1. SHORT-TERM LOANS
1.1. Working capital loans
- A short-term loan is a financial instrument intended to maintain your short-term liquidity and to improve your competitive position on the market.
- A short-term loan is approved for a period of up to 12 months in the KM currency or the EUR currency.
- The loan may be used in a number of ways, depending on the client’s needs (at once, successively or revolving).
- The loan is repaid in equal monthly installments by the agreed date.
- You may personally agree with the Bank about any additional lending terms
1.2. Permitted overdraft on transaction accounts
- Overdraft is a financial instrument intended for short-term financing of the business activity of the company. Its intention is also to enable companies to meet all of their short-term liabilities, directly influencing a positive cash flow of the company.
- The amount of permitted overdraft on the transaction account is determined based on the amount of 30% of the average demand volume of transactions on the transaction account over the past 6 months, excluding transactions on loans received and similar transactions and not more than 100,000.00, or 300,000.00 KM depending on the selected credit form.
- The interest on overdraft is a fixed one and is calculated on an annual level for the number of days used and for the amount used.
1.3. Revolving
Revolving is a financial product constituting a form of contracting of the planned volume of operations between the client and the Bank within a defined period. The revolving agreement is used to define the amount of the financial support provided by the Bank and the volume of transactions to be executed by the client through the Bank.
Revolving is approved for a period of up to 12 months, with previously agreed terms for its approval, use and repayment.
2. LONG-TERM LOANS
A long-term loan is a financial product intended to provide financial support to companies over periods longer than 12 months. The amount of interest rate and fees for all forms of financing is determined by the competent bodies of the Bank based on the established tariff rate rulebook, depending on the creditworthiness of the client, its share in the revenues of the Bank, security instruments and past experiences in working with the client.
In the supply of long-term financing options, we highlight:
- For financing of the company’s development,
- For long-term investments,
- For implementation of investment projects,
- For purchase of fixed assets,
- For financing of permanent working assets,
- Lending for export-oriented manufacture,
- For financing of construction of residential and business buildings intended for resale on the market,
- Project financing
For more information, please contact us at the following e-mail address: pravnalica@intesasanpaolobanka.ba
18.05.2010
13.04.2010
08.04.2010