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

  • Title: www.hbor.hr
    Descriptive info: Print this page.. SMALL AND MEDIUM ENTREPRENEURSHIP.. Loan Programme for the Development of Private Small and Medium Businesses.. 1.. 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.. 2.. Purpose of Loans.. Fixed assets:.. initial funding.. land plots, buildings.. equipment and devices.. 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.. 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.. 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,.. Petrol stations,.. Casinos, gambling premises and similar activities,.. Manufacturing and distribution of tobacco products,.. 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.. Purchase of real estate and movable property from associated persons,.. Purchase, construction, reconstruction and furnishing of business premises for trading except in the areas of special state concern, the islands and hill or mountain areas,.. Road traffic transport (purchase of trucks, cranes, hoists, heavy load trailers etc.. ),.. Investments already started and investments under way.. The refund of already invested funds will not be financed.. Publishing of newspapers, journals and periodicals, production and broadcasting of radio  ...   rate reduction can be downloaded.. here.. 2% p.. a.. borrowers investing in a region of special 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.. 4% p.. 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.. 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 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.. other customary security in the banking operations.. In the case of loans extended via commercial banks, final borrowers negotiate collateral with their commercial banks.. 9.. List of Commercial Banks Co-operating on the Loan Programme.. 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.. Jadranska banka d.. , Šibenik.. Kreditna banka Zagreb d.. OTP banka Hrvatska d.. , Zadar.. Partner banka d.. Podravska banka d.. , Koprivnica.. Privredna banka Zagreb d.. Raiffeisenbank Austria d.. Sberbank d.. Slatinska banka d.. , Slatina.. Societe Generale – Splitska banka d.. Štedbanka d.. 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 / 4591 666.. E-mail:.. msp@hbor.. hr.. Last modified:.. 6/3/2014..

    Original link path: /small-and-medium-entrepreneurship?dm=2
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  • Title: www.hbor.hr
    Descriptive info: ENVIRONMENTAL PROTECTION.. Loan Programme for the Financing of Projects of Environmental Protection, Energy Efficiency and Renewable Energy Resources.. Final Borrowers.. Units of local and regional government.. Utility companies.. Companies, craftsmen, other legal entities.. Fixed assets.. initial funding.. land plots.. buildings.. equipment and devices.. Permanent working capital (up to 30% of the total loan amount).. 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  ...   Decision on Interest Rates and 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.. 25% p.. 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.. 7/29/2014..

    Original link path: /environmental-protection?dm=2
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  • Title: www.hbor.hr
    Descriptive info: 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.. direct lending.. 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 quality of the collateral  ...   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.. Commercial banks Co-operating with HBOR.. Phone: +385 1 / 4597 817, +385 1 / 4597 907..

    Original link path: /loan-programme-for-the-energy-renovation-of-buildi?dm=2
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  • Title: www.hbor.hr
    Descriptive info: 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 not included for units of local and regional government and utility companies  ...   in accordance with the available funding sources.. 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 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,.. other customary security in the banking operations.. Hypo-Alpe-Adria bank d..

    Original link path: /art769?dm=2
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  • Title: www.hbor.hr
    Descriptive info: 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.. up to 2 years.. 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.. 6/4/2014..

    Original link path: /permanent-working-capital01?dm=2
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  • Title: www.hbor.hr
    Descriptive info: 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 agreement.. Repayment..  ...   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.. Implementation period.. Phone: +385 1 / 4591 538, +385 1 / 4597 814.. izvoz@hbor.. 4/1/2014..

    Original link path: /liquidity?dm=2
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  • Title: www.hbor.hr
    Descriptive info: 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.. via commercial banks.. 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 the Republic of Croatia,  ...   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.. bills of exchange and debentures,.. 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.. Vaba d.. banka Varaždin.. 12.. 6/18/2014..

    Original link path: /art1668?dm=2
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  • Title: www.hbor.hr
    Descriptive info: 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.. 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.. 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.. 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  ...   of and equipment for biogas facilities.. II Permanent working capital (up to 15% of the loan amount).. Manner of Implementation.. On-lending via commercial banks which have accepted co-operation on the implementation of this Programme.. The maximum loan amount is not limited.. It depends on HBOR’s financing possibilities, the investment project, necessary investments, the creditworthiness of the borrower as well as the value and quality of collateral offered.. The loan amount is determined in accordance with the investment purpose.. Generally, HBOR finances up to 75% of the estimated investment value, VAT not included.. In the case of fitting into the state aid regulations in force, it is possible to finance up to 100% of the investment amount.. Up to 2 years.. Up to 12 years, grace period included.. Interest Rate for Borrowers.. 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.. Loan application fee.. on the committed and undisbursed loan amount, starting 30 days from the date of the loan contract.. 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.. banka Varaždin, Varaždin.. Phone: +385 1 / 4597 817, +385 1 / 4591 618..

    Original link path: /ipard?dm=2
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  • Title: www.hbor.hr
    Descriptive info: 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.. 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  ...   of collateral offered.. HBOR finances up to 100% of the estimated investment value, VAT included.. , 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.. 0%.. charged on the committed undisbursed loan amount, starting 30 days from the loan contract date.. 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.. 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: /art1519?dm=2
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  • Title: www.hbor.hr
    Descriptive info: 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  ...   of this Programme.. The maximum loan amount is not limited and depends on HBOR’s financing possibilities, the investment project, the necessary investment, the creditworthiness of the borrower as well as the value and quality of collateral offered.. The loan amount is determined depending on the loan purpose.. up to 12 years, grace period included.. up to 14 years, grace period included, for the financing of construction of or equipment for renewable electricity generation facilities.. Loans are granted in HRK or in HRK indexed to foreign currency.. Interest Rate.. 2%.. per annum.. 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.. 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: /ipard-development-of-rural-economic-activities?dm=2
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  • Title: www.hbor.hr
    Descriptive info: 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)  ...   not included, and in case of fitting into the valid state aid regulations, up to 100% of the investment amount may 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 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.. 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.. Raiffeisen Bank Austria d..

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