{"id":18872,"date":"2023-09-06T08:22:44","date_gmt":"2023-09-06T08:22:44","guid":{"rendered":"https:\/\/gbccroatia.org\/hrvatska-banka-za-obnovu-i-razvitak-hbor-krediti-za-mikro-poduzetnike-uz-jednostavnije-osiguranje\/"},"modified":"2023-09-06T08:22:44","modified_gmt":"2023-09-06T08:22:44","slug":"hrvatska-banka-za-obnovu-i-razvitak-hbor-krediti-za-mikro-poduzetnike-uz-jednostavnije-osiguranje","status":"publish","type":"post","link":"https:\/\/gbccroatia.org\/en\/hrvatska-banka-za-obnovu-i-razvitak-hbor-krediti-za-mikro-poduzetnike-uz-jednostavnije-osiguranje\/","title":{"rendered":"Hrvatska banka za obnovu i razvitak HBOR \u2013 krediti za mikro poduzetnike uz jednostavnije osiguranje"},"content":{"rendered":"<p><strong>PRIOP\u0106ENJE ZA JAVNOST<\/strong><\/p>\n<hr \/>\n<p><strong>HBOR \u2013 krediti za mikro poduzetnike uz jednostavnije osiguranje<\/strong><\/p>\n<hr \/>\n<p><strong>Zagreb, 3. velja\u010de 2015. \u2013 Hrvatska banka za obnovu i razvitak (HBOR) zapo\u010dela je s provedbom novog kreditnog programa namijenjenog financiranju mikro poduzetnika. Program se provodi u suradnji s Europskim investicijskim fondom (EIF) i Europskom unijom.<\/strong><\/p>\n<p>S ciljem poticanja samozapo\u0161ljavanja, modernizacije i pro\u0161irenje postoje\u0107eg poslovanja HBOR je zapo\u010deo s provedbom novog programa Mikrokreditiranje uz potporu EU.\u00a0 Program je namijenjen mikro poduzetnicima, fizi\u010dkim i pravnim osobama koji zapo\u0161ljavaju do 10 zaposlenika i ostvaruju godi\u0161nji poslovni prihod do 2 milijuna eura. Najvi\u0161i iznos kredita je u kunskoj protuvrijednosti 25 tisu\u0107a eura, a sredstva se mogu koristiti za ulaganja u osnovna ili obrtna sredstva. Rok otplate je do 5 godina uklju\u010duju\u0107i po\u010dek do godine dana. Kreditiranje se provodi putem poslovnih banaka koje su ugovorile suradnju s HBOR-om na provedbi ovog programa. Do sada je jedanaest poslovnih banaka ugovorilo suradnju na provedbi ovog programa (BKS d.d., Croatia banka d.d., Erste &amp; Steierm\u00e4rkische Bank d.d., HPB d.d., IMEX banka d.d., OTP d.d., Partner banka d.d., Podravska banka d.d., RBA d.d., Sberbank d.d. i Slatinska banka d.d.) . Kamatnu stopu za krajnjeg korisnika utvr\u0111uje poslovna banka ovisno o procijeni rizika plasmana.<\/p>\n<p>Zahvaljuju\u0107i potpisanom CIP ugovoru o jamstvu izme\u0111u HBOR-a i EIF-a novim programom mikro poduzetnicima je olak\u0161an pristup financiranju zbog zna\u010dajno smanjenih zahtjeva za instrumentima osiguranja. Za osiguranje povrata kredita poslovna baka \u0107e prihva\u0107ati zadu\u017enice od klijenta, a ovisno o procijeni mo\u017ee zatra\u017eiti i mjenice te zasnovati zalo\u017eno pravo na imovini, ali isklju\u010divo onoj koja se nabavlja iz sredstava kredita.<\/p>\n<hr \/>\n<p>Vi\u0161e o samom programu mo\u017eete vidjeti na <a href=\"http:\/\/www.hbor.hr\/mikrokreditiranje-uz-potporu-eu01\" target=\"_blank\" rel=\"noopener\">http:\/\/www.hbor.hr\/mikrokreditiranje-uz-potporu-eu01<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>S ciljem poticanja samozapo\u0161ljavanja, modernizacije i pro\u0161irenje postoje\u0107eg poslovanja HBOR&#8230;<\/p>\n","protected":false},"author":1,"featured_media":10883,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[78],"tags":[],"class_list":["post-18872","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-2015-en"],"acf":{"photo_gallery":{"galerija":[[]],"logo1_slike":[[],[]],"logo2_slike":[[],[],[]],"logo3_slike":[[],[],[],[]],"logo4_slike":[[],[],[],[],[]],"logo5_slike":[[],[],[],[],[],[]],"logo6_slike":[[],[],[],[],[],[],[]],"logo7_slike":[[],[],[],[],[],[],[],[]],"logo8_slike":[[],[],[],[],[],[],[],[],[]],"logo9_slike":[[],[],[],[],[],[],[],[],[],[]],"logo10_slike":[[],[],[],[],[],[],[],[],[],[],[]],"logo11_slike":[[],[],[],[],[],[],[],[],[],[],[],[]],"logo12_slike":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"logo13_slike":[[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"logo14_slike":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"logo15_slike":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"logo16_slike":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"logo17_slike":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"logo18_slike":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"logo19_slike":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"logo20_slike":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]]}},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.3 - 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