financing other needs for working capital on the basis of documentation
refinancing of loans granted from other banks for the same or similar purposes
The loan is used for a specific purpose - payment to the supplier's account or to your business account is made on the basis of documentation for the specific purpose of the loan.
It is granted in HRK or indexed to EUR and the amount depends on creditworthiness.
Repayment period: up to 12 months.
Benefits
Fast approval
Flexible financing terms and conditions The ability to combine different types of insurance, and loan amounts of up to HRK 100,000 can be granted only with basic collaterals
Favourable financing terms and conditions Many available credit lines enable us to offer favourable loan terms and conditions
Individual approach We respect the specifics of your business and your needs and suggest the optimal financial solution
Conditions
Terms and conditions for obtaining the loan are determined by the sustainability, i.e. creditworthiness of your business. You will receive all information upon contacting your Relationship Manager.
Required documents
Loan application
Status documentation (not necessary for clients of Zagrebačka banka)
Financial documentation:
For income taxpayers: -income tax returns for the past two years of business with attachments: Excerpt from the Book of receipts and expenditures and a List of long-term assets -copy of the Decision of the Tax Administration on the amount of income tax liability for the past two years -excerpt from the Book of receipts and expenditures for the current year -overview of long-term assets, overview of receivables and payables on the date of application -certificate of debt towards the Tax Administration, the Croatian Health Insurance Fund and the Croatian Pension Insurance Institute
For corporate income taxpayers: -copy of the complete application of income tax with annual financial statements, certified by the Tax Administration for last two years of business -financial statements for the last quarter before the submission of the application -analytical reports (customers, vendors, inventory, debt to other banks and/or house leasing)
BON-2 or SOL-2 forms no older than one month, only for accounts outside of Zagrebačka banka
Certificate of debt towards the Tax Administration, the Croatian Health Insurance Fund and the Croatian Pension Insurance Institute
Analytical reports (customers, vendors, inventory, debt to other banks and/or house leasing)
*Disclaimer: If necessary, the Bank may request other documents as well.
Prices
The interest rate is defined pursuant to the Interest Rate Decision.
Arrangement
Can a new entrepreneur (start-up) obtain a loan in Zagrebačka banka?
Loans are granted to business start-ups if the project for which financing is requested is sustainable and profitable. The guarantee from the HAMAG-BICRO guarantee programme Start-Up is also available as a security instrument.
Is it possible to refinance an existing loan, which I am currently repaying in another bank?
Yes. Commitments to other lenders can be refinanced by a loan from the Bank. Refinancing terms and conditions are individually tailored to your business cycle.
Do you take HAMAG's guarantee as collateral?
Based on our collaboration with HAMAG - BICRO, the Bank accepts guarantees for business loans, and the type and amount of the guarantee depends on the type or sustainability of the investment.
The zaba.hr website uses cookies. Necessary cookies are required for the functioning of the website. Other cookies enable visitor tracking in order to improve our services and provide a better marketing experience. If you reject other cookies, our website may work differently and its use may be less convenient. More about cookies and settings change
Ovi kolačići su neophodni za funkcioniranje web stranice i ne mogu se isključiti u našem sustavu. Obično se postavljaju samo kao reakcija na vašu radnju koja predstavlja zahtjev za uslugom, kao što je postavljanje vaših postavki privatnosti, prijavljivanje ili popunjavanje obrazaca.
Kolačići koji se koriste:
JSESSIONID - čuva stanje sesija kroz zahtjeve za stranicama
PD_STATEFUL - kolačići sigurnosti sesije Server session security cookies
PD_SESSION-ID - jdinstveni Unique server session security cookie
PWSESSIONID – kolačić sesije poslužitelja
Parent_alive - kolačić sesije poslužitelja
Gtm_tracking - čuva korisnikov pristanak na praćenje
Option_set – čuva vrijednost za pokazivanje cookie bara
Zaba_performance- čuva posjetiteljev pristanak za bolje performance
Performansni kolačići
Ovi kolačići omogućuju nam da računamo posjete i izvore prometa, kako bismo mogli izmjeriti i poboljšati performanse naših stranica. Oni nam pomažu da znamo koje su podstranice najpopularnije ili najmanje posjećene, te kako se posjetitelji ponašaju po web stranici. Sve informacije koje ovi kolačići prikupljaju su agregirani a time i anonimizirani. Ako spriječite te kolačiće, nećemo znati kada ste posjetili našu web stranicu.
Kolačići koji se koriste:
ZABGN - postavke naslovnice ovisno o tome je li korisnik građanin ili pravna osoba
ZABRM - kolačić s vrijednošću korisnikovog web preglednika zbog boljih performansi
Marketinški kolačići
Ovi kolačići služe kao pomoć pri tumačenju internetskih aktivnosti korisnika te u svrhu marketinških aktivnosti, poput oglašavanja i remarketinga.
Kolačići koji se koriste:
1P_JAR - prikuplja statistiku web stranice i prati stopu konverzije Google.com/google.hr
CONSENT - postavke kolačića - google.com
DV - Google ad personalizacija - google.com
NID - Google ad personalizacija - google.com
IDE- Koristi se za prepoznavanje preglednika za oglašavanje i praćenje izvedbe i postavki. Google.com/ DoubleClick
ga - Google Universal Analytics postavlja jedinstveni ID koji se koristi za izračunavanje podataka za analitička izvješća
gid - koristi se za razlikovanje korisnika jednog od drugog.
Anj - Anj kolačić sadrži podatke koji označavaju da li se ID kolačića sinkronizira s našim partnerima. ID sinkronizacija omogućuje našim partnerima korištenje svojih podataka izvan platforme na platformi.
uuid2 - Ovaj kolačić sadrži jedinstvenu, slučajno generiranu vrijednost koja Platformu omogućuje razlikovanje preglednika i uređaja.
Sess - Kolačić sesije sadrži jednu ne-jedinstvenu vrijednost: "1". Platforma se koristi za testiranje je li preglednik konfiguriran za prihvaćanje kolačića iz aplikacije AppNexus.
Icu - Kolačić se koristi za odabir oglasa i ograničavanje broja prikaza određenog oglasa. Sadrži informacije poput broja prikaza oglasa, nedavnog prikazivanja oglasa ili broja prikazanih oglasa
Uid - jedinstveni identifikator
cid - Cookie id (legacy) – jedinstveni identifikator
Facebook - prati konverzije FB oglasa, optimizira oglase, gradi ciljanu publiku i radi remarketing
HotJar - prikuplja informacija o ponašanju korisnika i njihovim uređajima