T E N D E R
for award business loans
with subsidized interest rates within the Project "Rural tourism"
1. Loan beneficiaries could be:
- individuals enrolled in the working register - crafts
- small and medium companies 100% privately owned,
- productive cooperatives,
- family farms (food production and / or home hospitality).
The beneficiary of the loan is obliged to invest the approved funds at the territory of Dubrovnik Neretva County.
The legal right on the loan does not exist.
2. Purpose of the loan:
- purchase, renovation or expansion of commercial facilities,
- arranging or adaptation of native houses, old abandoned buildings, museums,
- procurement of equipment or individual pieces of equipment,
- transport equipment procurement
- infrastructure development,
- production of indigenous souvenirs based on natural raw materials (textiles, wood, stone, glass, ceramics, silk, wool, etc.)
- production of indigenous gastronomic products and traditional remedies,
- buying plants, herds, flocks and permanent crops,
- working capital as a function of investment or for business improvement (up to 30 %).
The loans will not be approved for the following purposes:
- the purchase of shares in companies,
- an investment in casinos, tap-rooms for drinks and coffee bars,
- investment in securities,
- financing of environmentally unacceptable programmes,
- purchase of land.
3. The amount of the loans for entrepreneurs:
minimum amount: 35.000,00 kuna
maximum amount: 100.000,00 kuna
4. Repayment period:
up to 5 years, with a grace period of 1 year which is not included in the repayment period (the grace period, interest is charged).
5. The utilization period:
up to 6 months from the date of loan contract conclusion
6. Interest rate:
|
Business bank |
Interest rate |
1. |
SG Splitska banka d.d. |
3M EURIBOR + 6,5 p.p. per year,variable |
2. |
Erste&Steiermärkische bank d.d. |
3M EURIBOR + 6,5 p.p. per year,variable |
3. |
Zagrebačka banka d.d. |
3M EURIBOR + 6,5 p.p. per year,variable |
4. |
Hrvatska poštanska banka d.d. |
3M EURIBOR + 6,5 p.p. per year,variable |
Dubrovnik Neretva County subsidizes interest rate at the amount of 4% per year, fixed.
7. Bank fees:
|
Business bank |
Bank fees |
1. |
SG Splitska banka d.d. |
0,8% |
2. |
Erste&Steiermärkische bank d.d. |
0,8% |
3. |
Zagrebačka banka d.d. |
0,8% |
4. |
Hrvatska poštanska banka d.d. |
1% |
8. Loan repayment:
in equal monthly, quarterly or semi-annual installments with due payment on the last day of the month for the previous accounting period.
9. The insurance instruments:
- bills of exchange, blank debit notes, bails
- establishment of a lien right or transfer of fiduciary ownership of real estate properties and / or the movables in favor of the bank, provided that the estimation of the real estates / movable properties is performed by the certified professional assessor,
- insurance of realestate/movable property against risks at an insurance company with vinculum of the insurance policy in favor of the bank,
- guarantee deposit,
- the other insurance instruments: blank debit notes, bails, guarantees from HAMAG etc., if necessary and at the request of Bank, in agreement with the loan beneficiary.
10. Loan approval
In accordance with the decision of the Commission for implementation of activities and the allocation of subsidies, the bank performs the final selection of entrepreneurs, and with them enteres into loan agreement.
11. Application for loans
The application form for entrepreneurial loan, the list of required documentation and all information regarding credit programme, can be obtained at:
1. Dubrovnik Neretva County
Department for tourism, sea and entrepreneurship
Pred Dvorom 1, Dubrovnik
tel: 351-431, 351-404
2. DEŠA Dubrovnik
Frana Supila 8, Dubrovnik
tel: 420-145
The application for entrepreneurial should be submitted at the address:
DUBROVNIK-NERETVA COUNTY
Department for tourism, sea and entrepreneurship
Committee for the implementation of the activities and allocation of subsidies
Pred Dvorom 1, 20 000 DUBROVNIK
12. Tender duration
The tender is open up to the utilization of available resources. |
