Documentation for establishing creditworthiness:
A loan applicant is obliged
to present documentation based on which creditworthiness of all loan
participants is proved.
For loan participants employed with:
- Public or state owned companies, units of state government or local self government, public limited companies, limited liability companies owned by: the Republic of Croatia, counties or cities, and
with limited liability companies owned by public limited companies and limited liability companies owned by the Republic of Croatia, counties or cities:
on the Loan application form, the employer's certificate of salary amount ;
- Limited liability companies, public commercial
companies and limited partnerships:
- On the
Loan application form, the employer's certificate of
salary amount ,
- The last three pay rolls certified by the employer,
- The BON-2/SOL-2 form, not older than 30 days.
In case the number of employees is lower than 20,
together with the BON-2/SOL-2 form there must be enclosed
the BON-1 form, i.e. the semiannual statistical report or
another document from which can be seen the number of
employees ( the RS form and similar). If in the BON-2/SOL-2
form was shown an account blockade for more than 15 days in
the last
6 months, such a participant will not be considered a creditworthy
one
- For pensioners:
A confirmation by a Pension insurance company
showing
the amount of pension. Pensioners who receive foreign
(foreign currency) pensions must enclose a copy of Decision
on Pension. The same persons realize their loan right upon receipt of
at least one pension to the foreign currency account opened with
the Bank, with an obligation to open a standing order to
repay the loan from an account with the Bank.
- Artisans, persons realizing income from independent
activity and persons exercising free professions:
A confirmation on the amount of income or profit, issued by
the Ministry of Finance, Tax Administration, a confirmation
on the base level for pension insurance, issued by the
REGOS, for the last three months, a BON-2/SOL-2
form and a
confirmation of the balance of tax debt. With the prescribed instruments
of loan insurance, artisans, persons realizing income
from independent activities and free professionals must
send a debenture to the Bank.
- Persons employed by artisans,
those realizing profit from
autonomous activities and free professionals:
The employer's confirmation on
the amount of salary
on the Loan request form, a confirmation on the
base level for pension insurance, issued by the REGOS, for the
last three months, a BON-2/SOL-2 form from his employer.
Seamen working on
foreign ships and platforms:
- Full -time or a part-time employment contract , extended
at least once in the last year ( employment interruptions or
holidays are included),
- For persons employed on ships-
a copy of
seaman's book in which can be seen a list of
embarking and disembarking dates, payrolls in the last three months ( if in
possession),
- For persons employed on
platforms-
payrolls in the last three months ( if in possession).
Additional obligation:
To channel the salary or a part
of it (at least the one equaling monthly loan
payables) to a foreign currency account with the Bank as well as
to be
receiving it throughout the loan repayment time, to contract
a standing order for loan repayment, and to consign a debenture note.
- For employees of
guilds, associations, and non- profit organizations:
A confirmation on the amount of salary
on the Loan application, a BON-2/SOL-2 form, not older than 30
days, a confirmation
on the base level for pension insurance, issued by the
REGOS, for the last three months. If in the BON-2/SOL-2
form was shown account blockade for more than 15 days in the last
6 months, such a participant will not be considered a creditworthy
one.
- For employees of embassies, consulates
and foreign company representative offices:
- A confirmation on the amount of salary on the Loan application,
- A Declaration /confirmation by
the employer that he will, at the Bank's request, execute
the confiscation of salary.
General documentation:
- A loan application,
- A copy of identity cards of
the loan applicant, co-debtors and pledge debtors,
- The last pay roll (certified by
the employer),
- A proof of the ownership of
real estate, a original excerpt from the land register, i.e.
an excerpt from Register of contracts deposited , not older than 5 days,
- Real estate value evaluation,
- Policy of real estate
insurance, vinculated in favour of the Bank.
Special documentation, in accordance with a loan purpose:
- For the purchase of a flat
or a family house, a pro-forma contract or a purchase contract
based on which a loan can be granted, taking into
consideration that loan applicants, prior to using a loan,
must consign a sales contract certified by a notary
public,
- For construction, reconstruction, additional construction, a building license or a decision on building, a cost list of works, a building plan,
- For the reconstruction of a
flat or a family house, a cost list of works,
- For the purchase and utility
connections acquiring: a purchase contract, an invoice/pro forma invoice,
a location permit.
The Bank reserves the right to
require additional documentation.
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Applicable
as of:
4.2.2012.
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|
|
| curr. |
|
buying |
mean |
selling |
| AUD |
1 |
6,053832 |
6,158527 |
6,263222 |
|
| USD |
1 |
5,666036 |
5,752321 |
5,838606 |
|
| CHF |
1 |
6,195537 |
6,289885 |
6,384233 |
|
| EUR |
1 |
7,518054 |
7,578683 |
7,631734 |
|
| GBP |
1 |
8,978834 |
9,115568 |
9,252302 |
|
| CAD |
1 |
5,662698 |
5,760629 |
5,858560 |
|
|
|
| Complete foreign exchange list |
|
|
|
|
|
|
|
