Build your business on solid ground. Improve your business in the long run.
Hipotekarna Bank long-term loans provide you with a source of finance for 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 last year and current year
- Overview of liabilities towards suppliers on 31.12. of last 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 hte 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
