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SCAP Invest loan

Investment loans from the Serbian Competitive Agriculture Project (SCAP project 10:40:50)

Even more favourable terms of financing

Loan amount

Long-term investment loan up to EUR 20,000.

Repayment period

Up to 120 months for loans in EUR; up to 60 months for loans in RSD.

Long-term investment loans

Grants in the amount of 50% of the total value of the investment.

Introduction

In cooperation with the Ministry of Agriculture, Forestry and Water Management and the International Bank for Reconstruction and Development, we created long-term investment loans within the Program for Competitive Agriculture of Serbia intended for registered farms.

  • Grants in the amount of 50% of the total value of the investment and costs
  • The amount of acceptable investment and expenses can be from 20,000 to 50,000 EUR
  • The amount of the Bank's loan is 40% of the value of the eligible investment and costs, i.e. from 8,000 to 20,000 EUR in dinar equivalent at the mid-rate of the NBS on the day the loan is released to the exchange rate
  • Mandatory participation of the client in the Project is 10%
  • Loan repayment term up to 120 months for loans in EUR, or up to 60 months for loans in RSD.

Basic information about the loan

Submit an application for a long-term investment agricultural loan within the Serbian Competitive Agriculture Project (SCAP project) at the nearest Banca Intesa branch where there is a Small Business Advisor, for the loan:

  • In dinars or indexed in euros
  • Repayment period up to 60 months for loans in RSD or up to 120 months for loans indexed in EUR (for EUR loans, the maximum term is up to 72 months for investments in equipment, machinery, irrigation systems, breeding stock, etc., i.e. up to 120 months for investments in long-term plantings, purchase of land, construction of facilities for agricultural production, construction of greenhouses, greenhouses, etc.).
  • Grace period up to 12 months
  • Repayment in equal monthly, three-month or six-month annuities, according to the client's needs and capabilities.

Reprezentativni primer za klijente - kalkulacija EKS na dan 14.10.2021.

Vrsta kredita SCAP kredit u dinarima
Valuta kredita RSD
Kriterijum za indeksiranje Nema kriterijuma za indeksiranje
Iznos kredita  1.800.000,00 RSD
Period otplate 60 meseci
Šestomesečni anuitet 233.223,06 RSD
Nominalna kamatna stopa (na godišnjem nivou) 9,88%, promenljiva* (3M BELIBOR + 9% godišnja;                                        3M BELIBOR na dan 28.09.2021. godine iznosi 0,88%)
EKS (na godišnjem nivou) 11,82%
Ukupan iznos koji će korisnik vratiti na kraju ugovornog perioda: 2.401.864,27 RSD
Troškovi koji padaju na teret korisnika, poznati su u trenutku oglašavanja i ulaze u obračun efektivne kamatne stope:
Naknada za obradu kreditnog zahteva 18.00 RSD
2 menice 100 RSD
Izveštaj Kreditnog biroa 246 RSD
Uverenje o stanju poreskih obaveza  640 RSD **
Overa založne izjave        10.800 RSD**
Izdavanje lista nepokretnosti  10 EUR**
Procena vrednosti nepokretnosti  100 EUR**
Taksa za upis hipoteke  20.000 RSD**
* Usklađivanje kamatne stope sa visinom  šestomesečnog BELIBOR-a će se vršiti kvartalno  (28. marta, 28. juna, 28. septembra i 28. decembra).
** Troškovi koji padaju na teret korisnika, koji ulaze u obračun efektivne kamatne stope, a na čiju visinu Banka nema uticaja. Napominjemo da se radi o okvirnim (prosečnim) iznosima na koje Banka ne utiče, a koji zavise od visine taksi i naknada eksternih institucija.

Reprezentativni primer za klijente - kalkulacija EKS na dan 14.10.2021.

Vrsta kredita SCAP kredit indeksiran u EUR
Valuta kredita EUR
Kriterijum za indeksiranje U dinarskoj protivvrednosti po srednjem kursu NBS
Iznos kredita  15.000,00 EUR u dinarskoj protivvrednosti
Period otplate 60 meseci
Šestomesečni anuitet 1.761,69 EUR
Nominalna kamatna stopa (na godišnjem nivou) 5,987%, promenljiva* (6M EURIBOR + 6,5% godišnja;                                        6M EURIBOR na dan 28.06.2021. godine iznosi -0,513%)
EKS (na godišnjem nivou) 7,63%
Ukupan iznos koji će korisnik vratiti na kraju ugovornog perioda: 18.182,25 EUR
Troškovi koji padaju na teret korisnika, poznati su u trenutku oglašavanja i ulaze u obračun efektivne kamatne stope:
Naknada za obradu kreditnog zahteva  150 EUR
2 menice 100 RSD
Izveštaj Kreditnog biroa 246 RSD
Uverenje o stanju poreskih obaveza  640 RSD **
Overa založne izjave        10.800 RSD**
Izdavanje lista nepokretnosti  10 EUR**
Procena vrednosti nepokretnosti  100 EUR**
Taksa za upis hipoteke  20.000 RSD**
* Usklađivanje kamatne stope sa visinom  šestomesečnog EURIBOR-a će se vršiti polugodišnje  (28. juna i 28. decembra).
** Troškovi koji padaju na teret korisnika, koji ulaze u obračun efektivne kamatne stope, a na čiju visinu Banka nema uticaja. Napominjemo da se radi o okvirnim (prosečnim) iznosima na koje Banka ne utiče, a koji zavise od visine taksi i naknada eksternih institucija.

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