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

  • Title: www.hbor.hr
    Descriptive info: Print this page.. TOURISM.. Loan Programme in Support of the Tourism Industry.. 1.. Final Borrowers.. companies, craftsmen.. institutions.. 2.. Purpose of Loans.. I.. Fixed assets:.. initial funding.. land plots, buildings.. equipment and devices.. ships and other vessels.. II.. Permanent current assets (up to 30% of the total loan amount).. Not eligible for financing:.. 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 whose sole activity is serving beverages,.. Investment into facilities for the purpose of their utilisation as weekend homes or apartments for personal use or the utilisation of facilities for dwelling purposes or leasing of the facility to another entrepreneur for providing accommodation to tourists,.. Purchase, construction and equipping of rooms for renting, apartments as type of accommodation and summer houses/villas (except in entrepreneurial investments: a) in case of traditional facilities b) facilities in the areas of special state concern and hill or mountain areas; c) the islands of the first group),.. Investments into real estates that are not owned by the borrower, except in case when the facility is located on the land plot that is used on the basis of a concession contract, or the contract on the right of construction, lease or rent, where the concession, lease or rent period may not be shorter than the loan repayment period,.. Repayment or refinancing of existing loans, regardless of their purpose and maturity,.. Casinos, gambling premises and similar activities,.. 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.. Purchase of real estate and immovable 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,.. Investments already started and investments under  ...   rate reduction can be downloaded.. here.. 2% p.. a.. entities investing in a region of special state concern or a hill or mountain area or the islands.. and.. entities having proven their competitiveness by successful sales figures in domestic and/or foreign markets.. 4% p.. or.. borrowers that are small and medium entrepreneurs.. 6% p.. all other business entities.. Interest rate is variable based on 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.. , charged on the committed undisbursed loan amount, starting 30 days after the loan contract date.. 8.. Security.. HBOR accepts:.. 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.. other collateral customary in the banking operations.. Where loans are on-lent via commercial banks, final borrowers negotiate collateral with commercial banks.. 9.. Commercial banks Co-operating with HBOR.. Banco Popolare Croatia d.. , Zagreb.. Banka Kovanica d.. , Varaždin.. Banka Splitsko-dalmatinska banka d.. , Split.. Croatia banka d.. Erste Steiermärkische bank d.. , Rijeka.. Hrvatska poštanska banka d.. Hypo Alpe-Adria-Bank d.. Zagreb.. Imex banka d.. Istarska kreditna banka Umag d.. , Umag.. Jadranska banka d.. , Šibenik.. Kentbank d.. Kreditna banka Zagreb d.. OTP banka Hrvatska d.. , Zadar.. Partner banka d.. Podravska banka d.. , Koprivnica.. Privredna banka Zagreb d.. Raiffeisenbank Austria d.. Sberbank d.. Slatinska banka d.. , Slatina.. Societe Generale - Splitska banka d.. Štedbanka d.. Veneto banka d.. Zagrebačka banka d.. More detailed information ralating to this programme can be obtained at:.. HBOR, Strossmayerov trg 9, 10000 Zagreb.. Phone: +385 1 / 45 91 611, +385 1 / 4591 738, +385 1 / 4591 524.. E-mail:.. turizam@hbor.. hr.. Last modified:.. 7/29/2014..

    Original link path: /tourism?dm=2
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  • Title: www.hbor.hr
    Descriptive info: PREPARATION OF THE TOURIST SEASON.. Loan Programme in Preparation for the Tourist Season.. 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.. • via commercial banks.. HRK 80,000.. 00 minimum loan amount; HRK 10,000,000.. 00 maximum loan amount, p.. loans are contracted in HRK and are indexed to foreign currency.. from  ...   decision made by HBOR's body in charge.. Repayment.. in 2 equal instalments due on 15.. October and 15.. November of the pertinent year.. variable, three-month EURIBOR + 3.. 75% p.. one-off, charged on the committed loan amount.. pledge of property or transfer of fiduciary ownership of property supported by a property insurance policy endorsed in favour of HBOR.. bank guarantees.. Final borrowers negotiate collateral with commercial banks.. Commerical Bank Co-operating with HBOR.. , Varaždin.. Phone: + 385 1 / 45 91 538, + 385 1 / 4597 814.. 4/1/2014..

    Original link path: /art786?dm=2
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  • Title: www.hbor.hr
    Descriptive info: TOURISM - IBRD.. Loan Programme for Financing of Exporters in the Tourism Industry out of IBRD Loan Proceeds.. The complete text of the programme can be downloaded.. Sub-Borrowers.. companies and crafts businesses with exporter status in predominant private ownership.. Sub-borrowers must meet the maximum debt to equity ratio of 85:15 (after receipt and for the first three years for each sub-loan € 1,000,000; after receipt and for the first year for each sub-loan ≤ € 1,000,000).. After receipt of the sub loan, the sub-borrowers should generate enough cash during the pay-back period of the sub-loan to maintain a minimum debt service coverage ratio of at least 1.. 1:1 (after receipt and for the first three years for each sub-loan € 1,000,000, after receipt and for the first year for each sub-loan ≤ € 1,000,000).. Purpose of the Loans.. Fixed Assets:.. initial funding,.. construction works and facilities,.. Permanent Working Capital (shall not exceed 15% of the total loan amount).. Note: List of investments.. not eligible.. for financing under this Programme can be found in the full text of the programme.. Manner of Implementation of the Loan Programme.. Documented loan applications are submitted to commercial banks.. Loan Amount, Disbursement and Repayment.. Loan Amount..  ...   is 12 months, or in line with the disbursement dynamics.. Grace Period.. Up to 5 years.. Repayment Period.. Up to 25 years, including grace period.. Interest Rate for Sub-borrowers.. Interest during disbursement period of the Subsidiary Loan until the beginning of the repayment period is calculated on the disbursed loan amount on the basis of the regular interest rate, and charged quarterly.. Interest rate for the sub-borrower is, in line with IBRD’s guidelines, determined by the commercial bank depending on the risk assessment of the sub-borrower and the quality of collateral.. The commercial bank is obliged to inform HBOR about it, on submitting the loan application.. The floor on the interest rate for the sub-borrower is the interest rate paid by the commercial bank to HBOR, which is a six-month EURIBOR plus a margin of 195 basis points.. Loan Management Fee and Commitment Fee.. The amount of the management and commitment fee for the sub-borrower is determined by the commercial bank and the commercial bank is obliged to inform HBOR about it on submitting the loan application.. The sub-borrower negotiates the security with its commercial bank.. Commercial Banks Co-operating with HBOR on the Loan Programme.. , Rijeka.. , Zagreb.. , Split..

    Original link path: /tourism-ibrd?dm=2
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  • Title: www.hbor.hr
    Descriptive info: AGRICULTURE AND BALANCED DEVELOPMENT.. Loan Programme for the Financing of Agriculture and Small Businesses in Areas of Special State Concern.. Final Borrowers.. companies, craftsmen.. co-operatives, institutions.. family farms and fishermen.. initial funding.. land plots, buildings.. equipment and devices.. nuclear breeding unit, perennial plants,.. vegetable and flower growing.. The Operational Programme for the Development of Vegetable Farming is implemented within the framework of this Loan Programme.. Parts of investments for personal use.. Catering facilities whose sole activity is serving beverages.. Casinos, gambling premises and similar activities.. Construction of housing and business premises for the purpose of sale.. Purchase of real estate and immovable property from associated persons.. Road traffic transport (purchase of trucks, cranes, hoists, heavy load trailers etc.. ).. The refund of already invested funds will not be financed.. Publishing of newspapers, journals and periodicals, broadcasting of radio and television programmes, news agency activities, advertising and public relations agencies activities,.. Experiments on animals.. Activities resulting in adverse impacts on the environment.. Purchase of interests in other companies, shares or other securities.. Purchase of cars, except delivery vehicles.. Notarial activity.. Manner of Implementation.. the minimum loan amount HRK 80,000.. 00,  ...   for permanent current assets may amount up to 30% of the loan amount.. up to 3 years.. grace period: up to 5 years for planting and/or restructuring of perennial crops.. up to 14 years, grace period included.. Interest for Final Borrowers.. borrowers investing in a region of special state concern or agriculture or fishery or a hill or mountain area.. and.. borrowers having proven their competitiveness by successful sales figures in domestic and/or foreign markets.. All other business entities investing in a region of special state concern or agriculture or fishery or a hill or mountain area.. 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.. , charged on the committed undisbursed loan amount, starting 30 days after the loan contract date.. 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 and.. other customary security in the banking operations.. Phone: +385 1 / 4597 838, +385 1 / 4597 815.. poljoprivreda@hbor.. 6/4/2014..

    Original link path: /agriculture-and-balanced-development?dm=2
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  • Title: www.hbor.hr
    Descriptive info: 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.. Loan Amount, Disbursement Period and Repayment.. Minimum loan amount is HRK 50,000.. 00.. 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 of payments made for the purpose of preparing agricultural production generally up to 3 (three) months before submitting the loan application to the commercial bank.. Up to 3 months.. Up to 12 months.. Manner of repayment.. In equal  ...   charged on the disbursed loan amount monthly or quarterly.. The calculation of interest is made according to the proportional method.. 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¸.. 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.. Phone: +385 1 / 4597 818, +385 1 / 4591 670.. 6/18/2014..

    Original link path: /art1567?dm=2
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  • Title: www.hbor.hr
    Descriptive info: ECONOMY.. Loan Programme for the Development of the Economy.. nucleus breeding unit, planting perennial crops.. Permanent current assets (up to 15% of the total loan amount).. Purchase, construction, reconstruction and furnishing of business premises for trading, except in the regions of special state concern, the islands and hill or mountain areas,.. Publishing of newspapers, journals and periodicals, broadcasting of radio and television programmes, news agency activities, advertising and public relations agencies activities under all loan programmes,.. the minimum loan amount HRK 700,000.. 00, the maximum amount is not limited.. loans are granted in HRK and are indexed to foreign currency.. HBOR finances up to 75% of the estimated investment value, VAT not included.. up to 5 years for planting and/or restructuring of perennial crops.. up to 12 years, including  ...   or a hill or mountain area or the islands or agriculture or fishery.. borrowers that are small and medium entrepreneurs.. all other business entities.. 8%.. pledge of property or transfer of fiduciary title to property supported by property insurance policy endorsed in favour of HBOR.. other customary security in the banking operations.. Commercial Banks Co-operating on the Loan Programme.. BKS Bank d.. Erste Steiermärkische Bank d.. Volksbank d.. 10.. Implementation Deadline.. Where primary agricultural production or fishing sector borrowers are financed under this Loan Programme, their applications for new loans or for the rescheduling of existing ones can be approved by 30 June 2016 at the latest.. This deadline does not apply to the borrowers coming from all other sectors of industry.. Phone: +385 1 / 4597 841.. gospodarstvo@hbor.. 7/14/2014..

    Original link path: /economy?dm=2
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  • Title: www.hbor.hr
    Descriptive info: NEW PRODUCTION.. companies, crafts businesses, co-operatives with the headquarters in the Republic of Croatia:.. (i) investing in new or developing existing products that already have necessary certificates for the sale in the market or whose certificates will be procured out of the loan funds and.. (ii) using certified production materials and raw materials meeting the quality and security standards.. Fixed assets:.. land, construction facilities,.. equipment and devices,.. costs of certificate procurement.. Permanent working capital (up to 30% of the total loan amount or more if the borrower provides the evidence on merchandise credit to the buyer).. Entrepreneurs in financial difficulties in accordance with the provisions of regulations governing state aid..  ...   television programmes, news agency activities, advertising and public relations agencies activities under all loan programmes,.. directly.. The maximum loan amount is not limited.. Loans are granted in HRK or are indexed to foreign currency.. Up to 3 years.. Up to 14 years, including grace period.. Interest rate is variable pursuant to the decision of the Managing Board of HBOR and according to the criteria set out in HBOR’s Decision on Interest Rates and the Interest Calculation Regulations.. 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 and.. 6/3/2014..

    Original link path: /new-production?dm=2
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  • Title: www.hbor.hr
    Descriptive info: SHIPPING.. (Loan Programme for the Financing of Shipping Industry).. Companies registered in the Republic of Croatia.. Legal entities registered in third countries.. (particularly in the so-called “flag of convenience” countries).. The purpose of loans are investments in:.. Modernisation and reconstruction of vessels.. Purchase of new vessels.. Through commercial banks.. Through the risk sharing model in co-operation between commercial banks and HBOR:.. commercial bank finances at least 50% of the total loan amount (commercial bank’s loan) and HBOR finances up to 50% of the total loan amount (HBOR’s direct loan).. Loan Amount and Disbursement Period.. Maximum loan amount is not limited and it depends on HBOR’s financing capabilities, the investment project, the creditworthiness of the (final) borrower, the value and quality of security offered.. Loans are generally approved in HRK and are indexed to foreign currency, in EUR or another currency in accordance with HBOR’s possibilities.. HBOR generally finances up to 75% of the estimated investment value, VAT  ...   costs, at least the general interest rated based on the interest reference rate.. • Under the risk sharing model, the interest rate can be defined as the commercial banks’ interest rate.. • In the case of lending in accordance with the OECD consensus rules, the interest rate cannot, on the loan contract signing date, be lower than the international minimum interest rates: Commercial Interest Reference Rate (CIRR) for the export contract currency.. 8% one-off.. , charged on the committed loan amount, at least HRK 500.. 00 (five hundred).. 25% p.. , charged on the undisbursed loan amount.. 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 and.. Other security customary in the banking business.. Final borrowers negotiate collateral with their commercial banks.. Commercial Banks Co-operating with HBOR on the Loan Programme:.. , Umag.. , Zadar..

    Original link path: /shipping01?dm=2
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  • Title: www.hbor.hr
    Descriptive info: FEMALE ENTREPRENEURSHIP.. Loan Programme for the Financing of Female Entrepreneurship.. Companies, crafts businesses, natural persons running their business as sole traders, cooperatives and institutions:.. which are registered and operate in the Republic of Croatia.. in which 1 woman or more own at least 51% share in the capital of the company or of which women are registered owners.. the management of which is chaired by a woman.. The purpose of loans are investments in:.. Tangible assets.. land plots, buildings,.. nucleus breeding unit and planting perennial crops.. Intangible assets.. development of products or services, patents, licenses, concessions, copyrights, franchises.. Permanent working capital (up to 30% of total loan amount).. The amount of investment in intangible assets depends on expert assessment of the client and / or project as well as on 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.. Parts of investments for personal use,.. Catering facilities serving beverages as their sole activity,.. Petrol  ...   HRK 700,000.. loans are granted in HRK.. HBOR generally finances up to 100% of the estimated investment value, VAT not included.. up to 2 years.. up to 5 years for planting and/or restructuring of perennial crops.. 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.. 8% one-off, charged on the committed loan amount.. bills of exchange and debentures,.. pledge of property or transfer or fiduciary title to property supported by property insurance policy endorsed in favour of HBOR,.. bank guarantees,.. guarantee issued by HAMAG-BICRO,.. for loans up to HRK 100,000.. 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 salary,.. 00 two creditworthy guarantors and.. In case loans are extended via commercial banks, final borrowers negotiate collateral with their commercial banks.. List of Commercial Banks Co-operating on the Loan Programme.. , Šibenik.. , Koprivnica.. , Slatina.. Societe Generale – Splitska banka d.. Implementation Period.. This Loan Programme will be implemented until 31 December 2014.. More detailed information relating to this loan programme can be obtained at:.. Phone: +385 1 / 45 91 666,.. msp@hbor.. 7/3/2014..

    Original link path: /art1580?dm=2
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  • Title: www.hbor.hr
    Descriptive info: Ispiši ovu stranicu.. YOUTH ENTREPRENEURSHIP.. Loan Programme for the Financing of Youth Entrepreneurship.. 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.. the Managing Board of which is chaired by a person not older than 30 years.. 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.. Purchase of cars except delivery vehicles,.. via commercial banks that co-operate on the implementation of this Loan Programme.. In case of lending via commercial banks, loan applications are submitted to commercial banks.. 00, and the maximum loan amount is  ...   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.. , charged on the committed loan amount, and at least HRK 500.. , charged on the committed undisbursed loan amount, starting 30 days from the loan contract date.. pledge of property or transfer of fiduciary title to property supported by property insurance policy in favour of HBOR.. guarantees issued by HAMAG-BICRO,.. 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.. In case loans are on-lent via commercial banks, collateral will be negotiated between the final borrower and the commercial bank.. Phone: +385 1 / 4591 666.. Posljednja izmjena:.. 6..

    Original link path: /youth-entrepreneurship?dm=2
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  • Title: www.hbor.hr
    Descriptive info: 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.. nucleus breeding unit and planting perennial crops.. 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  ...   Zagreb, or directly to HBOR.. Loan amount.. the minimum amount HRK 80,000.. 00, and the maximum amount HRK 1,800,000.. Generally, HBOR finances up to 85% of the estimated investment value, VAT not included.. In the case of loans of up to HRK 700,000.. 00, HBOR may finance up to 100% of the estimated investment value, VAT not included.. up to 14 years, including grace period.. 4%.. , charged on the committed undisbursed loan amount, starting 30 days from the loan contract date.. pledge of property or transfer of fiduciary title to property supported by property insurance policy in favour of HBOR.. 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.. In the case of loans on-lent via commercial banks, collateral will be negotiated between the borrower and the commercial bank.. Samoborska banka d.. , Samobor.. Vaba d.. banka Varaždin..

    Original link path: /start-ups?dm=2
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    Archived pages: 1113