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European bank for reconstruction and development (EBRD) InvestEU risk participation
As part of the InvestEU Green Portfolio Guarantee Framework, Zagrebačka Banka is implementing a credit insurance financing programme backed by a guarantee issued by the European Bank for Reconstruction and Development (EBRD), which enables the borrowers to access more favourable financing conditions.
InvestEU Green Portfolio Guarantee Framework aims to contribute to the development of a sustainable financial system in the European Union and to support the mobilisation of private capital towards sustainable investments in line with the objectives of the European Commission. The European Commission has selected the EBRD as the implementing partner for the implementation of the framework, and the EBRD has entrusted Zagrebačka banka with cooperation in providing guarantees to cover new loans that contribute to energy savings and the reduction of CO₂ emissions.
This is an uncapped guarantee (risk sharing) of up to 80% designed to encourage investment in projects that meet the eligibility criteria of the framework.
Guarantee Coverage
80 %
Eligible Borrowers
group of individuals – co-owners of residential buildings
business entities – companies (microenterprises, SMEs, medium-sized enterprises, large enterprises) that implement eligible projects for their own behalf
service providers (ESCO and other service providers) – maintenance, operation, installation, construction, renovation, project development or similar services for eligible projects under contractual arrangements with end clients
public beneficiaries
non-profit organizations
other legal persons eligible by the EBRD
Eligible investments
sustainable transport project aimed at promoting smart, sustainable, and low-carbon mobility solutions, including very low and zero emission vehicles (both light and heavy, including public transport), associated equipment and relevant infrastructure, with the aim of accelerating the uptake of zero CO₂ emission solutions
energy efficiency project in the building sector, including, among others, building renovation, access to efficient and low-carbon/low-emission local heating systems, measures to improve smart buildings, electric vehicle charging infrastructure as well as the construction of new high-performance buildings, etc. or
investment in energy sources for the residential sector or integrated on-site installation of renewable energy sources for buildings in various industrial sectors,including renewable energy projects in communities. Renewable energy installations may be combined with on-site energy storage systems.
Eligible loans
New loans
Loan size
up to 2 million EUR; for the residential buildings up to 750 thousand EUR*
Duration of the guarantee
1 – 10 years
Life of the loan
Up to 15 years
For a full outline of the eligibility conditions, please refer to the attached document “Overview of Key Eligibility Criteria.” *it is possible to increase the loan size with EBRD consent
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