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Investment loans

The right way towards a long-term advancement of your business

Hipotekarna Bank long-term loans provide you with a source of finance for long-term sustainable development of your business. If you want to invest in fixed assets (plants, machines, equipment) or permanent working assets (vehicles), our investment loans are an excellent solution for you.

With our investment loan support you can buy new equipment, enlarge your capacity, buy business premises or other real estate, as well as permanent working assets. Our loans can also be used to refinance other loans, as well as your own investment.

The loan amount depends on your needs and Bank’s assessment of your enterprise’s standing.

The repayment term can be for as long as over 60 months, and the loan can be repaid in monthly installments (annuities), quarterly, seasonally, annually, or in one-off amounts.

Interest rates depend on client’s standing, purpose of financing, and repayment term. Security instruments include the following:

  • mortgage
  • pledge
  • surety of other legal or physical entity
  • specific purpose deposit
  • guarantee of other bank
  • surety of other bank
  • bill of exchange
  • collection order with authorisation

Required documents

  • Client application
  • Official financial reports (certified by the Revenues Directorate or Commercial Court) for the last 3 years, together with the overview for the current year (without certification)
  • Breakdown of buyers as of 31 December of the previous year as well as the breakdown for the current year
  • Overview of liabilities to suppliers as of 31 December of the previous year as well as the overview for the current year
  • Trial balance for the last 3 years and an overview of the current year
  • Bank account transactions (in domestic and foreign payment operations)
  • Property Sheet for the security instrument offered
  • Assessment of movable/immovable property
  • Audit report, where it was mandatory for the past 3 years
  • Consent for access to credit registry of the Central Bank of Montenegro (RKR)

Depending on the loan repayment schedule, one of the following documents must also be submitted:
  • Business plan or a projection of financial reports for the period of loan term (for placements with repayment term from 12 to 24 months)
  • Business plan for the period of loan term (for placements with repayment term over 24 months)
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