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Financing program with the state guarantee

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State guarantee

The guarantee is unconditional, payable on first demand

Grace period of up to 12 months

You can realize the loan with a grace period of up to 12 months

Repayment period up to 36 months

Maximum loan repayment period

Loans for current assets and liquidity

Banca Intesa has signed a contract with the Ministry of Finance of the Government of the Republic of Serbia and the National Bank of Serbia (NBS) on the guarantee of the Republic of Serbia for crediting the economy with the aim to mitigate the negative consequences of the COVID-19 pandemic on the domestic market.

The total amount of the guarantee is EUR 2 billion, whereby the state covers 80% of the remaining amount of each individual loan, on the date of demand for payment under guarantee for such loan. The guarantee is unconditional, payable on first demand. According to this program, the maximum exposure of the Republic of Serbia towards an individual bank amounts to 30% of coverage at portfolio level.

The deadline in which loans may be approved is the 30.6.2021, while the realization deadline is 31.7.2021.

The loans are intended for micro, small and medium-sized companies defined in accordance with the Law on Accounting.

Loan terms

  • The amount of funds that can be at your disposal is up to EUR 3,000,000 or 25% of income from 2019 (in RSD or EUR)
  • Grace period: 912 months
  • Repayment period: up to 36 months
  • Maximum interest rate:
  1. Euribor 3M + 3.00% for loans with a currency clause
  2. Belibor 1M + 2.50% for dinar loans
     

 

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