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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.. FREQUENTLY ASKED QUESTIONS.. Pre-Shipment Export Finance.. 1.. Who can be the borrower under the Programme Pre- and Post-Shipment Export Finance?.. The borrower is, as a rule, the commercial bank with which HBOR concluded Co-operation Agreement on Implementation of the Programme.. Final borrowers are legal and natural persons registered in the Republic of Croatia exporting Croatian goods or services and operating at least one year.. 2.. What can the final borrower finance out of this loan?.. Final borrower can finance the procurement of necessary production materials, fuels, employees' salaries, accompanying purchase costs etc.. 3.. What is the maximum loan amount that can be extended under this programme?.. In co-operation with its commercial bank, the final borrower estimates the necessary loan amount.. HBOR does not determine the maximum loan amount, since its depends on the amount of planned and contracted export transactions.. Must the final borrower be an exporter (at least 30% of income generated through exports)?.. It is not a condition under this loan programme.. Final borrowers who have not been exporters so far and have agreed export transactions are eligible for financing.. 5.. Are these loans extended with the currency clause?.. Loans are extended in HRK and are not foreign-currency indexed.. 6.. What are the costs of loan approval for the final borrower?.. Final borrower is to pay one-off loan application processing fee of 1% of the extended loan amount before the first loan disbursement and the commitment fee for extended and undisbursed loan amount of 0.. 25% p.. a.. 7.. The company exports wooden logs.. Can we utilise a credit under the Programme Pre- and Post-Shipment Export Finance?.. No, because under the classification of NKD (national classification of activities) logs belong to raw materials.. 8.. Does HBOR provide direct lending under the Programme Pre- and Post-Shipment Export Finance?.. No, all loans are extended via commercial banks, with which HBOR concluded the co-operation agreement.. 9.. How long does it take to process a loan application in HBOR?.. From the day when the commercial bank submits to HBOR all necessary documentation, loan application processing takes about up to 10 days.. 10.. If a Croatian company is the owner of a company abroad, can the Croatian company obtain a pre-shipment export loan for its company abroad?.. A pre-shipment export loan can be utilised only ba a Croatian company.. The same company cannot obtain a pre-shipment export loan for its subsidiary company abroad.. 11.. I am active in trade.. I import goods from Russia, pack the goods in Croatia and export them into Bosnia.. Can I obtain a loan under the programme for this activity?.. For re-export activities, as in your case, HBOR does not approve a pre-shipment export loan.. Buyer credit with a bank guarantee.. What is financed under the buyer credit with a bank guarantee and under the supplier credit?.. The export of goods of Croatian origin, construction works and services.. When are goods considered to be of Croatian origin?.. The goods are considered to be of Croatian origin if they contain the minimum of 60% of Croatian component.. The certificate of origin is issued by HGK (Croatian Chamber of Economy).. Depending on the importing contry, the origin is also proven with documents EUR 1 and FORM-A.. Does the company have to conclude an export contract with the foreign buyer?.. The company can be the main  ...   The production of machines can partly be financed out of the advance payment, which must be at least 15%.. If a machine or machinery is delivered in phases or parts, HBOR disburses funds in accordance with the agreed delivery, which means after each delivered part or finished phase.. In such case, if possible, we recommend to determine the dates of the delivery in the manner that each delivery provides financial means for the production of a machine or a part which is to be delivered next.. For financing of production, you can also make use of HBOR's Pre- and Post-Shipment Export Finance Programme.. My company is the owner of a subsidiary company abroad which buys my products and sells them on the foreign market.. Can it be a borrower under the buyer credit with a bank guarantee?.. No, it is not possible to utilise this form of financing when selling goods between associated companies.. For such type of co-operation, an insurance policy can be issued, which is one of the preconditons to be awarded a contract.. Can any bank abroad issue a guarantee or be a borrower under the buyer credit with a bank guarantee?.. For those countries, for which Croatian exporters show large interest, HBOR has already made a list of acceptable banks for co-operation that can be sent to you upon request.. If the commercial bank of your buyer is not on this list, it is possible, upon the submission of necessary documentation (e.. g.. annual reports) and after an analysis, to accept the bank as a guarantor or a borrower for a certain amount.. If your buyer is in the country for which the list of acceptable banks has not yet been formed, we will ask you to submit to us necessary documentation of its commercial bank or we will, according to our needs and possibilities, contact directly the employees of that bank or financial institution.. I would like to work on a project worth USD 100 million, however, only goods of value of USD 30 million is of Croatian origin.. Is it possible to utilise a buyer credit with a bank guarantee?.. It is possible to extend loans only for the projects with at least 60% share of Croatian goods in the project.. In this case, it is possible to extend a loan up to the value of USD 50 million (loan amount USD 42.. 5 million – 85% of the export transaction value) for the part of the project containing Croatian goods worth USD 30 million (+ 20 million of goods of foreign origin), since in this case the proportion of 60% of Croatian share is retained (30 million is 60% of 50).. What is the minimum and the maximum loan amount that can be extended by HBOR?.. HBOR does not define the minimum and the maximum loan amount.. It depends on the concluded export transaction.. The loan repayment terms (defined by the Agreements and Understandings of the Berne Union) depend on the loan amount.. For example:.. for a loan of USD 80,000.. 00, the maximum loan repayment term that we can offer is 3 years,.. for a loan of up to USD 175,000.. 00, the maximum loan repayment term that we can offer is 4 years.. for loan of up to USD 350,000.. 00, the maximum loan repayment term that we can offer is 5 years.. 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..

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  • Title: www.hbor.hr
    Descriptive info: GLOSSARY.. OECD Consensus.. Organisation for Economic Co-operation and Development – The OECD Consensus is an international agreement of the OECD that came into being in 1978.. Its purpose is to maintain fair competition among exporting countries that are OECD Consensus Participants.. The Agreement is orientated towards the limitation of both minimum interest rates for the financing of export transactions and minimum premium rates for insurance.. Exporter.. A Croatian company or a crafts business, which has signed an export contract with a foreign legal entity.. Export Contract.. A contract between a Croatian company or a crafts business as one party and a foreign legal entity as the other, under which the Croatian party’s liability relates predominantly to producing and/or delivering goods and /or rendering services to a foreign buyer.. Insurance Policy.. A written document issued by an insurer as evidence of the concluded insurance contract.. Political Risks.. War or events similar to war, rebellion or revolution, government measures limiting, preventing or restricting remittances for a period of time exceeding 3 months; insured party’s inability to fulfil its obligations due to other political events – this definition includes any loss incurred in the course of production with respect to a foreign debtor or its guarantor as a public law entity.. Commercial Risks.. Non-payment or non-fulfilment of an obligation by a foreign debtor: insolvency, bankruptcy or enforcement proceedings relating  ...   are calculated on the basis of interest rate developments in the government bond market in basic currencies (USD, GBP, EUR, etc.. ) and on the basis of loan terms; they are obligatorily used when financing exports with state support; information about CIRR rates can be obtained on the web site: www.. oecd.. org, or by contacting HBOR.. Country Risk Classification.. The classification is based on the OECD Classification in effect from 24th July 2002.. More information can be obtained on the web site.. http://www.. org.. Side Agreement.. HBOR concludes a separate agreement with an exporter, which regulates their mutual rights and obligations as well as the issue of retention.. Retention is the share of the exporter and/or the insured party in the loss, i.. e.. the portion of the loan not covered by the insurance policy, which generally ranges from 5 to 20%.. 12.. Buyer Credit.. A special purpose loan agreement or a loan agreement for financing an export contract between a bank or a company (a lender or a creditor) as one party and a foreign bank or any other legal entity guaranteed by the bank or by a public law entity (a borrower or a debtor) as the other party, under which the foreign debtor’s primary liability relates to the payment of interest and repayment of the principal debt to the lender or creditor..

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  • Title: www.hbor.hr
    Descriptive info: HBOR PUBLISHED ITS SEMI-ANNUAL REPORT.. Zagreb, 29th August 2014 – Hrvatska banka za obnovu i razvitak published today its semi-annual financial statements for 2014.. In the reporting period, total income amounted to HRK 472.. 4 million, expenses to HRK 377.. 7 million and profit to HRK 94.. 7 million.. With the support of HBOR, Croatian entrepreneurs are building a holiday resort worth EUR 88.. 3 million in Russia.. Zagreb, 13 June 2014 – A EUR 75 million Credit Agreement was signed on HBOR’s premises by HBOR and “DNP BORISOV GORODOK” today for the purpose of financing the project of constructing a holiday resort with related infrastructure in Russia, the implementation of which includes some fifty Croatian companies under the leadership of the company Acquamarin.. The Agreement was signed by the Members of the Managing Board of HBOR, Ms Martina Jus and Mr Mladen Kober, and by the investor, Mr Armenak Safarov, the owner of the company “DNP BORISOV GORODOK”.. The signing ceremony was attended by Mr Robert Tomić, Member of the Managing Board of Acquamarin d.. VLADIMIR KRISTIJAN APPOINTED PRESIDENT AND MARTINA JUS MEMBER OF THE MANAGING BOARD OF HBOR.. Zagreb, 30 May 2014 – At today’s meeting, the Supervisory Board of Hrvatska banka za obnovu i razvitak accepted the proposal of the Government of the Republic of Croatia to appoint Mr Vladimir Kristijan President of the Managing Board of HBOR and Ms Martina Jus Member of the Managing Board of HBOR.. EIB Lends EUR 800 Million to HBOR for Promotion of SMEs and Innovation.. Zagreb, 24 March 2014 – Mr Dario Scannapieco, Vice-President of the European Investment Bank, and Mr Anton Kovačev, President of the Managing Board of the Croatian Bank for Reconstruction and Development, signed EUR 400 million Finance Contract as the first tranche of the loan today.. The signing ceremony was attended by Mr Slavko Linić, Minister of Finance.. Stable Operations and Maintained Portfolio Quality in 2013.. Zagreb, 12 March 2014 – Anton Kovačev, President of the Managing Board of Hrvatska banka za obnovu i razvitak, presented the achievements of HBOR in 2013 and announced the continuation of good cooperation with special financial institutions in 2014.. New Chairman of the Prague Club visited HBOR.. The Prague Club develops as a venue for discussion on strategically important issues for export credit insurance industry.. Memorandum of Understanding signed by HBOR and Banca UBAE S.. MoU establishes a framework for future co-operation for the purpose of promoting the development of commercial, industrial and economic relations between the Republic of Croatia and the countries of the North Africa, the Near East and the Indian Subcontinent.. EIB: HBOR Remains our Key Co-operation Partner in Croatia.. New Finance Contract Signed by HBOR and EIB.. Zagreb, 20 January 2014 – The European Investment Bank (EIB) and the Croatian Bank for Reconstruction and Development (HBOR) entered into EUR 25 Million Finance Contract.. The Contract was signed by Mr Dario Scannapieco, Vice-President of the EIB, and Mr Anton Kovačev, President of the Managing Board of HBOR.. HBOR and GARA signed Co-operation agreement on loan programmes.. Varaždin County Guarantee Agency (GARA) shall issue guarantees to small and medium-sized entrepreneurs for commercial bank loans extended under HBOR’s loan programmes.. Varaždin, 4 December 2013 – Mr Anton Kovačev, President of HBOR's Managing Board, and Mr Tomislav Šipek, Director of GARA, signed a Co-operation Agreement on Loan Programmes between HBOR and GARA.. The Agreement creates a framework for start-up enterprises and enterprises manufacturing and investing in the area of Varaždin County to benefit from the guarantees issued by GARA for loans extended by commercial banks under the loan programmes of HBOR.. Croatian Exporters and  ...   250 million loan to the Croatian Bank for Reconstruction and Development (HBOR) for the financing of projects promoted by small and medium-sized enterprises (SMEs) and mid-cap companies, small and medium-sized infrastructure projects in the public sector as well as limited size investment projects in the industry sector in the area of knowledge economy, energy, environmental protection, health and education.. HBOR Signed a EUR 90 Million Framework Loan Agreement with the Council of.. Europe Development Bank.. The loan is intended for the financing of projects in the SME sector and the public sector of the Republic of Croatia.. Zagreb, 8 July 2013 – The Council of Europe Development Bank (CEB) approved a EUR 90 million Framework Loan Agreement to Hrvatska banka za obnovu i razvitak (HBOR).. The Agreement was signed today by Mr Rolf Wenzel, Governor of the CEB, and Mr Anton Kovačev, President of HBOR's Managing Board.. Mr Slavko Linić, Minister of Finance of the Republic of Croatia, attended the signing ceremony.. Mobilisation of European long-term investors to foster EU growth.. HBOR among the founders of ELTI.. Paris, 5 July 2013 - The Presidents and top officials of 16 European long-term financial institutions, meeting in Paris today, have launched the European Association of Long-Term Investors (ELTI), joining forces to foster more sustainable, smart and inclusive European growth, notably for the youth.. HBOR approved HRK 0.. 5 billion for investments in tourism in the first five months.. Zagreb, 12 June 2013 – “A Thousand Swimming Pools for Croatian Tourism”, a programme implemented by the Ministry of Tourism in cooperation with the Ministry of Entrepreneurship and Crafts, was presented at the conference.. Changes to the loan programmes implemented by Hrvatska banka za obnovu i razvitak (HBOR) that relate to the tourism industry as well as possibilities of using structural funds for the financing of SMEs in tourism in 2013 were also presented.. Launch of Green Office Activities at HBOR.. Zagreb, 22-24 May – Five Green Office motivation workshops took place on the premises of Hrvatska banka za obnovu i razvitak (HBOR).. The employees of HBOR and Hrvatsko kreditno osiguranje (HKO) showed great interest in education on promoting energy efficient behaviour not only in offices but also in their own homes.. The Green Office workshops are part of the House in Order Government programme that HBOR joined by signing the Letter of Intent with the UNDP at the end of 2011.. Additional support for encouraging investment from the United States.. U.. Ambassador to Zagreb hopes to strengthen U.. investment in Croatia.. Zagreb, 3rd April 2013 – Yesterday, Anton Kovačev, President of the Managing Board of HBOR held a meeting with the U.. Ambassador to Croatia, Mr Kenneth Merten and Mr Thomas Johnston, the economic advisor.. Additional Incentive of EUR 500 million for the Development of SMEs in Croatia.. Signing of the contract for the largest loan approved to Hrvatska banka za obnovu i razvitak.. Zagreb, 25th January 2013 – European Investment Bank (EIB) approved a EUR 500 million loan to Hrvatska banka za obnovu i razvitak (HBOR) which represents HBOR’s biggest debit.. The first tranche of the loan, in the amount of EUR 250 million, was signed today by Mr Anton Rop, EIB Vice-President and Mr Anton Kovačev, President of the Managing Board of HBOR, the signing ceremony was attended by Mr Slavko Linić, Minister of Finance.. HBOR Public Announcement in 2012.. HBOR Public Announcement in 2011.. HBOR Public Announcement in 2010.. HBOR Public Announcement in 2009.. HBOR Public Announcement in 2008.. HBOR Public Announcement in 2007.. HBOR Public Announcement in 2006.. HBOR Public Announcement in 2005.. HBOR Public Announcement in 2004.. HBOR Public Announcement in 2003..

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  • Title: www.hbor.hr
    Descriptive info: HBOR Act.. Decision on the Promulgation of the Act on Amendments to the HBOR Act.. By-Laws Of Croatian Bank for Reconstruction and Development.. Decision on General Terms and Conditions of HBOR Lending Activities..

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  • Title: www.hbor.hr
    Descriptive info: Overview and download of financial statements.. Q1 financial statements.. 2014.. 2013.. 2012.. 2011.. 2010.. 2009.. Semi-annual financial statements.. Q3 financial statements.. Annual financial statements.. 2008.. 2007.. 2006.. Archive of annual reports..

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  • Title: www.hbor.hr
    Descriptive info: About us….. Hrvatska banka za obnovu i razvitak has, as a development and export bank, been operating successfully for more than 20 years owing to the expertise and professionalism of its employees.. Within the framework of our strategy for the development of human resources, we endeavour to enable every individual employee maximisation of its personal and professional potential.. Examinations of satisfaction with work that we carry out among our employees have always shown that our employees are particularly satisfied with their colleagues and the atmosphere at work, which we find crucial for the quality of work done and the overall satisfaction with work in every organisation.. In recognition of the quality of the implementation of HR process, Hrvatska banka za obnovu i razvitak has obtained the Employer Partner Certificate that is awarded by MojPosao and the Selectio Group for excellence in human resource management.. To us, the Certificate does not represent merely an award but rather a motive to become an even better employer whose employees will be more satisfied and motivated.. What type of  ...   freely, we invite you to join us!.. What are we offering?.. In addition to pleasant and encouraging work environment, a job at HBOR has a number of other advantages.. Those employees who show particular motivation and potential are given an opportunity to undergo continuous training and education both at the workplace and in numerous courses, seminars and studies at external institutions.. However, this is not all.. In order to make work at HBOR as easy and pleasant as possible, we offer our employees flexible working hours, recreation through HBOR sport, we organise annual charity activities (teambuilding)….. We like to celebrate and spend time together and we like to support and help one another.. We expect our employees to work with diligence and devotion, and we know how to reward such dedication.. If you would like to become part of our team of experts, apply to our vacant positions or send us your curriculum vitae at.. otvorena.. prijava@hbor.. hr.. Should you have any further questions or require any additional information, please feel free to contact us..

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  • Title: www.hbor.hr
    Descriptive info: /.. O Kreditiranju HBOR-a.. Kreditnu aktivnost HBOR provodi prvenstveno dugoročnim financiranjem razvojnih i izvoznih pothvata poslovnih subjekata u cilju učinkovite financijske podrške cjelovitom i održivom razvitku hrvatskog gospodarstva.. Kreditni programi provode se izravno ili putem poslovnih banaka s kojima HBOR ima zaključene ugovore o suradnji.. U cilju što kvalitetnije podrške gospodarstvenicima, HBOR sustavno prati tržišna kretanja i potrebe gospodarstvenika te sukladno tome proširuje ili mijenja svoju ponudu kredita..

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  • Title: www.hbor.hr
    Descriptive info: Ispiši ovu stranicu.. IZVOZ.. HBOR je kao izvozna banka razvio niz programa namijenjenih izvoznicima u cilju omogućavanja njihovog ravnopravnog natjecanja na međunarodnom tržištu.. Svojim programima prati izvoznike u svim fazama izvoza, počevši od pregovaranja izvoznog posla pa do konačne naplate ostvarenog izvoza.. Posljednja izmjena:.. 20..

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  • Title: www.hbor.hr - HRVATSKI
    Descriptive info: NAJČEŠĆA PITANJA.. Kreditiranje pripreme i naplate izvoza.. Tko može biti korisnik kredita po Programu kreditiranja pripreme i naplate izvoza?.. Korisnik kredita je u pravilu poslovna banka koja je s HBOR-om zaključila Sporazum o suradnji na provođenju Programa.. Krajnji korisnici kredita su pravne ili fizičke osobe registrirane u RH koje izvoze hrvatske robe ili usluge i posluju najmanje godinu dana.. Što krajnji korisnik kredita može financirati ovim kreditom?.. Krajnji korisnik može financirati nabavu potrebnog repromaterijala, energente, plaće zaposlenih, zavisne troškove nabave i sl.. Koji je najveći iznos kredita koji se odobrava po ovom programu?.. Krajnji korisnik u suradnji sa svojom poslovnom bankom procjenjuje potrebni iznos kredita.. HBOR ne određuje maksimalni iznos kredita, već isti ovisi o visini predviđenih i ugovorenih izvoznih poslova.. Da li krajnji korisnik kredita mora biti izvoznik (najmanje 30% prihoda ostvarivati izvozom)?.. Po ovom kreditnom programu to nije uvjet, već se kreditiraju i oni krajnji korisnici koji do sada nisu bili izvoznici, a imaju dogovorene izvozne poslove.. Da li se ovi krediti odobravaju uz valutnu klauzulu?.. Krediti se odobravaju u kunama, bez valutne klauzule.. Koje sve troškove krajnji korisnik ima prilikom odobravanja kredita?.. Krajnjeg korisnika očekuje plaćanje naknade za obradu kreditnog zahtjeva u visini 0,9% od odobrenog iznosa kredita, ista se plaća jednokratno prije prvog korištenja kredita, te naknada za rezervaciju odobrenog a neiskorištenog iznosa kredita koja iznosi 0,25% godišnje.. Poduzeće se bavi izvozom drvenih trupaca, da li možemo koristiti kredit po Programu kreditiranja pripreme roba za izvoz i izvoza roba?.. Ne, budući trupci po klasifikaciji NKD-a pripadaju skupini sirovina.. Da li HBOR omogućuje direktno kreditiranje po Programu kreditiranja pripreme i naplate izvoza?.. Krediti se u pravilu plasiraju preko poslovnih banaka s kojima je HBOR sklopio ugovor o suradnji.. Koliko dugo traje obrada kreditnog zahtjeva u HBOR-u?.. Od dana kada poslovna banka dostavi HBOR-u svu potrebnu obrada kreditnog zahtjeva traje u pravilu do 10-ak dana.. Ako je hrvatsko poduzeće vlasnik poduzeća u inozemstvu, može li hrvatsko poduzeće dobiti kredit za pripremu a za svoje poduzeće u inozemstvu?.. Kredit za pripremu može koristiti samo hrvatsko poduzeće.. Isto poduzeće ne može dobiti kredit za pripremu proizvodnje za svoje poduzeće kćer u inozemstvu.. Bavim se trgovinom.. Uvozim robu iz Rusije, prepakiram istu u Hrvatskoj i izvozim u Bosnu.. Mogu li za opisani posao koristiti kredit po programu pripreme?.. Za poslove reeksporta, što je Vaš slučaj, HBOR ne odobrava kredit za pripremu proizvodnje.. Kreditiranje naplate izvoznog posla.. Što je predmet kreditiranja po programima kreditiranja kupaca u inozemstvu uz garanciju banke ili programu kreditiranja dobavljača?.. Kreditira se izvoz roba hrvatskog porijekla, građevinskih radova i usluga.. Kada se smatra da je neka roba hrvatskog porijekla?.. Smatramo da je roba hrvatskog porijekla ako je minimalno 60% hrvatske komponente sadržano u istoj.. Uvjerenje o porijeklu robe izdaje HGK.. Porijeklo se još dokazuje ovisno o zemlji izvoza s dokumentima EUR 1 i FORM-A.. Da li poduzeće mora zaključiti izvozni ugovor s kupcem u inozemstvu?.. Poduzeće može biti glavni isporučitelj i zaključiti izvozni ugovor s kupcem u inozemstvu, ali može biti i podizvođač ili isporučitelj robe nekom nositelju posla u okviru većih projekata.. Tada HBOR kreditira kupca u inozemstvu samo za hrvatski udio u ukupnom poslu iako on nije u direktnom ugovornom odnosu s kupcem.. Naše poduzeće želi sudjelovati na međunarodnom natječaju, kupac uvjetuje osiguranje financiranja, što trebamo poduzeti?.. Obratite se HBOR-u sa zahtjevom za izdavanje Indikativne ponude koju ćete priložiti uz natječajnu dokumentaciju.. Za izdavanje Indikativne ponude potrebno je popuniti obrazac Informacije o izvoznom poslu.. Kupac u inozemstvu traži kupnju hrvatske robe uz obročnu otplatu, ali iz nekih razloga ne može biti korisnik kredita, što mu možemo predložiti?.. Robni kredit svom kupcu u inozemstvu možete realizirati putem programa Kredit dobavljača.. Da li je moguće financiranje premije osiguranja iz kredita kupcu uz garanciju banke?.. Da, premiju osiguranja možemo uračunati u glavnicu kredita i to najviše 85% iznosa premije.. Premija se također može platiti kroz kamatnu stopu koja se u tom slučaju uvećava za određeni postotak.. Zaključio sam izvozni ugovor s kupcem u inozemstvu.. Za 12 mjeseci moram isporučiti ugovoreni stroj.. Ako HBOR odobri kreditiranje navedenog posla, kada mogu očekivati sredstva na svom računu? Da li ću sredstva iz odobrenog kredita moći koristiti za financiranje proizvodnje navedenog stroja?.. HBOR sredstva po odobrenju kredita isplaćuje na račun izvoznika po izvršenoj isporuci, što znači da ova sredstva nisu namijenjena financiranju proizvodnje, već samo naplati izvoznog posla.. Proizvodnju stroja djelomično možete financirati iz avansa koji minimalno mora iznositi 15%.. Ako se stroj ili strojni park isporučuje po fazama ili dijelovima, HBOR isplaćuje sredstva kao što je ugovorena isporuka, što znači nakon svakog isporučenog dijela ili završene faze.. U tom slučaju, ukoliko je moguće, preporučamo ugovoriti datume isporuka na način da Vam svaka osigura financijska sredstva za proizvodnju stroja ili dijela koji se isporučuje u idućoj.. Za kreditiranje proizvodnje možete također koristiti HBOR-ov Program kreditiranja pripreme proizvodnje za izvoz i izvoz roba.. Moje je poduzeće vlasnik poduzeća-kćeri u inozemstvu koje kupuje moje proizvode i plasira ih na inozemnom tržištu.. Može li ono biti korisnik kredita po programu kreditiranja izvoza kreditiranjem kupca u inozemstvu uz garanciju banke?.. Ne, nije moguće koristiti ovaj oblik kreditiranja pri prodaji robe povezanim poduzećima.. Za ovakav oblik suradnje nije moguće izdati policu osiguranja što je jedan od preduvjeta za dobivanje posla.. Može li bilo koja banka u inozemstvu izdati garanciju ili biti korisnik kredita po programu kreditiranja izvoza kreditiranjem kupca u inozemstvu uz garanciju banke?.. Za zemlje za koje hrvatski izvoznici pokazuju veće zanimanje, HBOR je već izradio listu prihvatljivih banaka za suradnju koju Vam na upit možemo poslati.. Ukoliko se poslovna banka Vašeg kupca ne nalazi na ovoj listi, moguće je, po dostavi potrebne dokumentacije (npr.. godišnja izvješća) nakon analize prihvatiti banku kao garanta ili korisnika kredita za određeni iznos.. Ukoliko se Vaš kupac nalazi u zemlji za koju još nije formirana lista prihvatljivih banaka, zamolit ćemo Vas da nam dostavite potrebnu dokumentaciju njegove poslovne banke ili ćemo, prema potrebi i mogućnostima, izravno stupiti u kontakt s djelatnicima te banke ili financijske institucije.. Radio bih na projektu vrijednom 100 mil.. USD, međutim samo je roba u vrijednosti od 30 mil.. USD hrvatskog podrijetla.. Da li je moguće koristiti kredit za kreditiranje izvoza kapitalnih dobara kreditiranjem kupca u inozemstvu uz garanciju  ...   ona ovisi o vrsti osiguranja te se obračunava i naplaćuje jednokratno unaprijed na iznos zatražene osigurane svote, kreće se od 200,00 do najviše 7.. 000,00 kuna.. Što je osigurana limit/svota?.. Predstavlja iznos do kojeg je osiguran izvoz prema Vašem inozemnom kupcu.. Osiguranu svotu određuje HBOR temeljem Vašeg zahtjeva za svakog pojedinog kupca.. U slučaju kontinuiranih isporuka, osigurani limit bi trebao predstavljati Vaše maksimalno potraživanje prema određenom kupcu.. HBOR u svakom trenutku ima pravo smanjiti iznos osigurane svote ili ju i ukinuti, kao posljedicu negativnih informacija o kupcu ili nastupa nekog drugog rizika osiguranog policom osiguranja.. To znači da izvoznik mora smanjiti svoju izloženost u narednom periodu do visine te nove osigurane svote ili dalje uopće ne izvoziti u slučaju ukidanja limita/svote.. Koje su obveze osiguranika po zaključenom Ugovoru o osiguranju?.. Izvještavati HBOR u ugovorenim rokovima o mjesečno izvršenim isporukama roba i usluga, eventualnim izmjenama dogovorenih uvjeta te eventualnim problemima sa naplatom.. Uredno plaćati premiju osiguranja te poštivati odredbe Općih uvjeta osiguranja i odredbe Ugovora o osiguranju.. Kod svakog problema s naplatom, pismeno o tome izvijestiti HBOR odmah po saznanju, a najkasnije u roku od 30 dana od dospijeća potraživanja koje nije naplaćeno te dalje postupati sukladno naputcima HBOR-a.. Kada podnijeti odštetni zahtjev?.. Osiguranik ima pravo na podnošenje odštetnog zahtjeva nakon nastupa jednog ili više osiguranih rizika pokrivenih Policom osiguranja.. Ako je riječ o stečaju kupca, osiguranik može podnijeti Odštetni zahtjev odmah nakon upisa potraživanja u stečajnu masu, a u drugim slučajevima istekom 5 mjeseci od prijave kašnjenja plaćanja HBOR-u.. Iz navedenog proizlazi da je vrlo bitno HBOR-u u roku od 30 dana od uobičajenog dospijeća plaćanja prijaviti kašnjenje plaćanja ako je do njega došlo.. Iznos odštete koji se isplaćuje predstavlja iznos nenaplaćenog dospjelog potraživanja umanjenog za samopridržaj.. Koliki je iznos odštete?.. Iznos odštete predstavlja iznos nenaplaćenog dospjelog potraživanja umanjenog za samopridržaj, ali najviše do iznosa osigurane svote.. Samopridržaj je vlastiti udio osiguranika u šteti, odnosno nepokriveni dio štete koji iznosi najmanje 15%.. 14.. U kojim slučajevima osiguranik nema pravo na odštetu?.. Osiguranik nema pravo na odštetu ako nije platio premiju osiguranja, ako je dao neistinite informacije kod podnošenja zahtjeva za osiguranje, ako je namjerno prešutio neke od bitnih informacija za zaključivanje osiguranja, ako nije izvršio isporuku roba i usluga sukladno ugovorenim uvjetima, ako postoje sporna potraživanja prema inozemnom kupcu, ako nije u dogovorenim rokovima izvještavao HBOR o nenaplaćenim potraživanjima te ako se nije pridržavao odredbi zaključenog Ugovora o osiguranju.. Što su agencije za naplatu potraživanja te da li HBOR sudjeluje u aktivnostima naplate dospjelog potraživanja?.. Agencije za naplatu potraživanja su specijalizirane ustanove ili odvjetnički uredi koji po nalogu vrše naplatu potraživanja u slučaju kada vjerovnik nije u mogućnosti sam naplatiti svoje dospjelo potraživanje.. U pravilu agencije naplaćuju svoje usluge tek po uspješno obavljenom poslu.. O navedenim agencijama za naplatu potraživanja detaljnije informacije i kontakte možete dobiti u HBOR-u.. HBOR odmah po zaprimanju pisane obavijesti o kupčevom neplaćanju, u dogovoru s osiguranikom šalje pismene opomene kupcu, pozivajući ga na promptno izvršenje svojih obveza.. Vrlo je važno reagirati odmah, odnosno ostati s kupcem u stalnom telefonskom i pismenom kontaktu.. 16.. Što je pridržaj prava vlasništva?.. Pridržaj prava vlasništva (DOC - 60KB)(engl.. retention of property right, njem.. Vermögenszurückbehaltungsrecht, lat.. pactum reservati dominii) je posebna odredba u kupoprodajnom ugovoru na temelju koje prodavalac zadržava vlasništvo na stvari koju je predao kupcu sve dok mu kupac u cjelosti ne plati ugovorenu cijenu.. U nekim slučajevima ugovaranje pridržaja prava vlasništva omogućuje izvozniku povrat isporučene robe u slučaju neplaćanja.. 17.. Kako se određuje kategorizacija zemlje?.. HBOR klasificira zemlje u sedam kategorija ovisno o stupnju političkog rizika zemlje, pri čemu kategorija 1 predstavlja najniži rizik, a kategorija 7 najviši rizik.. Za zemlje u 7.. kategoriji rizičnosti, mogućnost osiguranja se razmatra od slučaja do slučaja.. 18.. Što je srednjoročno-dugoročno osiguranje i što se sve može osigurati?.. Srednjoročno-dugoročnim osiguranjem se osiguravaju izvozni poslovi s ugovorenim rokovima plaćanja dužim od godine dana.. Ovo se osiguranje odnosi na izvoz robe i usluga veće vrijednosti (kapitalna dobra, građevinski radovi i sl.. ).. Osigurati se može:.. * kredit dobavljača.. * kredit kupcu ili banci kupca.. * štete tijekom proizvodnje.. * kreditne linije.. * ulaganje u inozemstvo.. 19.. Što je osiguranje kredita kupcu?.. Kredit kupcu ili banci kupca se odobrava u cilju osiguravanja promptne naplate izvoznog posla, pri čemu je osiguranik poslovna banka koja osigurava svoje potraživanje prema kupcu ili njegovoj banci temeljem ugovora o kreditu.. Što je osiguranje kredita dobavljača?.. Kod osiguranja kredita dobavljača osigurava se prodaja uz odgodu plaćanja, definirana u komercijalnom ugovoru između izvoznika i inozemnog kupca.. Osiguranik je u ovom slučaju izvoznik koji može asignacijom prenijeti prava iz Ugovora o osiguranju na banku koja financijski prati cijeli izvozni posao.. 21.. Što je osiguranje šteta tijekom proizvodnje?.. Kod proizvodnje robe za izvoz po specijalnoj narudžbi i koju je nemoguće prodati drugom kupcu, moguće je osigurati i štete tijekom proizvodnje kojima se osigurava rizik nemogućnosti izvršenja izvoznog ugovora od strane izvoznika radi raskida ugovora od strane kupca ili nastanka nekog političkog rizika koji onemogućava izvršenje ugovora, npr.. uvođenje embarga na izvoz u zemlju kupca.. 22.. Što je osiguranje ulaganja u inozemstvo?.. Osiguranje ulaganja u inozemstvo je namijenjeno hrvatskim ulagačima te podrazumijeva osiguranje od političkih rizika na koje osiguranik ne može utjecati i koji mogu ugroziti uspješnost realizacije cjelokupnog ulaganja (npr.. nemogućnost i ograničenja transfera valute, izvlaštenje-eksproprijacija, rat i građanski nemiri itd.. 23.. Da li je moguće osiguranje i u slučaju da nije zadovoljen kriterij minimalnog udjela hrvatskog podrijetla u robama i uslugama?.. Ako se radi o projektima veće vrijednosti i dužeg trajanja rizika, kada su u projekt uključeni dobavljači iz različitih zemalja, pokriće je moguće odobriti u suradnji s izvozno kreditnim agencijama iz tih zemalja, tako da svaka od izvozno-kreditnih agencija pokriva svoj nacionalni udio u projektu.. Za potrebe takvih projekata, agencije međusobno dogovaraju uvjete pokrića i to temeljem ugovora o osiguranju, reosiguranju ili paralelnom osiguranju.. 24.. Da li je moguće prava iz Police osiguranja prenijeti/uputiti na treću osobu?.. Prava iz Ugovora o osiguranju je moguće prenijeti na treću osobu uz pisanu suglasnost HBOR-a kao osiguravatelja.. Uobičajeno je da se na zahtjev osiguranika prava iz Ugovora o osiguranju prenose na poslovnu banku u cilju realizacije izvoznog kredita i to potpisivanjem Ugovora o asignaciji (upućivanju).. Ispis..

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  • Title: www.hbor.hr
    Descriptive info: Najčešća pitanja.. Podrška izvozu - brošura..

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  • Title: www.hbor.hr
    Descriptive info: Ulaganjem u turističku djelatnost nastoji se utjecati na razvoj kako malih i srednjih tako i velikih hotelsko turističkih društava, i to kroz povećanje kapaciteta smještaja, povećanje kategorizacije, podizanje razine usluge, a samim tim i produžetkom turističke sezone.. Po svojoj namjeni dugoročni krediti su uglavnom namijenjeni za osnovna sredstva odnosno kupnju, izgradnju ili rekonstrukciju objekata, te opremanje istih, a kratkoročni za potrebe pripreme turističkih sezona odnosno ulaganja u obrtna sredstva za nabavu hrane, pića, sitnog inventara i tekuće održavanje.. 2.. 2008..

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