Investment loans

Investment loans serve for funding long-term investment needs of enterprises or entrepreneurs (investing in equipment, land, buildings, vehicles, foundation stock and other fixed assets). Maximum amount for funding working capital is up to 20% of the approved loan for investment needs.

Maximum loan amount

Based on the customer’s credit standing and up to:
90% of the investment value
– 10% own funding by the applicant with rating 4
85% of the investment value
– 15% own funding by the applicant with rating 5
80% of the investment value
– 20% own funding by the applicant with rating lower than 5

Period

- up to 6 years with the possibility of approving a grace period of up to 12 months;
- up to 7 years with the possibility of approving a grace period of up to 12 months if the loan relates to funding a purchase of business premises or construction of buildings.
- The grace period is included in the loan repayment period.

Loan security instruments

Adequate number of bills of exchange and contractual authorisations of the applicant and other in accordance with the Bank’s credit policy and Bank Collateral Catalogue

Repayment method

Instalments: monthly, three-monthly, quarterly, six-monthly, semi-annually

Loan types

Dinar loan with a currency clause, foreign currency loan (in accordance with the Law on Foreign Exchange Operations)

Interest and fees

In accordance with the Tariff Regulation