In the Republic of Croatia, a loan agreement can be concluded in the national currency (HRK), in the national currency with a currency clause (usually it is EUR) or in a foreign currency. When it comes to loans with a currency clause, by concluding an agreement with a currency clause, the contractual parties take a currency risk because it influences their financial status since the national currency equivalent of the expected cash flow (annuities, interest rate yields, etc.) changes based on the changes of the exchange rate of the currency in which the currency clause was concluded. Loans with a currency clause in CHF became available in the Republic of Croatia in 2004. They appealed to the citizens because they offered the lowest interest rates at the time. With the exchange rate of CHF becoming higher, clients' annuities also became higher which increased the risk of inability to repay a loan. That influenced the amendment of the Consumer Credit Act in 2015 which allowed the conversion of the loans with a currency clause in CHF into loans with a currency clause in EUR. We presented two examples of the conversion of home loans with a currency clause in CHF into home loans with a currency clause in EUR.