January 2, 2020 – Among the many many Croatian earthquake aftershocks to take care of, owners with financial institution loans however no specialised earthquake insurance coverage face an anxious future.
It’s one factor to lose all of it, however one other factor to then lose all of it once more.
The TCN inbox has been filled with tragic tales and pressing pleas on account of the tragic occasions of December 29 in Petrinja, Glina, Sisak, Majske Poljane and surrounding areas – heartbreaking accounts which understandably concentrate on the instant want.
And whereas it’s totally proper to concentrate on the instant want (be taught extra on these efforts in TCN’s latest tour of the devastated space in Majske Poljane, Glina, Petrinja: A Foreigner View of Croatia’s Emergency Response), the following Croatian earthquake aftershocks will not be confined to tremors underground, however are additionally monetary.
Think about, for instance, the many individuals in Croatia (each from the Zagreb earthquake of March 22, and the latest quakes round Petrinja), who’ve had houses partially or completely destroyed, houses that they’ve purchased with assistance from credit score from the financial institution.
Earthquake insurance coverage is a particular further choice, and my understanding is that solely about 15% of houses in Croatia have this extra coverage Which signifies that 85% don’t. With greater than 2,000 buildings broken in Tuesday’s quake alone, it doesn’t take a mathematician to work out the size of the issue.
Having earthquake insurance coverage doesn’t essentially repair the issue, nonetheless, as a number of individuals instructed me after the Zagreb earthquake – the insurance coverage declare success lay within the satan of the element of the small print, which is never worded for the good thing about the buyer. As TCN reported in mid-September, some 6,255 claims had been paid out after the Zagreb earthquake six months earlier, with some claims (in response to mates) rejected as a result of an earthquake needed to be of a sure magnitude for the insurance coverage to be relevant.
Tragically, there might be instances of individuals who’re uninsured who’ve misplaced their houses, and it stays to be seen what longterm assist they are going to obtain from the federal government.
However think about that you simply not solely have misplaced your property, however your obligations to that dwelling stay, even when you’ll not have any profit from it.
One horrible instance of such a case was highlighted in 24Sata yesterday. Nutritionist Diana Gluhak Spajic has performed some sterling work along with her Wholesome College Meals programme, and her work has been featured on TCN up to now. Having skilled the Zagreb earthquake in March, she and husband Branimir determined to purchase their first dwelling collectively not in Zagreb however a brief drive away, in Sisak.
Each entrepreneurs and administrators of their firm, they invested their financial savings and gave the financial institution the suitable ensures, thereby receiving the credit score essential to safe a 30-year mortgage from the financial institution to maneuver into their dream dwelling, one in all 6 flats in a constructing in Sisak.
Timeline November 27, 32 days earlier than catastrophe struck. There was not even sufficient time to make the primary compensation to the financial institution earlier than the house was rendered uninhabitable. Extra tremors because the 24Sata article have resulted in much more harm.
A horrible story of loss on one stage, however a second horrible actuality was about to hit.
The property was insured for traditional harm however not (like 85% of properties in Croatia) for earthquake harm. And whereas the financial institution little doubt had sympathy for his or her plight and provided a moratorium on repayments, the repayments should come.
Now again in Zagreb paying hire in a brief place to dwell which was itself broken within the March earthquake, the couple merely can not afford to maintain paying hire in a single place, in addition to mortgage repayments to a house that they’ll not use. Funds for the following 30 years.
These are, in fact, unsure occasions and really early days, and one may maybe even have some sympathy for the banks who’re entitled to see their cash – they weren’t the reason for the earthquake. As a way to enhance its probabilities of seeing its cash, the financial institution can be inside its proper to dam accounts, take salaries and many others., which might consequence within the in all probability bankrupting of a small Croatian firm.
And with such a horrible state of affairs, arguably the best choice obtainable can be one which is being taken by an rising variety of Croatia’s youngest and brightest expertise – emigration.
Diana and Branimir have began a crowdfunding marketing campaign, particulars of that are revealed in full beneath. Whereas supporting the marketing campaign can be enormously appreciated by the younger couple, their plight additionally highlights the pressing want to deal with this case typically – theirs is way from an remoted incident.
Sisak earthquake in Croatia 29.12.2020. charity to repair our dwelling
The devastating earthquake occurred on December 29th 2020 and closely destroyed Sisak-Moslavina County in Croatia; primarily Cities of Sisak, Petrinja and Glina. Cataclysmic earthquake, ranked at 6.four on Richter scale, had an epicentre close to Metropolis of Petrinja. 80% od the Metropolis of Petrinja was destroyed and a lot of the Metropolis of Sisak. We really feel emotionally destroyed moreover as a result of now we have now 50 medium and small earthquakes daily, starting from 1.5 to four.9 on the Richter scale. By now, we had 7 casulties, and dozen of individuals injured. Simply by saying this, we’re petrified and mentally, very exhausted.
Only one month in the past, we simply took a financial institution credit score mortgage to purchase this dwelling within the Metropolis of Sisak, Frankopanska 5 and earlier than we even had the prospect to maneuver, our dwelling was fully destroyed and unhabitable. It was our solely dwelling. So we at the moment are at a standstill. 🙁
Constructing has cracked on 4 locations and picture, outer partitions are 70cm thick. The entire chimneys have cracked trough the entire constructing and have collapsed and broken the roof fully. A number of the chimneys have penetrated the roof and fallen into the constructing. Hallway on the first ground has indifferent from the constructing and it’s “hanging” and leaning to outer left facet, and additionally it is cracked in quite a few locations. Constructing has one way or the other separated in a number of locations with enormous cracks. In our house, we have now 43 cracks that we counted to this point, and all the load-bearing partitions have cracked fully. Huge harm has occurred in our bed room the place the roof has collapsed on our mattress the place we sleep. Additionally, all the home windows have cracks from inside to the outer wall.
We do not have the cash to rebuild our dwelling. We do not count on that the constructing might be constructed once more by the federal government, and we have no place to dwell or to begin a household, and the financial institution would not need to cancel the mortgage contract. This places us in a state of affairs that basically no one needs to be. We can not get a brand new credit score mortgage, nor can we pay this credit score mortgage and pay the hire in one other house. The credit score mortgage will certainly be in impact, and which means that we might be obliged to pay the mortgage for the following 30 years that, for the house that does not even exist.
I am very unhappy to be penning this, as this can be a state of affairs I by no means thought I might be. My solely dwelling was destroyed, and I, as an individual that was beforehand serving to others, am now asking for full strangers to assist me. Is there somebody that understands my state of affairs and needs to assist my household and me? Are there nonetheless individuals with kindness of their coronary heart to assist us with a small donation? 🙂
We’re asking to your assist and help to rebuild our dwelling so we may begin our household.
Please, we want 64.000 EUR. If we handle to boost extra money, it is going to be given to our unlucky neighbours which have additionally misplaced their dwelling.
Thanks, Branimir Spajić and Diana Gluhak Spajić
EDIT: At present there may be solely the choice to pay through Paypal, bank card and financial institution switch. Engaged on different methods of fee.
If you need to donate to assist Diana and Branimir, you may donate right here.
For extra on the Petrinja earthquake, comply with the devoted TCN part.