the Zagrebačka banka d.d., Privredna banka Zagreb d.d. and Raiffeisenbank Austria d.d. In the end, it is conducted an analysis of mortgage loans based on eight criteria. The conclusion will be made based on collected data.