Documentation for establishing creditworthiness:
For all loan participants, a loan applicant is obliged to present documentation based on which
creditworthiness 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 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:
- the employer's certificate of salary
amount, on the loan application
form,
- 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 is 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 which shows the amount of
pension. The pensioners who receive
foreign (foreign currency) pensions
must enclose a copy of Decision on
pension. The same realize the 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, BON-2/SOL-2 form from his
employer.
- seamen working on foreign ships and platforms:
- A 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 boarding and
landings, payrolls in the last three
months (if in possession),
- For persons employed on
platforms- payrolls in the last
three months( if in possession).
Addition 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
The Bank reserves the right to require additional documentation.
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Applicable
as of:
8.2.2012.
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|
|
| curr. |
|
buying |
mean |
selling |
| AUD |
1 |
6,120621 |
6,226471 |
6,332321 |
|
| USD |
1 |
5,685156 |
5,771732 |
5,858308 |
|
| CHF |
1 |
6,179784 |
6,273892 |
6,368000 |
|
| EUR |
1 |
7,518230 |
7,578861 |
7,631913 |
|
| GBP |
1 |
8,990941 |
9,127859 |
9,264777 |
|
| CAD |
1 |
5,693558 |
5,792022 |
5,890486 |
|
|
|
| Complete foreign exchange list |
|
|
|
|
|
|
|
