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I. Fixed assets:	initial funding land plots, buildings equipment and devices nucleus breeding unit, planting perennial crops
II. Permanent current assets (up to 15% of the total loan amount)

Not eligible for financing:

purchase, construction and furnishing of apartments, regardless of whether the investment is made by natural or legal persons, except in case of investments in apartment hotels with a restaurant	construction of housing and business premises for the purpose of sale or rent in the market
	purchase of real estate and immovable property from associated persons
catering facilities whose sole activity is serving beverages	purchase or construction of office premises
petrol stations	purchase, construction, reconstruction and furnishing of business premises for trading activities, except in the areas of special state concern, the islands and hill or mountain areas
casinos, gambling premises and similar activities	road traffic transport (purchase of trucks, cranes, hoists, heavy load trailers etc.)
production and distribution of tobacco products	automobile showrooms and repair shops
Investments already started and investments under way. The refund of already invested funds will not be financed

3. Manner of Implementation

Loan amount	the minimum loan amount HRK 700,000.00, the maximum amount is not limited loans are granted in HRK and are indexed to foreign currency
HBOR finances up to 75% of the estimated investment value, VAT not included.
Disbursement period	up to 12 months
Grace period	up to 3 years
Repayment period	up to 12 years, including grace period

Precondition for interest rate reduction can be downloaded here

2% p.a.	borrowers investing in a region of special state concern or a hill or mountain area or the islands or agriculture or fishery or suffering direct war damage or having accommodated displaced persons and/or refugees and borrowers having proven their competitiveness by successful sales figures in domestic and/or foreign markets
4% p.a.	borrowers investing in a region of special state concern or a hill or mountain area or the islands or agriculture or fishery or suffering direct war damage or having accommodated displaced persons and/or refugees or borrowers having proven their competitiveness by successful sales figures in domestic and/or foreign markets or borrowers that are small and medium entrepreneurs
6% p.a.	all other business entities

0.8% one-off, charged on the committed loan amount

0.25% p.a., charged on the committed undisbursed loan amount, starting 30 days after the loan contract date

HBOR accepts:

bills of exchange and debentures
pledge of property or transfer of fiduciary title to property supported by property insurance policy endorsed in favour of HBOR
bank guarantees
guarantees issued by the Croatian Agency for Small Businesses (HAMAG) and
other customary security in the banking operations

Final borrowers negotiate collateral with commercial banks.

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