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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.. /.. Youth Entrepreneurship.. YOUTH ENTREPRENEURSHIP.. Loan Programme for the Financing of Youth Entrepreneurship.. 1.. Final Borrowers.. Companies, crafts businesses, natural persons performing a freelance work, co-operatives and institutions:.. having a registered business in the Republic of Croatia,.. in which one or several persons younger than 30 owns at least 51% of the capital or the persons in the age group up to 30 years are registered owners.. and.. the Managing Board of which is chaired by a person not older than 30 years.. Purpose of Loans.. The purpose of loans are investments in:.. Fixed assets:.. Tangible assets.. Initial funding,.. Land plots, buildings,.. Equipment and devices,.. Nucleus breeding unit and planting perennial plants.. Intangible assets (development of products or services, patents, licenses, concessions, copyrights, franchises).. Permanent working capital (up to 30% of the total loan amount).. The amount of investments in intangible assets depends on the expert assessment of the client and / or project as well as the availability of HBOR’s funds.. In case of financing the development of products or services, the borrower is required to submit a detailed business plan with a description of a product or service, use of the product or service, the target group of users of products or services, the duration of the development, the planned price of future products and the associated planned revenues in future periods, planned costs, etc.. Not eligible for financing:.. Parts of investments for personal use,.. Purchase, construction and furnishing of apartments, regardless of whether the investment is made by natural or legal persons, except in case of investments in apartment hotels with a restaurant,.. Catering facilities serving beverages as their sole activity,.. Casinos, gambling premises and similar activities,.. Petrol stations,.. Automobile showrooms and repair shops,.. Construction of housing and business premises for the purpose of sale,.. Construction and purchase of dwelling premises for the purpose of their use as business premises.. Manufacturing and distribution of  ...   100% of the estimated investment value, VAT not included.. Disbursement period.. Up to 12 months.. Grace period.. up to 2 years.. up to 5 years for planting and/or restructuring of perennial crops.. Repayment period.. Up to 12 years, including grace period.. Interest rate for Final Borrowers.. 4% p.. a.. Ministry of Entrepreneurship and Trade subsidises the interest rate for the borrower up to a maximum of 2% per year, except for investments in agriculture and fishery; consequently, the interest rate for final borrowers shall be reduced for a percentage of the approved subsidy.. The possibility of interest rate subsidy depends on the funds of the Ministry of Entrepreneurship and Trade available for subsidies.. Interest rate for investments in agriculture and fishery is 4% annually.. 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.. 5.. Loan Application Fee.. 0.. 8% one-off.. , charged on the committed loan amount, and at least HRK 500.. 00 (five hundred).. 6.. Commitment Fee.. 25% p.. , charged on the committed undisbursed loan amount, starting 30 days from the loan contract date.. 7.. Security.. HBOR accepts:.. bills of exchange and debentures,.. pledge of property or transfer of fiduciary title to property supported by property insurance policy in favour of HBOR.. bank guarantees,.. guarantees issued by HAMAG-BICRO,.. for loans up to HRK 100,000.. 00, two creditworthy guarantors,.. 00 with HAMAG-BICRO guarantee for 80% of the loan principal, bills of exchange and debentures of the borrower and the owner together with the owner’s consent for the seizure of the salary.. other customary security in the banking operations.. In case loans are on-lent via commercial banks, collateral will be negotiated between the final borrower and the commercial bank.. More detailed information ralating to this programme can be obtained at:.. HBOR, Strossmayerov trg 9, 10000 Zagreb.. Phone: +385 1 / 4591 666.. E-mail:.. msp@hbor.. hr.. 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: /new-youth-entrepreneurship
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  • Title: www.hbor.hr
    Descriptive info: Start-Ups.. START-UPS.. Loan Programme for Incentives to Start Up Small Enterprises.. Croatian citizens who:.. start a crafts business or a company for the first time.. have registered business.. will be actively and permanently employed in a responsible position within the newly established company or crafts business after the investment has been completed.. are under 55 years of age.. are not owners of another company or crafts business.. are not joint owners of another company or crafts business holding more than 30% ownership interest.. Borrowers can also be co-operatives and small and medium entrepreneurs operating less than 2 years.. I.. initial funding.. land plots, buildings.. equipment and devices.. nucleus breeding unit and planting perennial crops.. II.. Permanent current assets (up to 30% of the total loan amount).. The amount of investment in intangible assets depends on the expert assessment of client and/or project as well as on HBOR’s available funds.. In the case of financing the development of products or services, a borrower is obliged to submit a detailed business plan containing the description of a product or service, the purpose of a product or service, the target groups of end-users of a product or service, the duration of the development, the planned price of a future product and all related planned future income, planned expenses, etc.. Investments already started and investments under way.. The refund of already invested funds will not be financed.. via commercial banks.. direct lending.. This manner of Loan Programme implementation is organised in co-operation with commercial banks that implement the Programme for and on behalf of HBOR.. Loan applications for direct loans are submitted to the offices of: Hrvatska poštanska banka d.. , Zagreb; Partner banka d.. , Zagreb and Privredna banka Zagreb d..  ...   8%.. one-off, charged on the committed loan amount.. 25%.. , charged on the committed undisbursed loan amount, starting 30 days from the loan contract date.. 8.. bills of exchange and debentures.. pledge of property or transfer of fiduciary title to property supported by property insurance policy in favour of HBOR.. bank guarantees.. guarantees issued by HAMAG-BICRO.. In the case of loans of up to HRK 100.. 000,00 covered by HAMAG-BICRO guaranteeing 80% of the loan principal, bills of exchange and debentures of the borrower and of the owner together with the owner’s consent for the seizure of salary.. for loans of up to HRK 100,000.. 00 two creditworthy guarantors and.. other customary security in the banking operations.. In the case of loans on-lent via commercial banks, collateral will be negotiated between the borrower and the commercial bank.. 9.. Commercial banks Co-operating with HBOR.. Banco Popolare Croatia d.. , Zagreb.. Banka Kovanica d.. , Varaždin.. BKS Bank d.. , Rijeka.. Croatia banka d.. Erste Steiermärkische bank d.. Hrvatska poštanska banka d.. Hypo Alpe-Adria-Bank d.. Imex banka d.. , Split.. Istarska kreditna banka Umag d.. , Umag.. Kreditna banka Zagreb d.. OTP banka Hrvatska d.. , Zadar.. Partner banka d.. Podravska banka d.. , Koprivnica.. Privredna banka Zagreb d.. Raiffeisenbank Austria d.. Samoborska banka d.. , Samobor.. Sberbank d.. Slatinska banka d.. , Slatina.. Societe Generale – Splitska banka d.. Štedbanka d.. Vaba d.. banka Varaždin.. Veneto banka 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..

    Original link path: /Sec1323
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  • Title: www.hbor.hr
    Descriptive info: Small And Medium Entrepreneurship.. SMALL AND MEDIUM ENTREPRENEURSHIP.. Loan Programme for the Development of Private Small and Medium Businesses.. Final borrowers.. companies, craftsmen, natural persons running their businesses as sole traders.. co-operatives, institutions.. that operate at least two years.. Final borrowers can be legal entities and natural persons operating less than two years, if the owner and/or the founder have prior business experience.. nucleus breeding unit, planting perennial crops.. Permanent current assets (up to 15% of the total loan amount).. The amount of investment in intangible assets depends on the expert assessment of client and/or project as well as on HBOR's available funds.. via commercial banks.. 00, the maximum amount HRK 8,000,000.. loans are granted in HRK and indexed to foreign currency.. As a rule, HBOR finances up to 75% of the estimated investment value, VAT not included.. grace period: up  ...   state concern, a hill or mountain area, the islands, agriculture, fishing.. and.. borrowers having proven their competitiveness by successful sales figures in domestic and/or foreign markets.. all other business entities.. Interest rate is variable based on the Decision of HBOR Managing Board and pursuant to the criteria of the HBOR’s Decision on Interest Rates and the Interest Calculation Regulations.. one-off, charged on the committed loan amount.. , charged on the committed undisbursed loan amount, starting 30 days after the loan contract date.. pledge of property of transfer of fiduciary title to property supported by property insurance policy endorsed in favour of HBOR bank guarantees.. guarantees issued by HAMAG-BICRO and.. In the case of loans extended via commercial banks, final borrowers negotiate collateral with their commercial banks.. List of Commercial Banks Co-operating on the Loan Programme.. Jadranska banka d.. , Šibenik.. Implementation Period..

    Original link path: /Sec1479
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  • Title: www.hbor.hr
    Descriptive info: Environmental Protection, Energy Efficiency.. ENVIRONMENTAL PROTECTION.. Loan Programme for the Financing of Projects of Environmental Protection, Energy Efficiency and Renewable Energy Resources.. Units of local and regional government.. Utility companies.. Companies, craftsmen, other legal entities.. Fixed assets.. initial funding.. land plots.. buildings.. equipment and devices.. Catering facilities whose sole activity is serving beverages,.. Production and distribution of tobacco products,.. Construction and purchase of dwelling premises for the purpose of their use as business premises,.. Purchase of immovable or movable property from associated persons,.. Purchase, construction, reconstruction and furnishing of business premises for trading activities, except in the areas of special state concern, the islands and hill or mountain areas,.. The refund of already invested funds will not be financed,.. Publishing of newspapers and other periodicals, production and broadcasting of radio and television programmes, activities of news agencies and service activities of advertising and public relations agencies,.. Purchase of personal vehicles except for delivery vehicles.. Financing borrowers via commercial banks.. Direct lending.. The amount of loan amount is not limited.. it depends on HBOR's financing capabilities, the investment project, the creditworthiness of the borrower and quality of security offered; generally, loan applications lower than HRK 100,000.. 00 shall not be considered.. loans are approved in HRK and are indexed to foreign currency.. HBOR finances up to 75% of the estimated investment value, VAT not included.. up to 14 years, grace period included.. Interest.. As an exception, in the case of financing projects exceeding HRK 37 million, HBOR reserves the right to approve loans at a higher interest rate in accordance with  ...   the Interest Calculation Regulations.. Interest rates offered by HBOR for direct lending or for on-lending through commercial banks in accordance with the Public Procurement Act at public biddings for loan quotas are fixed and invariable.. Interest rate can be agreed as the 3-month EURIBOR +2% b.. annually as variable interest rate indexed to market reference rate (3m EURIBOR) increased by a fixed margin.. Remark.. : If an investment meets the acceptability criteria of the Environmental Protection and Energy Efficiency Fund (Purposes and procedures eligible for the approval of funds of the Environmental Protection and Energy Efficiency Fund can be downloaded from the website of the Fund:.. www.. fzoeu.. ) and if the Fund approves interest rate subsidy, the above interest rate shall be reduced by 2%, i.. e.. by the amount of the approved subsidy.. charged on the undisbursed loan amount, starting 30 days after the loan contract date.. For securing due fulfilment of loan obligations, HBOR shall accept:.. 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, guarantees issued by the Republic of Croatia.. other collateral customary in banking operations.. Commercial Banks Co-operating with HBOR on the Loan Programme.. , Zagreb.. , Varaždin.. , Rijeka.. Hypo-Alpe-Adria Bank d.. , Split.. Istarska Kreditna banka Umag d.. , Umag.. Kentbank d.. , Zadar.. , Koprivnica.. , Slatina.. Société Générale-Splitska banka d.. Phone: +385 1 / 4597 817, +385 1 / 4591 675.. infrastruktura@hbor.. Contribution to the loan for energy efficiency..

    Original link path: /sec1483
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  • Title: www.hbor.hr
    Descriptive info: Energy Renovation of Buildings.. INFRASTRUCTURE.. Loan programme for The Energy Renovation of Buildings.. Borrowers.. energy service providers (companies and crafts businesses providing the service of energy efficiency improvements on public sector buildings, selected in the public bidding process).. energy service buyers (state administration, local or regional government units of the Republic of Croatia as well as institutions, agencies, schools and hospitals owned by the above).. companies and crafts businesses investing in energy efficiency.. Purpose of the Loans.. renovation and reconstruction of buildings.. The Centre for the Monitoring of the Operations of the Energy Sector and Investment assesses the eligibility of each project in terms of energy efficiency and renewable energy resources and accordingly issues a Confirmation of the Technical and Financial Feasibility of the Project.. Manner of Implementing Loan Programme.. on-lending via commercial banks.. The maximum loan amount is not limited and depends on the financing abilities of HBOR, the investment project, the creditworthiness of the borrower, the eligibility of project as evidenced by the Confirmation of the Technical and Financial Feasibility of the Project and the value and  ...   and pursuant to the criteria of the HBOR’s Decision on Interest Rates and the Interest Calculation Regulations.. one-off, on the committed loan amount.. on the undisbursed loan amount, starting 30 days after the date of the loan contract.. For the purpose of securing due fulfilment of loan obligations, HBOR accepts:.. bills of exchange and debentures of the final borrower and the owner of the final borrower.. bills of exchange and debentures of the local and regional government unit or the state administration body if it is the final borrower.. contract on the assignment of receivables, by means of which the receivables of the energy service provider from the energy service buyer are assigned to the lender.. performance-related guarantees transferable to HBOR.. guarantee issued by HAMAG-BICRO covering the repayment of loan in the amount of up to 80 per cent of the amount of HBOR’s loan.. as an exception, if deemed necessary in the light of project size and quality, HBOR may consider other collateral customary in banking practice.. Phone: +385 1 / 4597 817, +385 1 / 4597 907..

    Original link path: /energy-renovation-of-buildings
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  • Title: www.hbor.hr
    Descriptive info: Development of Communal Infrastructure.. Loan Programme for Development of Communal Infrastructure.. Companies and other legal entities.. land plots.. buildings.. Permanent working capital:.. only for investments in social infrastructure (up to 30% of the total loan amount).. purchase of real estate and immovable property from associated persons.. purchase or construction of office premises.. financing borrowers via commercial banks.. Loan Amount, Disbursement Period and Repayment.. The loan amount is not limited.. depends on HBOR’s financing capabilities, the investment project, creditworthiness of the final borrower, value and quality of security offered.. Exceptionally, HBOR may finance up to 100% of estimated investment value, VAT  ...   years, including grace period.. As an exception, in the case of financing projects exceeding HRK 37million, HBOR reserves the right to approve loans at a higher interest rate in accordance with the available funding sources.. Interest rate is fixed for loans that are approved directly or via commercial banks on public tenders.. charged on the committed undisbursed loan amount, starting 30 days after the loan contract date.. pledge of property of transfer of fiduciary title to property supported by property insurance policy endorsed in favour of HBOR.. guarantees issued by HAMAG-BICRO, guarantees issued by the Republic of Croatia,.. Hypo-Alpe-Adria bank d..

    Original link path: /development-of-communal-infrastructure
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  • Title: www.hbor.hr
    Descriptive info: Permanent Working Capital.. PERMANENT WORKING CAPITAL.. (Financing Permanent Working Capital for Business Intensification).. companies, craftsmen, natural persons – family farms within the VAT system, cooperatives and institutions.. – that are registered and active in the Republic of Croatia.. Financing investments in permanent working capital for business intensification.. Loan Amount and Repayment Period.. Not limited, depends on HBOR’s available funds, opinion of the commercial bank, creditworthiness of the final borrower, final borrower's requirements of the permanent working capital and the possibility of utilisation of de minimis state aid.. Loans are granted in HRK, not foreign currency indexed.. up to 6 months.. from 2 to 6 years, including grace period.. Interest Rate for Final Borrowers.. (In case  ...   hill or mountain area or the islands.. or.. active in agriculture or fishing.. having proven their competitiveness by successful sales figures in domestic and/or foreign markets.. 6% p.. ALL OTHER BUSINESS ENTITIES.. Interest is calculated on the basis of the proportional method.. Interest is calculated and charged on a monthly or quarterly basis on the disbursed loan amount.. one-off, charged on the committed loan amount, at least HRK 500 (five hundred).. of the committed undisbursed loan amount.. pledge of property or transfer of fiduciary title to property.. bank guarantees, guarantee of HAMAG-BICRO and.. other security instruments customary in banking operations.. Final borrowers negotiate collateral with commercial banks.. Phone: +385 1 / 45 91 538.. tos@hbor..

    Original link path: /permanent-working-capital
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  • Title: www.hbor.hr
    Descriptive info: Liquidity.. LIQUIDITY.. Loan Programme for the Improvement of Liquidity.. Companies, craftsmen, institutions or co-operatives registered and active in the Republic of Croatia.. Manufacturing arms, ammunition, military and police equipment, detention facilities or prison centres,.. Growing, processing and distribution of tobacco,.. Conducting experiments on animals,.. Operations with adverse environmental effects,.. Entrepreneurs active in coal industry,.. Procurement of vehicles for road freight transport for entrepreneurs performing road freight transport for hire or compensation,.. Activities focused on exporting to third countries or EU member states or activities directly related to exported quantities, establishment and operation of distribution networks or other on-going costs associated with export activity,.. Publishing of newspapers and other periodicals, production and broadcasting of radio and television programmes, news agency activities and services of advertising and public relations agencies under all loan programmes,.. Purchase of interests, shares or other securities,.. Settlement of obligations towards suppliers, financial institutions and settlement of other short-term liabilities.. Via commercial banks.. Risk-sharing model for small and medium-sized enterprises.. Not limited, depends on HBOR’s available funds, opinion of the commercial bank and the possibility of utilising state aid.. Loans are granted in HRK.. 3 or 6 months after disbursement deadline.. Disbursement deadline is, as a rule, 30 days after the signing of the loan  ...   until the full utilisation of available funds of HBOR for the implementation of this measure.. Interest rate.. (for all types of business entities).. Interest is calculated and charged on a quarterly basis on the disbursed loan amount with the exception of the final calculation which falls due on loan maturity date.. a one-off loan application fee of 0.. 8% on the committed loan amount.. Loan Disbursement.. Loan shall be disbursed in a single amount after the conclusion of the loan contract.. The commercial bank is obliged to on-lend the funds to the final borrower on the same day or on the following day at the latest.. Commercial banks are obliged to utilise loan funds for the prescribed purpose in accordance with this Loan Programme and verify proper utilisation of loan funds with the finial borrower.. HBOR reserves the right to verify the proper utilisation of loan funds and charges the commercial bank to obtain and keep the documentation and to maintain the register of documents for the purpose of allowing fast and efficient verification of proper utilisation of loan funds.. Collateral.. Commercial Banks Co-operating with HBOR on the Loan Programme:.. Societe Generale - Splitska banka d.. Phone: +385 1 / 4591 538, +385 1 / 4597 814.. izvoz@hbor..

    Original link path: /liquidity01
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  • Title: www.hbor.hr
    Descriptive info: Financing of Manufacturing.. FINANCING OF MANUFACTURING.. Loan Programme for the Financing of Manufacturing.. companies, craft business.. co-operatives.. Purpose of the Loan.. Working capital:.. Working capital for pre-shipment finance,.. Bridging over of the period until the collection of payment for the goods sold,.. Entire cycle from the preparation of the manufacturing process until the collection of payment for the goods sold.. Loan Amount and Repayment.. Not limited and depends on the available HBOR funds, opinion of the commercial bank, the calculation of the volume of working capital needed, the achieved level of operating revenues and the possibility for utilisation of.. de minimis.. state aid.. Loans are approved in HRK.. Repayment.. The loan repayment period is up to 1 year from the loan availability date repaid in bullet repayments.. Interest rate for final borrowers.. Interest rate for the final borrower is 4% p.. Interest is calculated and charged quarterly.. The calculation of interest is made according to the proportional method.. If the final borrower is not in a position to utilise de minimis state aid, the loan can be approved with general interest rate based on the reference interest rate.. Promotional interest rates and State Aid Act and Decree.. Pursuant to the State Aid Act (Official Gazette of  ...   rate for every individual borrower is granted in accordance with de minimis state aid regulations in force and may be extended only to those final borrowers who have not used up the maximum permitted state aid amount in respect of the same justified expenses or the permitted amount of de minimis state aid.. Loan application fee for the final borrower.. a one-off loan application fee of.. 8%.. on the committed loan amount.. Commitment fee.. on undisbursed loan amount, starting from the date from which the commercial bank may start to utilise the loan.. pledge of property or fiduciary title to property with property insurance,.. bank guarantee and.. other collateral customary in banking.. The final borrower negotiates the collateral with the commercial bank.. Utilisation of loan proceeds for prescribed purpose.. Loan contract extension.. In.. one year.. , depending on the decision of HBOR’s body in charge, Annex to the existing loan contract will be signed.. In case the commercial bank applies for contract extension, it will be based on exporter’s request accompanied by an explanation and submitted at least 15 working days before the loan maturity date.. The commercial bank may charge the final borrower with a fee up to 0.. 8% of the revolved amount.. 11.. 12..

    Original link path: /financing-manufacturing
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  • Title: www.hbor.hr
    Descriptive info: Preparation of Agricultural Production.. FINANCING THE PREPARATION OF AGRICULTURAL PRODUCTION.. Working Capital for Investments in Agricultural Production.. Natural persons and legal entities (family farms within the VAT system, crafts businesses, companies, co-operatives) in the rank of micro, small or medium-sized enterprises.. Financing of the working capital needed for smooth agricultural production as follows:.. Working capital for current production activities (purchase of raw materials, base materials and other materials).. Working capital for the purchase of agricultural products.. Manner of Funding.. On-lending through commercial banks.. Minimum loan amount is HRK 50,000.. Maximum loan amount is not limited and depends on the availability of HBOR’s funds.. Loans are approved in HRK and are not indexed to foreign currency.. The refund of previously invested funds shall be approved by HBOR in the case  ...   on final borrowers’ requests and commercial banks’ assessments).. Interest Rate for Final Borrowers.. 3% p.. Interest is calculated and charged on the disbursed loan amount monthly or quarterly.. one-off, charged on the committed loan amount; minimum HRK 500.. 00 (five hundred).. Collateral.. Final borrower negotiates the collateral with the commercial bank within the framework of agreeing upon customary collateral (bills of exchange, debentures, pledge of property or transfer of fiduciary title to property, guarantees of banks and other collateral customary in the banking operations).. All costs arising out of the obtaining and registering of collateral as well as its release and return are borne by the borrower.. List of Commercial Banks Co-operating with HBOR on the Loan Programme¸.. Phone: +385 1 / 4597 818, +385 1 / 4591 670.. poljoprivreda@hbor..

    Original link path: /financing-the-preparation-of-agricultural-producti
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  • Title: www.hbor.hr
    Descriptive info: Preparation of the Tourist Season.. PREPARATION OF THE TOURIST SEASON.. Loan Programme in Preparation for the Tourist Season.. Final Borrowers.. companies, craftsmen.. institutions.. Purpose of Loans.. Procurement of goods and services with the objective of preparing the forthcoming tourist season and offering high-quality services to tourists.. These investments include the procurement of food, beverages and small inventory items as well as regular maintenance costs, salaries and general overhead costs.. Manner of Implementation.. • via commercial banks.. HRK 80,000.. 00 minimum loan amount; HRK 10,000,000.. 00 maximum loan amount, p..  ...   of the following year.. Loans can be disbursed earlier based on a decision made by HBOR's body in charge.. in 2 equal instalments due on 15.. October and 15.. November of the pertinent year.. variable, three-month EURIBOR + 3.. 75% p.. 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.. Commerical Bank Co-operating with HBOR.. Zagreb.. Phone: + 385 1 / 45 91 538, + 385 1 / 4597 814.. turizam@hbor..

    Original link path: /preparation-of-the-tourist-season
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