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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.. /.. IPARD – Measures 101 and 103.. IPARD.. Loan Programme for IPARD Measures 101 and 103 Candidate Projects and other candidate projects in the field of agriculture and fishery co-financed by the EU funds.. 1.. Borrowers.. Natural persons and legal entities (family agricultural holdings within the VAT system, crafts businesses, companies, co-operatives) that belong to the category of micro, small or medium-sized enterprises that are 100% privately owned or up to 25% state-owned, i.. e.. owned by local and/or regional government units or the City of Zagreb.. Enterprises with less than 750 employees or the annual turnover less than EUR 200 million with less than 25% of shares owned by the state or local and/or regional government units and the City of Zagreb.. Borrowers can be natural persons and legal entities that have entered into a Contract on the Allocation of Funds under the IPARD Programme with the Paying Agency for Agriculture, Fisheries and Rural Development.. 2.. Purpose of the Loans.. Eligible for financing are investments in the manufacturing and processing sectors in accordance with an investment nominated for an individual IPARD measure within the framework of the Ordinance on the Implementation of Measure 101 and the Ordinance on the Implementation of Measure 103 (hereinafter: the Ordinance).. In accordance with the Ordinance, the investments will be financed as follows:.. Measure 101 – Investments into agricultural products.. Milk sector (dairy cows, dairy sheep, dairy goats).. Beef sector (fattening of cattle, cow – calf system).. Pig meat sector (sows, fattening pigs).. Poultry sector (fattening of chicks, breeding of laying hens, breeding of chicken).. Egg sector (laying hens).. Fruits and vegetables sector (excluding mushroom growing).. Cereals and oil crops sector.. Measure 103 – Investments in the processing and marketing of agriculture and fishery products.. Milk and dairy sector.. Meet processing sector.. Fisheries sector.. Fruits and vegetables processing sector.. Wine production sector.. Olive sector.. Loans within the framework of the Loan Programme are intended for investments in:.. I Fixed assets:.. construction/reconstruction of construction facilities, greenhouses, polythene greenhouses, storing facilities for fruits and vegetables (mushrooms and medicinal herbs included), ULO refrigerators (ULO facilities included).. machines, equipment, tools and devices.. specialised transportation vehicles for milk  ...   approved in HRK.. 5.. Interest Rate for Borrowers.. Precondition for interest rate reduction can be downloaded.. here.. 2% p.. a.. natural persons and legal entities that belong to the category of micro, small or medium-sized enterprises investing in agriculture and/or processing of agricultural products.. legal entities that belong to the category of large companies investing in agriculture.. 4% p.. all other business entities.. Interest rate is variable on the basis of the Decision of HBOR’s Managing Board and pursuant to the criteria of the HBOR’s Decision on Interest Rates and the Interest Calculation Regulations.. 6.. Loan application fee.. 0.. 8%.. one-off, charged on the committed loan amount.. 7.. Commitment fee.. 25%.. p.. on the committed and undisbursed loan amount, starting 30 days from the date of the loan contract.. 8.. Collateral.. HBOR accepts:.. bills of exchange and debentures,.. pledge of property or fiduciary title on the property with an insurance policy endorsed in favour of HBOR,.. guarantee issued by HAMAG-BICRO within the framework of HAMAG-BICRO Guarantee Programmes,.. other collateral acceptable to HBOR.. In case of on-lending via commercial bank, the final borrower negotiates collateral with the commercial bank.. All costs arising out of the establishment and termination of collateral are borne by the borrower.. 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.. Istarska kreditna banka Umag d.. , Umag.. Kreditna banka Zagreb d.. OTP banka Hrvatska d.. , Zadar.. Podravska banka d.. , Koprivnica.. Privredna banka Zagreb d.. Raiffeisenbank Austria d.. Sberbank d.. Slatinska banka d.. , Slatina.. Societe Generale - Splitska banka d.. , Split.. Štedbanka d.. Vaba d.. banka Varaždin, 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.. More detailed information ralating to this programme can be obtained at:.. HBOR, Strossmayerov trg 9, 10000 Zagreb.. Phone: +385 1 / 4597 817, +385 1 / 4591 618.. E-mail:.. infrastruktura@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: /Sec1662
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  • Title: www.hbor.hr
    Descriptive info: IPARD - Development of Infrastructure (Measur.. IPARD – Development Of Rural Infrastructure.. Loan Programme for IPARD Measure 301 Candidate Projects.. Goal of the Loan Programme.. In accordance with the Ordinance on the Implementation of Measure 301 „Enhancement and Development of Rural Infrastructure“ under the IPARD Programme, the following investments will be financed:.. Investments in the sewerage and wastewater treatment systems sector.. Investments in the sector of local unclassified roads.. Investments in the sector of heating plants.. Investments in the sector of firebreaks with elements of forest roads.. Final Borrowers.. Units of local government.. (municipalities and cities up to 10,000 inhabitants) in accordance with Enclosure V.. to the Ordinance on the Implementation of Measure 301 „Enhancement and Development of Rural Infrastructure“ under the IPARD Programme.. Borrowers can be units of local government that have entered into a Contract on the Allocation of Funds under the IPARD Programme with the Paying Agency for Agriculture, Fisheries and Rural Development.. Purpose of Loans.. Fixed assets:.. initial funding,.. land plots,.. buildings,.. equipment and  ...   5 years.. up to 15 years, including grace period.. Interest.. , fixed.. Interest is calculated according to the proportional method.. Interest during the disbursement period, up to the beginning of the repayment period is calculated on the disbursed loan amount on the basis of the regular interest rate and charged quarterly.. Loan Application Fee.. 0%.. Commitment Fee.. 25% p.. charged on the committed undisbursed loan amount, starting 30 days from the loan contract date.. For securing due fulfilment of loan obligations, HBOR shall accept:.. bills of exchange and debentures of units of local government,.. other customary security in the banking obligations.. List of Commercial Banks Co-operating with HBOR on the Loan Programme.. BKS Bank d.. , Rijeka.. Banka Kovanica d.. , Varaždin.. , Zagreb.. , Umag.. , Zadar.. Partner banka d.. , Koprivnica.. , Slatina.. , Split.. banka Varaždin, Varaždin.. More detailed information relating to this loan programme can be obtained at:.. HBOR Strossmayerov trg 9,10000 Zagreb.. phone: +385 1 / 4597 817, +385 1 / 4591 618,.. e-mail:..

    Original link path: /sec1646
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  • Title: www.hbor.hr
    Descriptive info: IPARD – Rural Development (Measure 302).. IPARD - DEVELOPMENT OF RURAL ECONOMIC ACTIVITIES.. Loan Programme for IPARD Measure 302 Candidate Projects.. Natural persons and legal entities that belong to the category of micro-entities within the VAT system and that:.. employ fewer than 10 employees, and.. have assets of up to EUR 2.. 0 million or annual turnover of up to EUR 2.. 0 million, and.. are 100% privately owned or up to 25% state-owned, i.. Purpose of the Loans.. The goal of the Programme is to finance candidate projects for co-financing through Measure 302 of the IPARD Programme in the manner that the entire investment is financed including eligible and non-eligible expenses in accordance with the Ordinance on the Implementation of Measure 302 “Diversification and Development of Rural Economic Activities” under the IPARD Programme (hereinafter: the Ordinance).. Investments will be financed in accordance with the Ordinance as follows:.. Investments in rural tourism.. Investments in traditional crafts.. Investments in direct sale.. Investments in freshwater fishery.. Investments in services sector.. Investments in onsite processing at farms.. Investments in renewable energy resources.. Loans under the Loan Programme are intended for investments in:.. construction/reconstruction and equipment of buildings.. machines, equipment, tools and devices.. hardware and software.. boats, fishing boats.. nucleus school of fish.. cattle.. Construction and reconstruction of as well as equipment for renewable electricity  ...   or equipment for renewable electricity generation facilities.. Loans are granted in HRK or in HRK indexed to foreign currency.. Interest Rate.. 2%.. per annum.. As an exception, in the case of financing renewable energy resource projects where project implementing entities have the status of preferential electricity producers, the interest rate granted is at the level of the general interest rate based on the reference interest rate, however at least at the level of the interest rate prescribed in the loan programme.. In the case of financing renewable energy resource projects under the risk sharing model where project implementing entities have the status of preferential electricity producers, the interest rate granted can be at the level of the interest rate of the commercial bank.. The 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.. , on the committed loan amount.. on the undisbursed loan amount, starting 30 days from the date of the loan contract.. bills of exchange and debentures.. pledge of property or fiduciary title on the property with an insurance policy endorsed in favour of HBOR.. guarantee issued by the HAMAG-BICRO within the framework of HAMAG-BICRO Guarantee programmes.. Phone: +385 1 / 4597 838, +385 1 / 4597 818.. poljoprivreda@hbor..

    Original link path: /sec1653
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  • Title: www.hbor.hr
    Descriptive info: IPA and Structural Instruments Financing.. FINANCING OF IPA STRUCTURAL INSTRUMENTS.. Loan Programme for the Financing of Candidate Projects for IPA and Structural Instruments.. Units of local and regional government and companies majority-owned by units of local and regional government of the Republic of Croatia and.. All other borrowers which meet the criteria of IPA programme.. Loans are intended for the financing of costs of project implementation, which include:.. A part of the Project that will be nominated for IPA programme – eligible expenses in accordance with the terms and conditions from the Invitation for submission of project proposals,.. Expenses which are a part of the Project, and which are not possible to be nominated for the IPA programme in accordance with the terms and conditions from the Invitation for submission of project proposals.. HBOR has the possibility to consider the utilisation of a loan portion for the coverage of project preparation costs (reimbursement for the preparation of documentation, costs of licenses etc.. ) provided that the project-implementing entity provides evidence that the costs are necessary for the project implementation.. On-lending via commercial banks.. Direct lending only for borrowers under item 1.. a) of this Programme.. Loan Amount, Disbursement and Repayment.. The minimum loan amount is HRK  ...   be financed.. If the final borrower is a unit of local and regional government, HBOR may finance up to 100% of the estimated investment amount, VAT included.. Up to 18 months.. Up to 3 years.. Up to 15 years, including grace period.. 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.. Interest rates offered by HBOR directly or via commercial banks pursuant to the Act on Public Procurement in public bidding procedures for the procurement of cash credits can be fixed and not variable.. one-off on the committed loan amount.. on undisbursed loan amount, starting 30 days from the date of the loan contract.. Security.. bills of exchange and debentures.. pledge of property or transfer of fiduciary ownership of property supported by a property insurance policy endorsed in favour of HBOR,.. bank guarantees,.. guarantees issued by HAMAG-BICRO within the framework of HAMAG-BICRO guarantee programmes,.. guarantee issued by units of local or regional government,.. guarantee of the Republic of Croatia,.. other collateral acceptable for HBOR.. Where loans are on-lent via commercial banks, final borrowers negotiate collateral with commercial banks.. Banco Popolare Croatia d.. Raiffeisen Bank Austria d..

    Original link path: /ipa-and-structural-financing
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  • Title: www.hbor.hr
    Descriptive info: Contribution to the loan for energy efficiency.. CONTRIBUTION TO THE LOAN FOR ENERGY EFFICIENCY PROJECTS.. (European Commission Programmes - EEFF 2006 and EEFF 2007).. The utilisation of the European Commission Contribution funds under the Energy Efficiency Finance Facility 2006 (the total Contribution amount of EUR 1,800,000.. 00) and 2007 (the total Contribution amount of EUR 2,100,000.. 00) has been developed and implemented in co-operation with the European Investment Bank (EIB).. The Contribution funds can be utilised with the disbursement of loan funds out of EIB’s sources, directly through HBOR or via commercial banks with which HBOR has established business co-operation.. Companies, crafts businesses and other legal entities.. Units of local or regional government and companies owned by them.. Legal entities owned by the central government.. Loans are intended for the financing of fixed assets within the framework of investments contributing to energy savings and/or reduction in CO2 emissions, or investments improving the energy efficiency of the facilities in the building sector and industry.. Within the framework of the European Commission programme EEFF 2007, beside the financing of energy efficiency, it is possible to finance fixed assets for investments in renewable energy resources projects.. Eligible Investments.. Eligible investments are those investments which will, upon the investment completion, contribute to the improvement of energy efficiency of the existing facilities in the following manner:.. Building sector - projects that achieve at least 30% of energy saving (change of façades, windows and doors, improvement of illumination systems, heating and cooling, boiler rooms, installation of solar systems for heating of water etc.. ).. Industry sector - projects that achieve at least 20% of energy saving and/or reduction in CO2 emission (automatisation and optimisation of production systems, change of machinery and equipment, improvement of illumination, heating, cooling, ventilation systems etc.. Eligible investments are also individual  ...   resources projects.. up to 5,000,000.. 00 EUR.. * Note: for public sector projects, the total amount of loan allocated out of the EIB loan funds may not exceed 50% of the estimated value of the project, VAT not included.. Other Loan Terms and Conditions.. Please, note that all loan terms and conditions not given in this leaflet (interest rates, fees, maturity etc.. ), are determined by an individual HBOR loan programme under which an individual loan is approved, as well as by the EIB terms and conditions (.. http://www.. hbor.. hr/Art1287.. ).. Within the framework of available funds provided by EIB and the European Commission Contribution HBOR may consider investments relating to energy efficiency and renewable energy resources projects only, but also the investments in which energy efficiency is only a part of the entire investment.. For the part of investment which may be financed out of HBOR loan funds that does not relate to energy efficiency or renewable energy resources, a right to the Contribution cannot be exercised.. Utilisation of the Contribution Funds under the European Commission Programme.. The Contribution intended for final borrowers is.. 15% of the approved loan amount.. out of the EIB funds and is used for reducing the principal amount.. The Contribution funds are available after the fulfilment of energy saving and/or reduction of CO2 emissions from item 3.. above, or a successfully completed investment and obtaining of necessary licences, in case of investments in renewable energy resources, respectively.. Beside the mentioned possibility of the loan principal reduction, within the framework of the Contribution,.. consultants’ assistance.. is provided.. Their task would be to evaluate and confirm the achieved levels of energy saving and/or reductions of CO2, emissions, or confirm the successfulness of investment in renewable energy resources, respectively.. Procedure of Loan and Contribution Funds Approval..

    Original link path: /contribution-to-the-loan-for-energy-efficiency
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  • Title: www.hbor.hr
    Descriptive info: Short-Term Insurance and Reinsurance.. SHORT-TERM INSURANCE AND REINSURANCE OF FOREIGN RECEIVABLES.. HBOR provides insurance of short-term receivables against non-market risks (buyers coming from non-EU member states or non-OECD countries).. For the insurance of marketable risks, HBOR has, together with OeKB, established the Croatian Credit Insurance J.. , a company specialised in insuring receivables among business operators that arise from the sale of goods and services.. For more information, please click here….. If you are an exporter of consumer goods and if you have, with your foreign partner, agreed the payment terms of up to 180 days, your payment collection insurance policy can protect you from commercial and political risks.. By managing risks in this way, you contribute to the safety of your business in the foreign market.. Insurance can be provided  ...   may sometimes cause delays in the settlement of obligations towards the exporter, or even bankruptcy, which can seriously jeopardise the collection of payment.. Benefits of an export credit insurance policy for the exporter:.. Protection of operations.. Possibility of selling on deferred payment terms.. Strengthened competitiveness and consequently increased sales.. Easier access to new markets (reduced risk).. Transfer of a portion of default risk to the insurer.. Easier access to the sources of finance.. Since the buyer's inability to settle its obligations is difficult to predict in advance, HBOR’s insurance policy providing cover for the collection of export receivables is one of the very effective ways of preventing or reducing the occurrence of a loss.. Contacts in Export Credit Insurance.. Export Credit Insurance Questionnaire.. Application for the Approval of the Insured Amount..

    Original link path: /Sec1490
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  • Title: www.hbor.hr
    Descriptive info: Medium and Long-Term Insurance.. MEDIUM – AND LONG – TERM EXPORT CREDIT INSURANCE.. The products of medium – and long – term export credit insurance are intended for promoting export of goods and services of high values, i.. capital goods with repayment terms over one year.. Supplier Credit Insurance.. Buyer/Buyer’s Bank Credit Insurance..

    Original link path: /Sec1491
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  • Title: www.hbor.hr
    Descriptive info: Supplier Credit.. SUPPLIER CREDIT INSURANCE.. The insurance of supplier credit enables the exporter to insure the payment for delivered goods and services against political and commercial risks arising form the concluded commercial contract.. An additional benefit of the insurance policy is assignment of rights to the commercial bank that finances an export transaction for the purpose of securing the loan, i.. contracting more favourable terms and conditions of financing.. The usual cover ranges between 80% and 90% of the transaction value, depending  ...   pays the premium.. The exporter delivers the goods or renders services to the buyer.. The exporter’s bank extends a loan and uses insurance policy as collateral (endorsement of the insurance policy in favour of the commercial bank).. The foreign buyer pays for the goods, and obligations under the loan contract are settled.. In the event that the foreign buyer fails to pay for the goods, HBOR indemnifies the exporter.. General Terms and Conditions on Insurance of Direct Deliveries of Goods and Services OU-KD-03-13..

    Original link path: /Sec1492
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  • Title: www.hbor.hr
    Descriptive info: Buyer Credit or Buyer's Bank Credit.. BUYER/BUYER’S BANK CREDIT INSURANCE.. The Insurance of Buyer/Buyer’s Bank Credit enables the commercial bank to insure the collection of receivables against commercial and political risks arising from the loan contract concluded with the foreign buyer/foreign bank.. Loan is extended for the purpose of financing of export of goods and services in the manner that disbursement out of the loan funds is made directly to the exporter’s  ...   ranges between 80% and 95% of the loan amount, depending primarly on the buyer’s country exposure.. Conclusion of the insurance contract and payment of premium.. Advance payment based on the export contract.. Delivery of goods or rendering of services.. Disbursement of loan proceeds.. Loan repayment.. Payment of indemnity if the buyer/buyer’s bank fails to meet its obligations.. Application for buyer credit insurance.. General Terms and Conditions on Insurance of Buyer Credit OU-KK-02-13..

    Original link path: /Sec1493
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  • Title: www.hbor.hr
    Descriptive info: Insurance of Bank Guarantees Issued in Relati.. INSURANCE OF BANK GUARANTEES ISSUED FOR THE PURPOSE OF WINNING OR PERFORMING EXPORT CONTRACTS.. Exporters are often confronted with the need for first-class bank guarantees issued in favour of their foreign buyers as a condition for entering into export contracts or insuring performance of their contractual obligations.. Consequently, they are exposed to the risk of a guarantee being called irrespective of the performance of their contractual obligations.. In addition, they are exposed to various political risks that may prevent them from performing a contract and lead to the collection of payments under a guarantee.. The Programme for the Insurance of Bank Guarantees Issued for the Purpose of Winning or Performing Export Contracts enables banks to insure the risk  ...   a fair calling due to exporter’s non-fulfilment of export contract or tender obligations being the exclusive responsibility of the exporter.. Insurance scheme.. Exporter enters into export contract with buyer.. Bank issues guarantee in favour of buyer on instructions made by exporter.. Bank and exporter enter into insurance contract with HBOR.. Buyer collects payment under guarantee.. HBOR pays indemnity to bank after 60 days of the waiting period.. HBOR is entitled to recourse against exporter in case of risk of fair calling.. HBOR is entitled to recourse against buyer or third parties in case of risk of unfair calling.. Programme for the insurance of bank guarantees issued for the purpose of winning or performing export contract.. General terms and Conditions of Insurance of Bank Guarantees OU-OG-01-1..

    Original link path: /insurance-of-bank-guarantees-issued-in-relation-to
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  • Title: www.hbor.hr
    Descriptive info: Pre-Export Financing Insurance.. PRE-EXPORT FINANCING INSURANCE.. The target group of this programme consists of exporters lacking working capital for the preparation of exports if they cannot offer usual collateral to lenders or if the collateral they offer is not sufficient with regard to loan terms and conditions.. Within the framework of pre-export finance insurance, a bank may request insurance of principal and regular interest of up to 80%.. This product is intended  ...   exporter enter into an insurance contract.. The bank grants a pre-export finance facility to the exporter.. The exporter exports the manufactured goods to the foreign buyer.. The foreign buyer pays to the exporter, the exporter uses these inflows to repay the loan.. If the exporter fails to repay the loan owing to the default on the part of the buyer or due to its insolvency, HBOR shall pay indemnity to the bank..

    Original link path: /Sec1586
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    Archived pages: 1113