ࡱ> %`/bjbjٕ ;:CQ48$$ohh  FRRRggggggg$ih?lgEgRR4)h>>>pRRg>g>>,X^R R\]4g?h0oh] mRmh^^ma>ggXoh$8d 8  OSIGURANJE KREDITA ZA PRIPREMU IZVOZA Osiguranje kredita za pripremu izvoza namijenjeno je poticanju perspektivnih i brzo rastuih izvoznika s kvalitetnim izvoznim programima te dokazanim mogunostima izvoza kapitalnih dobara na strana tr~iata. Ciljnu skupinu ine izvoznici koji su suo eni s nedostatkom obrtnog kapitala za pripremu izvoza, kada kreditorima ne mogu ponuditi uobi ajene instrumente osiguranja kredita ili su isti nedostatni za ispunjenje uvjeta kredita. Osiguranje se odobrava za kredite namijenjene izvozu hrvatskih roba i usluga. Korisnici osiguranja Osiguranje mogu zatra~iti sve banke u Republici Hrvatskoj koje posluju sukladno Zakonu o bankama te ostale pravne osobe koje financijske usluge pru~aju temeljem posebnih propisa. Ocjenu prihvatljivosti banke za suradnju po ovom Programu, HBOR e prvenstveno temeljiti na procjeni: financijske situacije kreditora iskustva u financiranju izvoza Prihvatljivi korisnici kredita Korisnici kredita po ovom Programu mogu biti hrvatskiizvoznici. Osnovni preduvjeti koje korisnik kredita mora ispunjavati su sljedei: Uredna registracija i uspjeano poslovanje, Prihodi od prodaje na stranom tr~iatu u razdoblju od najmanje jedne godine, Zaklju en i pravno valjani Izvozni ugovor s kupcem u inozemstvu, Pozitivna ocjena kreditne sposobnosti od strane banke kreditora. Korisnici kredita po ovom Programu ne mogu biti po etnici niti poduzetnici u po etnim stadijima razvoja. Predmet osiguranja Predmet osiguranja su potra~ivanja banke kreditora prema krajnjem korisnika kredita s osnove: glavnice kredita i ugovorne kamate Osigurani rizici neplaanje obveza od strane Izvoznika/jamaca po Ugovoru o kreditu neplaanje uslijed insolventnosti, ste aja, ovrhe nad imovinom Izvoznika/jamaca Osigurana svota i postotak pokria Nov ani iznos na koji je zaklju eno osiguranje, koji je naveden u Polici osiguranja, a koji ne mo~e biti vei od: (a) ugovorne vrijednosti Ugovora o kreditu, kao niti od (b) 85% ugovoNPR R | .lz|Ntxt j""$$<$>$8%:%v%6&t&x&&*ѿ~vl_h+fUh+fU0JCJaJh+fU0JCJaJh*B*\phfffh+fU5>*B*\phfff%PR R | .lrz|Nt0 $ & Fa$gd+fU $ & Fa$gd+fU dd@&[$\$gd+fU$a$gd+fU$a$gdw-/0Xx |!j""#$$8%:%x%%x&&\(** $ & Fa$gd+fU$dd@&[$\$a$gd+fU$a$gd+fU $ & Fa$gd+fU dd@&[$\$gd+fU $ & Fa$gd+fUrne cijene iz Izvoznog ugovora, ako je Ugovor o kreditu zaklju en na rok do 2 godine (c) 75% ugovorne cijene iz Izvoznog ugovora, ako je Ugovor o kreditu zaklju en na rok dulji od 2 godine. Osiguranjem kredita za pripremu izvoza mo~e se osigurati iznos do najviae 80% glavnice kredita te 80% ugovorne kamate. Premija osiguranja Premijska stopa utvruje se sukladno trajanju osiguranja, obra unava se u postotku od iznosa osigurane svote (glavnice kredita). Premija osiguranja naplauje se jednokratno unaprijed. Odateta Nov ani iznos, u postotku pokriakoji osiguratelj isplauje osiguraniku radi naknade atete koja je nastala ispunjenjem nekog od osiguranih rizika. Podnoaenje odatetnog zahtjeva: 90 dana od datuma dospijea obveza po Ugovoru o kreditu 30 dana od dana donoaenja rjeaenja o otvaranju ste aja nad Izvoznikom Izvjeatavanje, praenje koriatenja i vraanja kredita Kreditor (osiguranik) je obvezan pratiti tijek i namjensko koriatenje kredita sukladno svojim va~eim procedurama te po potrebi provoditi kontrolu namjenskog koriatenja kredita na terenu. Obveza kreditora uz kontrolu namjenskog koriatenja kredita uklju uje i praenje otplate glavnice kredita i kamate, kontrolu financijskih izvjeataja, izvjeataja o stanju zaliha robe za izvoz, izvoznih potra~ivanja te ostalih izvjeataja vezanih uz realizaciju osiguranog kredita. Osiguranje naplate potra~ivanja iz izvoznog ugovora Izvoznik se obvezuje osigurati naplatu potra~ivanja iz Izvoznog ugovora ato je uvjet zaklju enja Police osiguranja kredita za pripremu izvoza (Zahtjev za osiguranje izravnih isporuka roba i usluga). Za ostale informacije slobodno nas kontaktirajte! 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Ciljnu s      TK_A?@AuHL kupinu ine izvoznici koji su suo eni s nedostatkom obrtnog kapitala za          #     T'_A?@A'dL pripremu izvoza, kada kreditorima ne mogu ponuditi uobi ajene instrumente osiguranja kredita ili su  "    "#      #      T\'4_A?@A'-L isti nedostatni za ispunjenje uvjeta kredita.              TT5G_A?@A5L P  TT':_A?@A'L P  T,'R_A?@A'H%L Osiguranje se odobrava za kredite name!        #T<R_A?@AH(L ijenjene izvozu hrvatskih roba i usluga.  &" WMFC h+h+        TTR_A?@AHL P  Rp@Times New RomanGz Times ew Roman  j0LN0(dv%  T'_A?@A'L tKorisnici osiguranja$    TT_A?@AL P   % T'0_A?@A'&aL Osiguranje mogu zatra~iti sve banke u Republici Hrvatskoj koje posluju sukladno Zakonu o bankama A!  #     !      "  Td&1e_A?@A'[YL te ostale pravne osobe koje financijske usluge pru~aju temeljem posebnih propisa. Ocjenu "  !!" !  ! " ! # #! !  !!   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Ciljnu s w2 + HJkupinu ine izvoznici koji su suoeni s nedostatkom obrtnog kapitala za  2 =ddJpripremu izvoza, kada kreditorima ne mogu ponuditi uobiajene instrumente osiguranja kredita ili su     O2 Od-Jisti nedostatni za ispunjenje uvjeta kredita.  2 OnJ  2 adJ C2 sd%JOsiguranje se odobrava za kredite nam  G2 sW(Jijenjene izvozu hrvatskih roba i usluga. 2 sKJ @Times New Roman-  )2 dJKorisnici osiguranja    2 J  - 2 daJOsiguranje mogu zatraiti sve banke u Republici Hrvatskoj koje posluju sukladno Zakonu o bankama s      2 dYJte ostale pravne osobe koje financijske usluge pruaju temeljem posebnih propisa. Ocjenu o            2 dJprihvatl2 VJjivosti banke za suradnju po ovom Programu, HBOR e prvenstveno temeljiti na procjeni:      2 J @Wingdings- 2 ~J@"Arial- 2 J - ;2  Jfinancijske situacije kreditora  2 SJ ,J'- 2 ~J- 2 J - 82 Jiskustva u financiranju izvoza 2 QJ ,J'-  82 +dJPrihvatljivi korisnici kredita   2 +"J  - [2 Pd5JKorisnici kredita po ovom Programu mogu biti hrvatski     2 PJ 2 P Jizvoznici.  2 PJ  2 bdJ 2 tdJOsnovnil j2 t?J preduvjeti koje korisnik kredita mora ispunjavati su sljedei:  2 tJ - 2 ~J- 2 J - L2 +JUredna registracija i uspjeno poslovanje,  2 J ,J'- 2 ~J- 2 J - }2 LJPrihodi od prodaje na stranom tritu u razdoblju od najmanje jedne godine,    2 tJ ,J'- 2 ~J- 2 J - m2 AJZakljuen i pravno valjani Izvozni ugovor s kupcem u inozemstvu,    2 <J ,J'- 2 ~J- 2 J - 2 JPozitn e2 <Jivna ocjena kreditne sposobnosti od strane banke kreditora.  2 ,J ,J' 2 dJ 2 d`JKorisnici kredita po ovom Programu ne mogu biti poetnici niti poduzetnici u poetnim stadijima       2 dJrazvoja. 2 J -  &2 dJPredmet osiguranja     2 J  - t2 ;dFJPredmet osiguranja su potraivanja banke kreditora prema krajnjem kori    .2 ;'Jsnika kredita s osnove:, 2 ;J - 2 M~J- 2 MJ - (2 MJglavnice kredita i o 2 MJ ,J'- 2 _~J- 2 _J - "2 _Jugovorne kamate  2 _J ,J'-  #2 dJOsigurani rizici  2 J  - 2 ~J- 2 J - n2 BJneplaanje obveza od strane Izvoznika/jamaca po Ugovoru o kreditu    2 FJ ,J'- 2 ~J- 2 J - 2 OJneplaanje uslijed insolventnosti, steaja, ovrhe nad imovinom Izvoznika/jamaca    2 J ,J'-  ;2 d JOsigurana svota i postotak pokri   2 >Ja 2 LJ  - 2 diJNovani iznos na koji je zakljueno osiguranje, koji je naveden u Polici osiguranja, a koji ne moe biti   2 dNJvei od: (a) ugovorne vrijednosti Ugovora o kreditu, kao niti od (b) 85% ugovo  .2 ZJrne cijene iz Izvoznog 2 +dbJugovora, ako je Ugovor o kreditu zakljuen na rok do 2 godine (c) 75% ugovorne cijene iz Izvoznog   q2 =dDJugovora, ako je Ugovor o kreditu zakljuen na rok dulji od 2 godine.  2 =J -JJJJJJIIIIIIHHHHHH՜.+,D՜.+,@ hp  HBOR<' OSIGURANJE IZVOZA Title 8@ _PID_HLINKSA (phttp://www.hbor.hr/ (phttp://www.hbor.hr/   !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxy{|}~      !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~Root Entry FWData 1TablezimWordDocument;:SummaryInformation(|DocumentSummaryInformation8CompObjq  FMicrosoft Office Word Document MSWordDocWord.Document.89q