Special financing programs

HAMAG BICRO guarantee

Special financing programs

HAMAG BICRO guarantee

Find out more

Nacionalno jamstvo PLUS

 

Program Nacionalno jamstvo PLUS odnosi se na osiguranja glavnice kredita nešto manjeg iznosa. Namijenjeno je mikro, malim i srednjim poduzetnicima koji ulažu u nove investicije ili im je potrebna dodatna likvidnost za poslovanje.

Kome je jamstvo namijenjeno? 
• Trgovačkim društvima
• Obrtima
• Zadrugama
• Fizičkim osobama koje obavljaju djelatnosti slobodnih zanimanja 
• Ustanovama koje obavljaju djelatnosti u cilju stjecanja dobiti

 

Uvjeti za ostvarivanje jamstva:
• maksimalno  249 zaposlenih,
• prihod manji od  50 milijuna eura ili aktiva manja od 43 milijuna eura,
• više od  50% u privatnom vlasništvu,
• bez blokade dulje od 30 dana u posljednjih 6 mjeseci,
• bez nepodmirenih obveza prema državi.

Dodatno, mikro poslovni subjekti moraju biti u vlasništvu pravnih ili fizičkih osoba rezidenata te smiju biti blokirani maksimalno do 5 dana u posljednjih 6 mjeseci.

 

Uvjeti jamstva

MJERA A - Investicijski krediti B - Obrtna sredstva
Iznos jamstva 150.000 EUR 1.000.000 EUR
Max stopa jamstva do 50% do 50%
Obuhvat jamstva glavnica kredita glavnica kredita
Trajanje jamstva
max rok kredita određuje se sukladno kreditnoj politici banke
1 godina 1 godina
Udio obrtnih sredstava u kreditu najviše do 30 % od iznosa kredita 100% kredita
Premija rizika 0.25 – 0.50% od iznosa jamstva 0.5 -1  % od iznosa jamstva
 

 

General Terms and Conditions - terms applicable to all types of placements from the Programme

 
  • End users
    • Micro, Small and Medium-Sized business entities ( < 250 employees consolidated; income < EUR 50mn or assets < EUR 43mn EUR) that:
      ♦ are > 50% in private ownership
      ♦ have not been blocked for over 30 days in the last 6 months
      ♦ have no unsettled obligations towards the state
      NOTE: the condition for micro customers is that they are to be owned by resident legal entities or private individuals, and may be blocked for up to max. 5 days in the last 6 months.

       

  • Investments not eligible for the Guarantee
    • ♦ financing of VAT
      ♦ refinancing of existing liabilities
      ♦ bridge loans, frame loans in business accounts, revolving loans, and frame facilities for guarantees, loans, etc.
      ♦ investments for personal purposes
      ♦ construction or purchase of housing or business premises for sale or lease, save for the purpose of conducting tourist activity that the respective applicant performs
      ♦ purchase of real estate and moveable property from connected persons
      ♦ vehicles for road cargo transportation
      ♦ purchase of business premises in the construction phase
      ♦ ownership shares in other business entities

Contact us

Ask for additional information

Visit us at any of our business centres

Call us

RBA INFO line for business entities