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HIT LOANS FOR SMEs AND ENTREPRENEURS
| 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.
For more information, please visit our nearest branch office, send us an e-mail or contact us by phone:
032) 302 193, 302 162, 302 285, 302 287, 302 288, 302 289 and 302 290