Housing Savings is a special form of savings in housing savings institutes to finance the acquisition, construction or renovation of your own home or apartment and the like. For the introduction and development of housing stimulation more sources point out the following reasons or goals: improving the health status of the population; promotion of justice and social stability; Overcoming market failures that allow monopolistic profits to emerge, spatially inadequate or unsatisfactory new housing construction quality; stimulating economic growth; the development of financial literacy and the tradition of saving; fostering the feeling of reliance on one's own strength and the mitigation of paternalism; lowering the loan repayment rate and improving the financial market, and improving environmental conservation by improving energy efficiency. In the Republic of Croatia, state incentives are paid according to the percentage to the amount of available housing savings paid in the year for which state incentives are paid. The maximum amount mentioned in a calendar year available to a housing savings bank is HRK 5,000.00. State incentives in the Republic of Croatia shall be paid together with the relevant interest if the resident of the Republic of Croatia realizes the right to a housing loan and concludes a loan agreement in accordance with this Law shall not cancel the Housing Savings Agreement for a period of less than five years from the beginning of the Housing Savings if he terminates the Housing Savings Agreement due to non-fulfillment of the legal or contractual obligations of the Housing Savings Bank. In Germany today, state incentives are paid depending on the income threshold of EUR 25,600 for single and EUR 51,200 for the couple. The bonus amounted to 8.8% of the annual amount saved in the amount of 512 EUR for single and 1.024 EUR for a couple, which means that state incentives are in the amount of 45.06 EUR for single and 90.11 EUR for a couple. It has to save seven years to get the right to state incentives, and incentives are not exempt from taxation.