The most significant loans with currency clause in the Republic of Croatia are loans that are related to the euro and loans related to the Swiss franc. After analyzing the impact of changes in exchange rates of the euro and Swiss franc on repayment of housing loans with currency clause in the Republic of Croatia, it is concluded that changes in exchange rates of the euro and the Swiss franc exchange rate affect the change of the amount of the annuity of housing loans in the Republic of Croatia. Due to the relatively stable exchange rate of euro in the period from 2005. to 2015., changes in the amounts of annuities are law while due to changes in the exchange rate of the Swiss franc, changes in the amounts of annuity are significantly higher. The Croatian Parliament changed the Law on Consumer Crediting and fixed the Swiss franc for one year at a rate of 1CHF=6.39HRK in January 2015. The amendment will apply to all consumer loans in the Swiss franc, independently of the amount and type. The Croatian parliament unanimously adopted amendments to the Consumer Credit Act and the Credit Institutions Act based on which loans denominated in Swiss francs would be converted into Euros in September 2015. The initial principal of a CHF- denominated loan will be converted into euros according to the exchange rate applicable on the day of loan disbursement, while the initial interest rate in Swiss francs will be replaced by the interest rate applicable to euro loans. A new loan repayment plan will be determined based on this calculation. Loan holders who refuse the conversion plan will continue to repay their loans according to the initially agreed terms.