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    Archived pages: 1113 . Archive date: 2014-09.

  • Title: www.hbor.hr
    Descriptive info: Search.. Home.. About HBOR.. Contact.. Lending.. Export Promotion.. Tourism.. Agriculture.. Economy.. SMEs.. Environmental Protection.. Infrastructure.. Innovations.. Financial Restructuring.. Working Capital.. EU Funds.. Contribution.. Export Credit Insurance.. Programmes.. International Regulations.. Classification of Countries.. Short-term credit insurance.. Croatian Credit Insurance J.. S.. C.. Trade Finance.. Guarantees.. Documentary Letters of Credit.. Economic Co-operation Funds (ECFs).. Contacts.. English.. /.. Small and Medium Entrepreneurship.. The main driving force of the development of each modern economy is small and medium entrepreneurship.. Therefore, HBOR pays special attention to this segment of the economy.. Favourable terms and conditions of finance provide for the growth and development of  ...   This means that they employ less than 250 workers, they are independent in their business operation, their annual turnover amounts up to HRK 216,000.. 000, or their total assets (if they are subject to profits tax), or their fixed assets amounts up to HRK 108,000,000 (if they are subject to income tax).. Print.. Temporary Reduction in Interest Rates Charged by HBOR on New Investment Projects in the Period from 1 July 2014 to 31 December 2014.. Contact Us.. FAQ.. Glossary.. HBOR News.. Document library.. Financial statements.. Human Resources.. Back to top.. Croatian Bank for Reconstruction and Development.. All Rights Reserved..

    Original link path: /Sec1315
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  • Title: www.hbor.hr
    Descriptive info: Throughout the development of the Republic of Croatia, investments strengthening the competitiveness through energy savings and investments into ecologically sustainable market of renewable energy resources become increasingly important.. These investments have multiple effects, e.. g.. the share of imported energy is reduced, independence on the energy market is strengthened and the environmental protection enhanced.. In  ...   and their implementation) for strong HBOR's activity in this area.. For the purpose of financing environmental protection projects, HBOR extends loans through the Loan programme for the Preparation of Renewable Energy Resources and Loan Programme for the Financing of Projects of Environmental protection, Energy Efficiency and Renewable Energy Resources.. Contribution to the loan for energy efficiency..

    Original link path: /Sec1325
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  • Title: www.hbor.hr
    Original link path: /Sec1324
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  • Title: www.hbor.hr
    Descriptive info: INNOVATIONS.. Programme for Financing Innovations.. 1.. Beneficiaries.. small and medium companies.. craftsmen.. hoholding a favourable decision of the HAMAG-BICRO, having been registered in the Republic of Croatia and having developed a product (certified prototype) and/or technology; having submitted an application for the recognition of a patent in the Republic of Croatia; having submitted an application for protecting industrial property in the Republic of Croatia and/or abroad; operating more than 2 years and having the item intangible assets – development expenses in their balance sheet for previous year.. 2.. Purpose of Loans.. I.. Fixed assets:.. equipment and devices.. building annexes and equipping business facilities.. purchase and construction of business premises, where entrepreneurs are experienced and successful.. II.. Permanent current assets (up to 15% of the total investment) or more for investments in developing software solutions).. The following cannot be financed: costs of research and development activities; costs of surveys, studies, licensing and trademark protection; costs of establishing companies and crafts businesses; activities in the field of shipbuilding, steel manufacturing and maritime shipping; acquisition of transport devices, purchase of real estate and movable property from associated persons, construction and purchase of dwelling premises for the purpose of their use as business premises, investments already started and investments under way.. The refund of already invested funds will not be financed.. 3.. Manner of Implementation.. direct lending.. via commercial banks..  ...   0.. 8%.. one-off, charged on the committed finance.. 7.. Commitment Fee.. 25%.. p.. , charged on the committed undisbursed loan amount, starting 30 days from 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 favour of HBOR.. bank guarantees.. guarantees issued by HAMAG-BICRO.. other customary security in the banking operations.. 9.. Commercial banks Co-operating with HBOR.. Croatia banka d.. , Zagreb.. Erste Steiermärkische bank d.. , Rijeka.. Hrvatska poštanska banka d.. Hypo Alpe-Adria-Bank d.. Jadranska banka d.. , Šibenik.. Kreditna banka Zagreb d.. OTP banka Hrvatska d.. , Zadar.. Partner banka d.. Podravska banka d.. , Koprivnica.. Privredna banka Zagreb d.. Raiffeisenbank Austria d.. , Zagreb.. Sberbank d.. Slatinska banka d.. , Slatina.. Societe Generale – Splitska banka d.. , Split.. Štedbanka d.. Zagrebačka banka d.. 10.. Implementation period.. If under this Loan Programme borrowers are financed in the sectors of primary agricultural production and fishery, their loan applications and loan rescheduling applications can be approved not later than on 30 June 2016.. This period shall not be applied to borrowers under all other sectors.. More detailed information ralating to this programme can be obtained at:.. HBOR, Strossmayerov trg 9, 10000 Zagreb.. Phone: +385 1 / 4591 780, +385 1 / 4591 761.. E-mail:.. pronalasci@hbor.. hr..

    Original link path: /Sec1326
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  • Title: www.hbor.hr
    Descriptive info: FINANCIAL RESTRUCTURING.. Loan Programme for the Financial Restructuring.. Final Borrowers.. companies, craftsmen.. co-operatives, institutions.. Final borrowers must meet the following minimum preconditions:.. minimum capital and reserves of 10% on the liabilities side of the balance sheet.. mismatch in the balance sheet of a business entity, as measured by the ratio between permanently tied-up assets and sources of funding.. Loan approval to small and medium entrepreneurs shall not be considered if:.. they paid out profit in the last two business years,.. they paid off their borrowing in the last two business years.. Also eligible as final borrowers are agricultural producers – natural persons (family farms in the VAT system), crafts businesses, companies, co-operatives and institutions that will use the proceeds of the loan to refinance existing loans approved for the financing of agricultural activities.. The above conditions shall not apply to such borrowers.. Loans are intended for the financing of investment aimed at changing the maturity of sources of funds on business entities' balance sheets.. The conditions referred to in the previous paragraph shall not apply to loan applicants that are agricultural producers.. Loan Amount, Disbursement Period and Repayment.. Loan amount.. Before submitting an  ...   period included.. Interest Rate for Final Borrowers.. Interest rate charged to final borrower.. 5% p.. 6% p.. agricultural producers*.. all other business entities**.. * temporary reduction of interest rate until 31 December 2013.. **With the exception of entrepreneurs facing difficulties.. Pursuant to the regulations on state aid in force, interest rate for entrepreneurs in difficulties is determined at the level of the basic interest rate increased by margin, which is determined in accordance with the credit rating of the final borrower and offered collateral pursuant to the HBOR's Regulations on Determining Reference and Discount Interest Rate.. one-off, charged on the committed loan amount.. 25%.. , charged on the committed undisbursed loan amount, starting 30 days after the loan contract date.. pledge of property or transfer of fiduciary ownership of property supported by a property insurance policy endorsed in favour of HBOR.. other collateral customary in the banking operations.. Final borrowers negotiate collateral with commercial banks.. Banco Popolare Croatia d.. Banka Kovanica d.. , Varaždin.. BKS Bank d.. Imex banka d.. Istarska kreditna banka Umag d.. , Umag.. Kentbank d.. Societe Generale - Splitska banka d.. d, Split.. Phone: +385 1 / 4597 841.. gospodarstvo@hbor..

    Original link path: /Sec1327
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  • Title: www.hbor.hr
    Original link path: /sec1691
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  • Title: www.hbor.hr
    Original link path: /sec1652
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  • Title: www.hbor.hr
    Original link path: /contribution
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  • Title: www.hbor.hr
    Descriptive info: EXPORT CREDIT INSURANCE.. In today's international trade, the most usual precondition for the implementation of an export transaction is the possibility to sell on deferred payment terms.. In that way, a business relationship with a foreign buyer becomes a credit relationship that incorporates additional costs and risks.. Not only you will have to wait for the collection of your receivables longer, but the actual value of such receivables will decrease from day to day.. Competition in the international market is very demanding.. Export projects bear a number of risks that are not always obvious.. However, they can be reduced by using appropriate instruments of security.. Croatian Bank for Reconstruction and Development insures, for and on behalf of the Republic of Croatia, receivables arising from the export of goods and services against non-marketable commercial and political risks.. Marketable risks, in accordance with the  ...   market.. All other risks are considered to be non-marketable.. Since the Croatian private insurance market currently does not offer sufficient insurance for all marketable risks, HBOR can, on the basis of the “exemption clause” approved by the Croatian Competition Agency, provide insurance also for a portion of those risks that are not covered in the private markets.. In this way, HBOR supplements the existing market offer in line with the European Commission regulations.. As the national export-credit agency, HBOR has introduced a range of export credit insurance instruments providing exporters an opportunity to reduce and share the risks they face when they enter foreign markets.. Besides the programme for exporters, HBOR offers a possibility of export credit insurance also to commercial banks and financial institutions.. The good news is that you can share your risks with us!.. Contacts in Export Credit Insurance..

    Original link path: /Sec1345
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  • Title: www.hbor.hr
    Descriptive info: Market competition on international market is very demanding.. Export projects are carrying great number of risks that are not always visible but can be decreased with adequate instruments of insurance.. HBOR offers through its insurance products possibility of decreasing and sharing risk with entrepreneurs that are exporting goods and services.. Regardless whether the country in question is Austria, Italy, Germany, France, Bosnia and Herzegovina, Macedonia, Serbia or a country that  ...   and according to that covers transaction under determined price and specified conditions.. Various export transactions may be covered against commercial and political risks depending on payment terms and nature of exported goods or services.. Export-credit agencies support exporters by offering a wide range of export credit insurance products, and HBOR, as the Croatian agency, has introduced world practice into its activities by adjusting its standards to new trends on the market..

    Original link path: /Sec1336
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  • Title: www.hbor.hr
    Descriptive info: INTERNATIONAL REGULATIONS.. For the purpose of preventing unfair competition in the field of Officially Supported Export Credits and fostering a level playing field for the foreign trade support, in order to encourage competition based on quality and price of goods and services rather than on the most favourable financial terms and conditions, official export-credit agencies providing export credit finance and insurance customarily adhere to the general international rules (.. OECD Consensus.. , The Berne Union General Understanding).. OECD Consensus.. OECD Arrangement defines financing terms and conditions for export of goods and services with repayment terms of 2 or more years, short version of the terms are as follows and the comprehensive valid original document can be read under Arrangement on Guidelines for Officially Supported Export Credits:.. Buyer/Bank Credit cannot.. exceed 85%.. of the export contract value.. Down payment.. of at.. least 15%.. should be stipulated in the export contract payable as a rule before the first delivery or at the latest before the finalisation of the last delivery.. Local costs.. financed out of the Buyer/Bank Credit.. must not exceed 30% of the export contract value.. a) Maximum Repayment Terms vary according to the classification of the country of destination, as follows:.. For.. Category I *.. countries, the maximum repayment term is.. 5 years.. , with the possibility of agreeing up to 8.. 5 years with prior notification of OECD,.. Category II **.. countries, the maximum repayment term is up to.. 10 years.. In case of finacing construction of renewable energy resources, as an exception, the maximun repayment term can be up  ...   case of construction contracts, where the contractor has no responsibility for commissioning, the starting point of credit is the date when construction has been completed;.. In the case of any contract where the supplier or contractor has a contractual responsibility for commissioning, the starting point is the date when he has completed installation or construction and preliminary tests to ensure that it is ready for operation.. This applies whether or not it is handed over to the buyer at that time in accordance with the terms of the contract and irrespective of any continuing commitment which the supplier or contractor may have e.. for guaranteeing its effective functioning or for training local personnel;.. In the case of paragraphs from b) - d) where the contract involves the separate delivery of individual parts of a project, the starting point is the date of delivery for each separate part, or the mean date of those starting points, or the delivery date for an essential part of the project.. c) Repayment of Principal - shall normally be effected in equal semi-annual instalments and with the first instalment to be made no later than six months after the starting point of credit.. The minimum interest rate for official fixed rate loans cannot be lower than the relevant Commercial Interest Reference Rate – CIRR.. Interest shall not be capitalised during the repayment period.. Terms and conditions for Export Credits for ships, nuclear power plants, aircrafts and parts for such aircrafts as well as tied aid are separately specified within the.. Consensus in documents called Sector Understandings..

    Original link path: /Sec1337
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