CAPITAL ASSETS FINANCING

Mortgage-backed Investment Loan with UNIQA Insurance

Investment Loan

WORKING CAPITAL  FINANCING

Secured Working Capital (Re)financing

Unsecured Working Capital (Re)financing

Secured Overdraft Facility

Unsecured Overdraft Facility

CAR LOANS

Car Loan

Car Loan with UNIQA Insurance

OTHER LOANS

Long-term Purpose Loan

Debt consolidation loan

Lombard Loan - secured by a private and/or corporate deposit

Consumer Loan

KfW ENERGY EFFICIENCY CREDIT LINE

CAPITAL ASSETS FINANCING

MORTGAGE-BACKED INVESTMENT LOAN WITH UNIQA INSURANCE

Loan purpose:

• purchase, construction or reconstruction of storage, retail/wholesale, production or office space;
• refinancing of investments made in storage, retail/wholesale, production or office space

Loan amount:

• a minimum of   KM 15,000
• a maximum of  KM 195,000

The loan is approved in the KM currency and comes with a mandatory EUR-indexation clause.

Maturity:

• up to 5 years

Grace period:

• up to 6 months

Collateral:  

• promissory notes and a personal guarantee by the company owner or majority owner,
• the financed real property and/or another real property,
• basic-risks real property insurance with UNIQA.
  The loan amount will be increased for the premium payable out of the loan proceeds.

Loan repayment:

• The loan is repaid as per repayment schedule in equal monthly instalments

INVESTMENT LOAN

Loan purpose:

• purchase, construction or reconstruction of storage, retail/wholesale, production or office space
• refinancing of investments made in storage, retail/wholesale, production or office space
  
• financing/refinancing the purchase of equipment/capital assets

Loan amount:

• a minimum of   KM 5,000
• a maximum of  KM 195,000

The loan is approved in the KM currency and comes with a mandatory EUR-indexation clause.

Maturity:

• up to 5 years

Grace period:

• up to 6 months

Collateral:

• promissory notes and a personal guarantee by the company owner or majority owner,
  
• moveable property or real property to secure the loan entirely or in part (inventories are not eligible), 
• where real property serves a collateral,  basic-risks real property insurance with an insurance company acceptable to the bank.
  The loan amount can be increased for the premium payable out of the loan
  proceeds.

Loan repayment:

• The loan is repaid as per repayment schedule in equal monthly instalments

WORKING CAPITAL  FINANCING

SECURED WORKING CAPITAL (RE)FINANCING 

Loan purpose:

• financing (refinancing) working capital

Loan amount:

• a minimum of   KM 5,000
• a maximum of  KM 195,000

The loan is approved in the KM currency and comes with a mandatory EUR-indexation clause in case it is a long-term loan.

Maturity:

• up to 3 years

Collateral:

• promissory notes or a personal guarantee by the company owner or majority owner,
• moveable property or real property  to secure the loan entirely or in part (inventories are not eligible),
• where real property serves a collateral,  basic-risks real property insurance with an insurance company acceptable to the bank.
  The loan amount can be increased for the premium payable out of the loan
  proceeds.

Loan repayment:

• Short-term loan – in equal monthly instalments or as a term loan   
• Long-term loan – in equal monthly instalments

UNSECURED WORKING CAPITAL (RE)FINANCING 

Loan purpose:

• financing (refinancing) working capital

Loan amount:

• a minimum of  KM 5,000
• a maximum of  KM 100,000

The loan is approved in the KM currency and comes with a mandatory EUR-indexation clause in case it is a long-term loan.

Maturity:

• up to 1 year

Collateral:

• promissory notes or a personal guarantee by the company owner or majority owner,
• UNIQA life insurance - “Key Man Protection” for the company owner, majority owner or managing director, 
• the minimum condition for key man protection is a maximum age at entry of 60 years,
  
• general key man protection insurance policy ceded to the bank over the entire lifetime of the loan.
  The premium is paid out of the loan proceeds.  

Loan repayment:

• in equal monthly instalments or as a term loan   

SECURED OVERDRAFT FACILITY

Purpose:

• working capital financing

Loan amount:

• a minimum of  KM 3,000
• a maximum of  KM 195,000

Maturity:

• up to 12 months - with automatic prolongation

Collateral:

• promissory notes or a personal guarantee by the company owner or majority owner,
  
• moveable property or real property  to secure the loan entirely or in part (inventories are not eligible),
• where real property serves a collateral,  basic-risks real property insurance with an insurance company acceptable to the bank.
  The premium is paid out of the loan proceeds.  

Loan utilisation:

• on a revolving basis

Repayment and interest payment:

• Automatic repayment by the end of the agreed term or at final maturity.

UNSECURED OVERDRAFT FACILITY

Loan purpose:

• working capital financing

Loan amount:

• a minimum of  KM 3,000
• a maximum of  KM 100,000

Maturity:

• up to 12 months - with automatic prolongation

Collateral:

• promissory notes or a personal guarantee by the company owner or majority owner,
• UNIQA life insurance - “Key Man Protection” for the company owner, majority owner or managing director, 
• the minimum condition for key man protection is an entry age of 60 years,
  
• general key man protection insurance policy ceded to the bank over the entire lifetime of the loan.
  The premium is paid out of the loan proceeds. In case the overdraft is automatically prolonged, the customer will be required to pay the insurance premium in advance.

Repayment and interest payment:

• Automatic repayment by the end of the agreed term or at final maturity.

CAR LOANS

CAR LOAN

Loan purpose:

• This loan is intended for purchasing a new or used car via card dealers that have signed a Car Financing Protocol with us
• The used car may not be older than 5 years (car’s age + maturity = a maximum  of 8 years)

Loan amount:

• equal to the amount specified in the pro-invoice

Maturity:

• up to 3 years
• up to 5 years

Collateral:

• promissory notes or a personal guarantee by the company owner or majority owner,
• the purchased car to secure the loan entirely or in full,
• comprehensive motor insurance with the policy endorsed to the bank (required for all loans over KM 25,000).

Loan repayment:

• in equal monthly instalments

CAR LOAN WITH UNIQA INSURANCE

Loan purpose:

• This loan is intended for purchasing a new or used car via card dealers that have signed a Car Financing Protocol with us
• The used car may not be older than 5 years (car’s age + maturity = a maximum  of 8 years)

Loan amount:

• Equal to the amount specified in the pro-invoice plus the amount of the comprehensive motor insurance premium

Maturity:

• up to 5 years

Collateral:

• promissory notes or a personal guarantee by the company owner or majority owner,
• the purchased car to secure the loan entirely or in full,
• comprehensive motor insurance with the policy endorsed to the bank (required for all loans over KM 25,000).

Loan repayment:

• in equal monthly instalments

OTHER LOANS

LONG-TERM PURPOSE LOAN

Loan purpose:

• Long-term business financing

Loan amount:

• a minimum of  KM 5,000
• a maximum of  KM 195,000

The loan is approved in the KM currency and comes with a mandatory EUR-indexation clause.

Maturity:

• up to 5 years

Collateral:   

• promissory notes or a personal guarantee by the company owner or majority owner,
• moveable property or real estate to secure the loan entirely or in part (inventories are not eligible), 
• where real property serves a collateral,  basic-risks real property insurance with an insurance company acceptable to the bank.
  The loan amount can be increased for the premium payable out of the loan proceeds.

Loan repayment:

• The loan is repaid as per repayment schedule in equal monthly instalments

DEBT CONSOLIDATION LOAN

Loan purpose:

• Paying off existing loans to Raiffeisen Bank or other banks and financing business activities.  

Loan amount:

• a minimum of KM 15,000
• a maximum of KM 195,000

The loan is agreed in the KM currency and comes with a mandatory EUR-indexation clause.

Maturity:

• up to 5 years

Security instruments:

• Promissory notes or a personal guarantee by the company owner or majority owner,
• moveable property or real estate to secure the loan entirely or in part (inventories are not eligible),
• where the loan is secured with real property: insurance against basic risks taken out with an insurance company acceptable to the bank. 

Loan utilisation:

• The loan is used to consolidate other debt towards Raiffeisen Bank and/or other banks. The proceeds of the new loan are paid to the customer’s transaction account. 

Loan repayment:

• The loan is repaid according to the repayment schedule in equal monthly annuities.

LOMBARD LOAN SECURED BY A PRIVATE AND/OR CORPORATE DEPOSIT  

Loan purpose:

• All types of loans fully secured by cash on deposit

Maturity:

• up to 7 years

Short-term loan are approved in the KM currency.
Long-term loans are approved in the KM currency and linked to the euro.

Collateral: 

• cash on deposit covering the full loan amount, placed with a maturity that goes at least 30 days beyond the loan maturity (in the KM or EUR currencies), 
• promissory notes (of the company or its owner) to cover the interest amount payable on the loan.

CONSUMER LOAN

Loan purpose:

• Financing the purchase of goods from a customer's offer - equipment and working assets

Loan amount:

• from KM 3,000 to KM 100,000

Maturity:

• up to 3 years

Collateral:

• promissory notes or a personal guarantee by the company owner or majority owner

Loan utilisation:

• Non-cash payment per pro-invoice, in favour of the seller - the beneficiary of the sales finance fund with whom the Bank has signed a sales finance agreement.

Loan repayment:

• The loan is repaid as per repayment schedule in equal monthly instalments

• Financing energy efficiency projects and energy savings projects
• The purpose of this credit line is, among other things, to promote efficient energy consumptions in Bosnia and Herzegovina in a sustainable and efficient manner.

• Public companies and institutions
• Small and medium enterprises
• Private persons and households

• Design companies
• Equipment producers and importers
• Contractors
• All other legal entities developing energy saving projects

• Attractive lending conditions
• Simple and fast assessment and approval process
• The technical energy savings estimate is done by a consultant (if needed)
• Decrease in energy consumption of at least 20%
• Implementation of high-quality devices
• Global environment and climate protection by reducing carbon dioxide emissions

• Sub-loan amount: up to EUR 1,000,000 (equivalent to KM 1,955,830)
• Grace period: up to 3 years, depending on the project
• Maturity: up to 7 years, grace period included

• Household appliances and air-conditions with EU energy sticker
• Thermal insulation of buildings and replacement of windows/doors
• Thermostat-radiator valves
• Energy-efficient lighting systems
• Solar-thermal systems
• New boilers
• Fuel switching

• Frequency controller
• Cogeneration
• Heat recovery
• Reconstruction of heating/cooling systems – heat pumps and energy efficient air-conditioning systems (HVAC)
• Replacement of pumps and electric motors
• Projects for renewable energy utilisation
• All other projects generating a decrease of energy consumption of at least 20%

• Raiffeisen Bank’s standard credit procedure applies for measures where the borrower needs to provide an equipment and/or works pre-invoice (and a copy of the energy sticker for household appliances and air-conditioners).
• For measures for which the borrower needs to deliver equipment and/or works pre-invoice and an equipment catalogue, we need to obtain a Technical Estimate, in order to determine whether or not the project meets the energy efficiency criteria.
• The Technical Estimate is prepared by credit line consultants (MACS).
• Once the loan is approved, the borrower submits the final invoice to the Bank.