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Loans from the Serbian Government’s Programme
Komercijalna Banka ad Beograd, in line with the Program of Measures of the Government of the Republic of Serbia to mitigate adverse effects of global economic crisis in the Republic of Serbia for 2011, offers the following loans to its customers:
- Liquidity, permanent working assets financing and export loans
- Investment loans
- Loans for purchase of trucks, buses and construction machines manufactures in the Republic of Serbia
- Loans for supply of domestic completed software and service of software solutions implementation
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1. Liquidity, permanent working assets
financing and export loans
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Loan Beneficiaries
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Companies and entrepreneurs registered
in compliance with the law governing the registration of business entities
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Purpose
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- Financing the preparation of export
business
- Financing of working capital and
liquidity
- Rescheduling of existing loans
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Purposes and activities which can be financed
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Loans
cannot be approved for the following activities:
- Organization of lottery games, lotto,
similar activities and purposes;
- Production and trade of goods and
services which are according to domestic regulations and international
conventions and treaties considered to be prohibited;
- Refinancing loans from other banks.
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Currency
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- Dinars
- Dinars hedged by foreign currency,
in EUR by effective NBS rate for purpose of export financing
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Disbursed Loan Amount
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The maximum loan amount (total with
all banks through which the loans referred to above are realized:
1. For entrepreneurs up to
3.000.000,00 RSD
2. For a small company up to
10.000.000,00 RSD (in case of loan for export business preparation up to
10.000.000 RSD or up to 10.000.000 RSD with FX hedge)
3. For a medium-size company up to
80.000.000,00 RSD (in case of loan for export business preparation up to
200.000.000 RSD or up to 200.000.000 RSD with FX hedge)
4. For a large-size company up to
300.000.000,00 RSD (in case of loan for export business preparation up to
800.000.000 RSD or up to 800.000.000 RSD with FX hedge)
The customer who has been granted with
the highest loan amount in line with the 2010 Regulation 2010, regardless of
whether the loan in question has been repaid or in use, can get a new loan in
accordance with the terms stipulated in the Contract and 2011 Regulation.
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Loan Repayment Term
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Up to 12 months from the date of loan
disbursement.
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Grace Period
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As required by the customer and in line
with assessment of the bank
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Loan Repayment
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In monthly instalment or in single
payment
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Interest Rate
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- key NBS interest rate on annual
level
- 4,4% annually in case of loans for
export business preparation with EUR hedge
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Fees and Commissions
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-Set-up fee 0,5% flat on the approved loan amount
-Prepayment fee 1% of the loan amount being prepaid;
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2.Investment Loans
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Loan Beneficiaries
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Companies and entrepreneurs registered
in accordance with the law governing the registration of business entities
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Purpose
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- For investments
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Purposes and activities which can be financed
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Loans
cannot be approved for the following activities:
- Organization of lottery games, lotto,
similar activities and purposes;
- Production and trade of goods and
services which are according to domestic regulations and international
conventions and treaties considered to be prohibited;
- Reprogram of existing loans with the
Bank and for refinancing loans from other banks.
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Currency
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Dinars hedged in EUR
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Loan Amount
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The maximum amount that a loan
beneficiary can receive in total through all commercial banks:
1. For entrepreneurs up to 30.000,00
EUR (for an entrepreneur mainly dealing with export business up to 60.000
eur)
2. For a small company up to
200.000,00 EUR (for a small company mainly dealing with export business up to
400.000 eur)
3. For a medium-size company up to
1.500.000,00 EUR (for a medium-size company mainly dealing with export
business up to 3.000.000 eur)
4. For a large-size company up to
4.000.000,00 EUR (for a large-size company mainly dealing with export
business up to 8.000.000 eur)
In Dinar counter-value by NBS middle
rate on the date of loan disbursement
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Disbursement
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Flat payment
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Loan Repayment Term
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5 years including grace period
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Grace Period
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6 to 12 months after the first loan
tranche has been disbursed
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Loan Repayment
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In equal monthly / Three-month
instalments after grace period has
expired
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Exchange Rate
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NBS middle exchange rate for loan
disbursement, repayment of principal and calculation of interest
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Interest Rate
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-Three-month EURIBOR+4pp per annum
-Three-month EURIBOR +2pp per annum if security
instrument for loan repayment is the Development Fund’s guarantee
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Fees and Commissions
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- Loan application handling fee 1% front end fee on approved loan amount ;
- Prepayment fee 1% on prepaid loan amount
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Security
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Guarantee of the Development Fund
and/or other security instruments acceptable to the Bank
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3.Loans for Purchasing Trucks and
Building Machines Manufactured in the Republic
of Serbia
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Loan Beneficiaries
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Companies and entrepreneurs registered
in accordance with the law governing the registration of business entities
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Purpose
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- For purchase of trucks, buses and
construction machines produced in the Republic of Serbia
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Purposes and activities which can be financed
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Loans cannot be approved for the
following activities:
- Refinancing of existing loans with
the Bank and refinancing of loans/leasing with another bank/leasing company
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Currency
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Dinars hedged in EUR
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Loan Amount
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In line with the credit ability of the
customer and offered instruments of security
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Loan Repayment Term
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Up to 7 years including grace period
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Grace period
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Up to 6 months from the date of
disbursement
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Loan Repayment
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In monthly annuities, upon expiry of
grace period
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Exchange Rate
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NBS middle rate shall apply for
disbursement of loan, repayment of the principal amount, accrual of interest
and fees
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Interest Rate
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4,5% p.a.
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Fees and Commissions
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- Set up fee 0,5% flat on the approved loan amount;
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Additional Conditions
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Beneficiary is obliged to provide the
bank with the copies of fiscal bill and certificate of guarantee within the
term prescribed by the Regulation
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4. Loans for supply of domestic completed
software and service of software solutions implementation
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Loan Beneficiaries
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Companies and entrepreneurs registered
in accordance with the law governing the registration of business entities
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Purpose
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- For supply of domestic completed
software and services of software solution implementation
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Purposes and activities which can be financed
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Loans cannot be approved for the
following activities:
- Refinancing of existing loans with
the Bank and refinancing of loans/leasing with another bank/leasing company
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Currency
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Dinars
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Loan Amount
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In line with the credit ability of the
customer and offered instruments of security;
Loan amount does not include VAT
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Loan Repayment Term
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Up to 36 months including grace period
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Grace Period
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Up to 12 months from the date of loan
disbursement
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Loan Repayment
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In monthly annuities, upon expiry of
grace period
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Exchange Rate
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NBS middle rate shall apply for
disbursement of loan, repayment of the principal amount, accrual of interest
and fees
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Interest Rate
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7,5% p.a.
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Fees and Commissions
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- Set up fee 0,5% flat on the approved loan amount;
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Additional Conditions
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Beneficiary is obliged to provide the
bank with the copies of fiscal bill with the same data as in the pro forma
invoice within the term prescribed by the Regulation
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Enterprises and entrepreneurs can deliver loan applications to all branches of the Bank.
|  | Call Centre: 0700 800 900 |  | |
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