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Loans from the Government of the Republic of Serbia Program


In line with the Programme of measures of the Government of the Republic of Serbia for mitigating negative effects of the global economic crisis in the Republic of Serbia in 2010, Komercijalna Banka a.d. Beograd is offering the following loans to its clients:
  1. Loans for liquidity and financing permanent working capital in dinars  
  2. Loans for investments
  3. Loans for purchasing trucks an building machines manufactured in the Republic of Serbia

1. Loans for liquidity and financing permanent working capital – dinars without currency clause

Loan Beneficiaries:

Enterprises and entrepreneurs registered in compliance with the law  which governs registration of economic subjects   

Purpose:

- Financing export activities

- Financing procurement of working capitol and  liquidity

- Restructuring existing loans

Purposes and activities which cannot be financed:

Loans cannot be extended for the following purposes:

- Organization of gambling, lottery and similar activities and purposes;

- Manufacturing and trading with goods and providing services which according to the domestic regulations and international conventions and agreements are considered to be prohibited;

- Refinancing loans with other banks.

Currency:

Dinars  

Disbursed loan amount:

Maximum loan amount (total with all banks through which this Programme is implemented):

 

1. For entrepreneurs, up to  2,000,000.00 RSD

 

2. For small enterprises, up to 5,000,000.00 RSD (for loans for financing export preparations, up to  10,000,000 RSD)

 

3. For medium size enterprises, up to 50,000,000.00 RSD (for loans for financing export preparations, up to 200,000,000 RSD)

 

4. For large enterprises, up to  200,000,000.00 RSD (for loans for financing export preparations, up to 800,000,000 RSD)

 

A client, who received maximum loan amount in line with the Decree for 2009, irrespective of the fact whether this loan is repaid or outstanding, can apply for a new loan in line with the terms and conditions of the Agreement and the Decree for 2010.

Loan Repayment Term:                      

Up to 12 months after the loan disbursement date

Grace Period

In line with the client’s requirements and the Bank’s assessments   

Loan Repayment:

In monthly instalments and/or as single repayment

Interest  Rate:

Referent interest  rate of the NBS reduced by  1.5 bp per annum  

Fees and Commissions:

- Loan application handling fee  – 0.5% as flat payment on approved loan amount;

- Loan prepayment fee  – 1% of prepaid loan amount;


2. Loans for investments

Loan Beneficiaries:

Enterprises and entrepreneurs registered in compliance with the law  which governs registration of economic subjects  

Purpose:

- For investments

Purposes and activities which cannot be financed:

Loans cannot be extended for the following purposes:

- Organization of gambling, lottery and similar activities and purposes;

- Manufacturing and trading with goods and providing services which according to the domestic regulations and international conventions and agreements are considered to be prohibited;

- Restructuring existing loans with the Bank and refinancing loans with other banks.

Currency:

Dinars with currency clause in  EUR

Loan Amount:

Maximum amount which the loan beneficiary can receive from all commercial banks is:

 

1. For entrepreneurs, up to  30,000.00 EUR (for primarily exporting entrepreneur, up to 60,000 EUR)

 

2. For small enterprise, up to 200,000.00 EUR (for primarily exporting small enterprise, up to  400,000 EUR)

 

3. For medium size enterprise, up to  1,500,000.00 EUR (for primarily exporting medium size enterprise, up to 3,000,000 EUR)

 

4. For large enterprise, up to  4,000,000.00 EUR (for primarily exporting large enterprise, up to 8,000,000 EUR)

 

In dinar counter value at the middle exchange rate of the NBS as at the loan disbursement date

Disbursement

Single payment

Loan Repayment Term:                      

5 years including  grace period

Grace period:

6 to 12 months after the date the first loan tranche has been disbursed

Loan Repayment:

In equal monthly / three-monthly instalments after the expiry of the  grace period

Exchange Rate

Middle exchange rate of the NBS for loan disbursement, repayment of principal, calculation of interest and fees and commissions

Interest  Rate:

-Three-month EURIBOR + 4%

- Three-month  EURIBOR +2% if the loan is secured by the Guarantee of the Development Fund  

Fees and Commissions:

-Loan application handling fee is 1% flat of the approved loan amount;

-Loan prepayment fee is 1% of prepaid loan amount

Collateral: 

Guarantee of the Development Fund and/or other security instrument acceptable to the Bank


3. Loans for purchasing trucks and building machines manufactured in the Republic of Serbia

Loan Beneficiaries:

Enterprises registered in compliance with the law  which governs registration of economic subjects  

Purpose:

- For purchasing trucks and building machines manufactured in the Republic of Serbia

Purposes and activities which cannot be financed:

Loans cannot be extended for the following purposes:

- Restructuring existing loans with the Bank and for refinancing loans / leasing with other banks / leasing companies

Currency:

Dinars with currency clause in EUR

Loan Amount:

In line with the client’s creditworthiness and provided loan repayment security instrument

Loan Repayment Term:                      

Up to  7 years including  grace period

Grace period

Up to 6 months from the loan disbursement date

Loan Repayment:

In monthly annuities after the expiry of the grace period

Exchange Rate

Middle exchange rate of the NBS for loan disbursement,  repayment of principal, calculation of interest and fees and commissions

Interest  Rate:

4.5% per annum

Fees and Commissions:                         

- Loan application handling fee  – 0.5% flat payment on approved loan amount;

Additional Conditions:

The loan beneficiary will be obliged to deliver to the Bank copies of fiscal receipt and written guaranty not later than 90 days after the loan has been disbursed


Enterprises and entrepreneurs can deliver loan applications to all branches of the Bank.


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  • Short-term loans
  • KOM-BEL loans
  • Working capital loan
  • Framework revolving loans – Revolving loan
  • Investment loan
  • Loans covered with 100% deposit
  • Allowed Overdraft under Current Account – Overdraft loan
  • Loans from credit line of European Fund for Southeast Europe (EFSE)
  • Loans granted from EAR`s Revolving Credit Fund
  • Loans granted from EIB`s investment line
  • Loans from the Government of the Republic of Serbia Program
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