Long term loans

Build your business on solid ground. Improve your business in the long run.

Hipotekarna Banka long-term loans provide you with a source of financing for the long term sustainable development of your business.

What are these loans intended for?  

  • Investment in fixed assets (plants, machines, equipment)
  • Investment in permanent working assets (vexicles)
  • Refinancing of current loans

Which are the security instruments?
  • Mortgage
  • Pledge
  • Surety of other legalor physical entity
  • Specific purpose deposit
  • Other bank's guarantee
  • Bill of exchange
  • Collection order with authorization


What documents do I need?
  • Client's application
  • Official financial reports for the last 3 year with an overiew of current year
  • Buyers and suppliers overview on 31/12 of the previous year and current year
  • Overview of liabilities towards suppliers on 31/12 of the previous year and overview of the current year
  • Immovable property certificate for security instrument offered with movable/immovable property value assesment. 
  • Audit report, where it was mandatory for the past 3 years
  • Consent to access 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 for the period of loan term
  • Balance sheet and income statement projection for the period of duration of the loan