Large Projects in Agriculture
ECONOMY
Loan Programme for the Development of the Economy
1. Final Borrowers
- companies, craftsmen, co-operatives, institutions
2. Purpose of Loans
I. Fixed assets |
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II. Permanent current assets |
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3. Manner of Implementation
- through commercial banks
- risk sharing model – small and medium enterprises
- risk sharing model
- subordinated debt model
4. Loan Amount, Disbursement Period and Repayment
Loan amount |
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HBOR finances up to 75% of the estimated investment value, VAT not included.
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Disbursement period |
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Grace period |
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Repayment period |
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5. Interest
2% p.a. |
borrowers investing in a region of special state concern or supported areas – units of local government classified into groups I and II or a hill or mountain area or the islands or agriculture or fishery
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4% p.a. |
all other business entities
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6. Loan Application Fee
0.8% one-off, charged on the committed loan amount
7. Commitment Fee
0.25%p.a., charged on the committed undisbursed loan amount, starting 30 days after the loan contract date
8. Security
HBOR accepts: bills of exchange and debentures; pledge of property or transfer of fiduciary title to property supported by property insurance policy endorsed in favor of HBOR; bank guarantees; guarantees issued by HAMAG-BICRO and other customary security in the banking operations.
In the case of loan through commercial bank final borrower arrange collateral with commercial bank.
9. Commercial Banks Co-operating on the Loan Programme
- Addiko Bank d.d., Zagreb (RS SME); (RS)
- Banka Kovanica d.d., Varaždin
- Croatia banka d.d., Zagreb
- Erste & Steiermärkische Bank d.d., Rijeka (RS SME); (RS)
- Hrvatska poštanska banka d.d., Zagreb (RS SME); (RS)
- Istarska kreditna banka Umag d.d., Umag (RS SME)
- Jadranska banka d.d., Šibenik
- Kentbank d.d., Zagreb
- Kreditna banka Zagreb d.d., Zagreb
- OTP banka Hrvatska d.d., Zadar (RS SME); (RS)
- Partner banka d.d., Zagreb
- Podravska banka d.d., Koprivnica (RS SME); (RS)
- Privredna banka Zagreb d.d., Zagreb (RS SME)
- Raiffeisenbank Austria d.d., Zagreb (RS SME); (RS)
- Sberbank d.d., Zagreb (RS SME); (RS)
- Slatinska banka d.d., Slatina (RS SME); (RS)
- Societe Generale – Splitska banka d.d., Split (RS SME)
- Štedbanka d.d., Zagreb
- Zagrebačka banka d.d., Zagreb (RS SME); (RS)
The aforementioned commercial banks have been included into the financing through commercial banks.
Those commercial banks that have been included also into the financing under the risk-sharing model SME are marked by acronym RS SME; those that have been included also into the financing under the risk-sharing model are marked by acronym RS.
More detailed information ralating to this programme can be obtained at:
HBOR, Strossmayerov trg 9, 10000 Zagreb
Phone: +385 1 4591 666
E-mail: kreditiranje@hbor.hr