PERMANENT WORKING CAPITAL
Financing Permanent Working Capital for Business Intensification
Interest rate is variable based on the Decision of HBOR’s Managing Board, and pursuant to the criteria of HBOR’s Decision on Interest Rates and the Interest Calculation Regulations.
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 / 45 91 666 E-mail: kreditiranje@hbor.hr
1. Final Borrowers
- companies, craftsmen, natural persons – family farms within the VAT system, cooperatives and institutions
2. Purpose of Loans
- financing investments in permanent working capital for business intensification.
3. Manner of Implementation
- via commercial banks
- risk-sharing model - small and medium enterprises
- risk sharing model
4. Loan Amount and Repayment Period
Loan amount |
|
Disbursement period | up to 6 months |
Grace period | up to 2 years |
Repayment period | from 2 to 6 years, including grace period |
5. Interest Rate for Final Borrowers
4% p.a.Interest rate is variable based on the Decision of HBOR’s Managing Board, and pursuant to the criteria of HBOR’s Decision on Interest Rates and the Interest Calculation Regulations.
6. Loan Application Fee
0.8% one-off, charged on the committed loan amount7. Commitment Fee
0.25% p.a. of the committed undisbursed loan amount, starting 30 days after the loan contract date8. Security
- bills of exchange and debentures
- pledge of property or transfer of fiduciary title to property
- bank guarantees
- guarantee of HAMAG-BICRO and
- other security instruments customary in banking operations
9. Commercial Bank Co-operating with HBOR
- 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)
- Primorska banka d.d., Rijeka
- 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)
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 / 45 91 666 E-mail: kreditiranje@hbor.hr