HBOR Fees in lending operations
Loan programme / target group Loan application processing fee Commitment fee
Youth, Female, Start-up and Other Special Segments Entrepreneurship 0.30% 0.25%
Loans for the purpose of:
  • Recovery from the consequences of earthquake and/or economic development of  Sisak-Moslavina County
  • Recovery from the consequences of earthquake in Karlovac and Zagreb counties
  • Economic development of Lika-Senj County
No fee No fee
Private Sector Investment 0.30% 0.25%
Loans for the purpose of:
  • Recovery from the consequences of earthquake and/or economic development of  Sisak-Moslavina County
  • Recovery from the consequences of earthquake in Karlovac and Zagreb counties
  • Economic development of Lika-Senj County
No fee No fee
For direct loans with HBOR guarantee issued on the basis of the „Guarantee Fund for Loans to Mid-Caps and Large Enterprises“ Financial instrument under the National Recovery and Resilience Plan (NRRP) No fee 0.25%
Loans intended for investments in defence activities No fee 0.25%
Public Sector Investment 0.30% No fee
For public sector entities as follows:
Units of local or regional government (ULRGs) and institutions and agencies majority-owned by ULRGs and/or the Republic of Croatia
0.20% No fee
Loans for the purpose of:
  • Recovery from the consequences of earthquake and/or economic development of  Sisak-Moslavina County
  • Recovery from the consequences of earthquake in Karlovac and Zagreb counties
  • Economic development of Lika-Senj County
No fee No fee
For direct loans with HBOR guarantee issued on the basis of the „Guarantee Fund for Loans to Mid-Caps and Large Enterprises“ Financial instrument under the National Recovery and Resilience Plan (NRRP) No fee No fee
Working Capital 0.30% 0.25%
Loans for the purpose of:
  • Recovery from the consequences of earthquake and/or economic development of  Sisak-Moslavina County
  • Recovery from the consequences of earthquake in Karlovac and Zagreb counties
  • Economic development of Lika-Senj County
No fee No fee
Loans intended for investments in defence activities No fee 0.25%
For all public sector entities 0.30% No fee
Financial Restructuring 0.30% 0.25%
For public sector entities as follows:
Units of local or regional government (ULRGs) and institutions and agencies  majority-owned by ULRGs and/or the Republic of Croatia
0.20% No fee
For other public sector entities 0.30% No fee
 EU Projects 0.30% 0.25%
For public sector entities as follows:
Units of local or regional government (ULRGs) and institutions and agencies  majority-owned by ULRGs and/or the Republic of Croatia
0.20% No fee
For other public sector entities 0.30% No fee
For direct loans with HBOR guarantee issued on the basis of the „Guarantee Fund for Loans to Mid-Caps and Large Enterprises“ Financial instrument under the National Recovery and Resilience Plan (NRRP) No fee 0.25%
Pre-Export Finance 0.30% 0.25%
For public sector entities as follows:
Entities (institution, agencies, etc.) majority-owned by local or regional government and/or majority-owned by the Republic of Croatia
0.30% No fee
Buyer Credit 0.30% 0.25%
Supplier Credit 0.30% 0.25%
Calculation/charging base
  • Application processing fee: contracted loan amount
  • Commitment fee: contracted, but undisbursed loan amount
Other terms and conditions as well as other fees in accordance with the Ordinance on Fees for HBOR Services valid on the calculation date.
In the event of any discrepancy with the published Ordinance on Fees for HBOR Services, the Ordinance on Fees for HBOR Services shall apply.