Splitska banka Societe Generale Group > Individuals > Specific-purpose loans

Giro Account:
2330003-1000000013

Statistical no. (MB): 03129241

Registration no. (MBS): 060000488

SWIFT: SOGEHR22

VBDI: 2330003

Individuals / Specific-purpose loans / Vehicles and vessels

Vehicles and vessels

Product description: acquisition of new and second-hand vehicles (cars, motorcars, scooters) and vessels. Loans are insured with the insurance companies Euroherc osiguranje d.d. and Triglav osiguranje d.d.
Collaterals:

Defined by the Loan Insurance Contract signed with an insurance company
Loan Agreement, with the agreement on collateralization by transfer of ownership right, solemnized with a notary public
Other collaterals pursuant to General Terms and Conditions by type of loan
For craft business holders and owners of small companies – obligatory debenture bond on business accounts or co-debtor
Any deviation from contracted terms and conditions requires approval of the insurer

Documents required to establish creditworthiness:
– The loan participant is not creditworthy if a giro account blockage is recorded in the solvency form
– If the BON 1 form requested by the Bank shows a loss during the last two years, the loan application is rejected
1. Employees of public or state-owned companies, units of state administration or local self-government, joint stock companies and limited liability companies owned by the Republic of Croatia, the county or the city
- Confirmation of the salary income, certified by the employer on the Bank’s standard form, not older than 30 days
2. Employees of limited liability companies or private limited partnerships
- Confirmation of the salary income, certified by the employer on the Bank’s standard form, not older than 30 days
- Certified BON 2/SOL 2 form, not older than 15 days
3. Retirees
- Last pension slip (original) or notification on the pension issued by the Bank (must contain information on amounts withheld)
- Decision on the pension (copy) and certified confirmation of the pension income issued by the Croatian Pension Insurance Institute (HZMO)
4. Retirees receiving foreign pensions
- Pension income received in a Bank account
- Decision on pension income (certified translation)
- Contract on the standing order for loan repayment
- Statement of consent with the pledge of all accounts (debenture bond)
5. Persons with separate accounting (craft business holders, self-employed persons: attorneys, private MDs, notaries public etc., agriculturalists)
- Registration of the business activity or craft business
- Decision on income/profit tax assessment or confirmation on the income/profit for the previous year, issued by the Tax Administration
- Certified form BON 2/SOL 2, not older than 15 days
- Confirmation on tax liabilities for the current year, issued by the Tax Administration (for loans applied for in the second half-year)
6. Employees of persons with separate accounting
- Confirmation of the salary income, certified by the employer on the Bank’s standard form, not older than 30 days
- Last three payment lists certified by the employer
- Confirmation on the income tax calculation base for the previous and current year, certified by the Tax Administration or confirmation of the Central Register of Insured Persons on the gross income for the last three months
- Certified form BON 2/SOL 2, not older than 15 days
7. Seamen
Other documents
- Bank’s loan forms
- Copies of personal ID of all loan participants
- Offer of the vehicle/vessel seller
- Deposited vehicle ownership document after registration
- The Bank reserves the right to demand further documents
Loan amount can be increased by the fee and insurance premium up to the maximum amount defined by the Contract, depending on the creditworthiness
Creditworthiness: pursuant to General Terms and Conditions by type of loan
Loan participants:

One debtor and two co-debtors for amounts exceeding 10,000 EUR
If the bank forms are not certified by the employer, the co-debtor must be a family member (parents, children, spouses)
If the debtor is older than 70 at the time of loan repayment, a co-debtor meeting the age requirement is mandatory
Eligible loan participants include only one old-age pensioner, a person with separate accounting or an employee of such person
Two loan participants are required from limited liability companies and private limited partnerships
Spouses of the debtor, co-debtor or guarantor are not eligible as guarantors

The monthly net income of every guarantor must be at least 2,000 kuna

Repayment terms and loan amounts:
- 1 to 5 years
- 1 to 7 years
- 2 to 7 years

Product description: acquisition of new and second-hand vehicles (cars, motorcars, scooters) and vessels. Loans are insured with the insurance companies Euroherc osiguranje d.d. and Triglav osiguranje d.d.
Collaterals:

Defined by the Loan Insurance Contract signed with an insurance company
Loan Agreement, with the agreement on collateralization by transfer of ownership right, solemnized with a notary public
Other collaterals pursuant to General Terms and Conditions by type of loan
For craft business holders and owners of small companies – obligatory debenture bond on business accounts or co-debtor
Any deviation from contracted terms and conditions requires approval of the insurer

Documents required to establish creditworthiness:
– The loan participant is not creditworthy if a giro account blockage is recorded in the solvency form
– If the BON 1 form requested by the Bank shows a loss during the last two years, the loan application is rejected
1. Employees of public or state-owned companies, units of state administration or local self-government, joint stock companies and limited liability companies owned by the Republic of Croatia, the county or the city
- Confirmation of the salary income, certified by the employer on the Bank’s standard form, not older than 30 days
2. Employees of limited liability companies or private limited partnerships
- Confirmation of the salary income, certified by the employer on the Bank’s standard form, not older than 30 days
- Certified BON 2/SOL 2 form, not older than 15 days
3. Retirees
- Last pension slip (original) or notification on the pension issued by the Bank (must contain information on amounts withheld)
- Decision on the pension (copy) and certified confirmation of the pension income issued by the Croatian Pension Insurance Institute (HZMO)
4. Retirees receiving foreign pensions
- Pension income received in a Bank account
- Decision on pension income (certified translation)
- Contract on the standing order for loan repayment
- Statement of consent with the pledge of all accounts (debenture bond)
5. Persons with separate accounting (craft business holders, self-employed persons: attorneys, private MDs, notaries public etc., agriculturalists)
- Registration of the business activity or craft business
- Decision on income/profit tax assessment or confirmation on the income/profit for the previous year, issued by the Tax Administration
- Certified form BON 2/SOL 2, not older than 15 days
- Confirmation on tax liabilities for the current year, issued by the Tax Administration (for loans applied for in the second half-year)
6. Employees of persons with separate accounting
- Confirmation of the salary income, certified by the employer on the Bank’s standard form, not older than 30 days
- Last three payment lists certified by the employer
- Confirmation on the income tax calculation base for the previous and current year, certified by the Tax Administration or confirmation of the Central Register of Insured Persons on the gross income for the last three months
- Certified form BON 2/SOL 2, not older than 15 days
7. Seamen
Other documents
- Bank’s loan forms
- Copies of personal ID of all loan participants
- Offer of the vehicle/vessel seller
- Deposited vehicle ownership document after registration
- The Bank reserves the right to demand further documents
Loan amount can be increased by the fee and insurance premium up to the maximum amount defined by the Contract, depending on the creditworthiness
Creditworthiness: pursuant to General Terms and Conditions by type of loan
Loan participants:

One debtor and two co-debtors for amounts exceeding 10,000 EUR
If the bank forms are not certified by the employer, the co-debtor must be a family member (parents, children, spouses)
If the debtor is older than 70 at the time of loan repayment, a co-debtor meeting the age requirement is mandatory
Eligible loan participants include only one old-age pensioner, a person with separate accounting or an employee of such person
Two loan participants are required from limited liability companies and private limited partnerships
Spouses of the debtor, co-debtor or guarantor are not eligible as guarantors