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HIT LOANS FOR SMEs AND ENTREPRENEURS
HIT Loans of Čačanska banka are intended for satisfying customers' needs for working capital, purchase of equipiment, vehicles, as well as the construction and purchase of business premises. This offer includes 5 types of products with different interest rates (fixed, variable), maximum maturity, grace period and purpose.
Funds for these loans have been provided by the European Fund for Southeast Europe (EFSE).
| Criteria | A loan request may be submitted by a legal entity / entrepreneur on the condition that they have been engaged in an activity for at least 6 months for loan requests up to EUR 20.000,00, or 12 months for loan requests above EUR 20.000,00. In exceptional cases, a loan request may be submitted by a start-up legal entity / entrepreneur whose business and credit history may be established in an adequate maner. |
| Purpose | Investment projects (purchase of equipment, construction or purchase of buildings), financing of working capital, financing of modernization and/or enlarging of current business capacity |
HIT 20
| Amount | Up to EUR 20,000R |
| Maturity | Up to 5 years |
| Payment | In equal monthly annuities |
| Nominal interest rate | 1.00% -1.20% montly |
| Fee | 1.50% in a lump sum |
| Effective interest rate | From 13.45% p.a. |
| Collateral |
Depends on client credit rating and maturity of the loan: promissory note, authorization, pledge, mortgage |
HIT 50
| Amount | From EUR 20,001 - 50,000 |
| Maturity | Up to 5 years |
| Grace period | Up to 12 months |
| Payment | In equal monthly iinstalments |
| Nominal interest rate | 6m EURIBOR + (8.00% - 9.00%) p.a. |
| Fee | 1.00% in a lump sum |
| Effective interest rate | From 10.28% p.a. |
| Collateral |
Depends on client credit rating and maturity of the loan: promissory note, authorization, pledge, mortgage |
HIT 100
| Amount | From EUR 50,001 - 100,000 |
| Maturity | Up to 5 years |
| Grace period | Up to 12 months |
| Payment | In equal monthly instalments |
| Nominal interest rate | 6m EURIBOR + (7.50% - 8.00%) p.a. |
| Fee | 1.00% in a lump sum |
| Effective interest rate | From 9.59% p.a. |
| Collateral |
Depends on client credit rating and maturity of the loan: promissory note, authorization, pledge, mortgage |
Date of EIR: 07.02.2011.
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(032) 302-193, 302-162, 302-285, 302-287, 302-288, 302-289 i 302-290 |
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