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 / Tourism loans

Tourism loans

Purpose:
1. acquisition, construction, completion of tourist/agricultural objects
2. reconstruction of tourist/agricultural object
3. acquisition of vessels for tourist industry purposes
Documentation:

notarized sales contract
land registry certificate (ownership certificate), not older than 10 days
cost estimate of works prepared by a company or person authorized to provide planning services
construction permit or confirmation by the competent institution that no specific licence is required for the specified works
valuation of the real property (which is subject to fiduciary transfer of owner) prepared by the Bank’s certified assessor
estimation of the selling price, for the vehicle
for a loan applicant already pursuing an activity in tourist industry

Decision on building categorization issued by the County Tourism Bureau
Confirmation of the tourist board on payment of the sojourn tax for the past period

Statement that the loan will be used for a certain period (only for applicants starting a business activity)

Creditworthiness: monthly income of the debtor must be at least two times the loan annuity or, together with the income of one co-debtor, three times the loan annuity
Collaterals:
- without guarantor – according to General Terms and Conditions by type of loan
- up to three guarantors
  - fiduciary transfer of ownership of the real property in favour of the Bank, the estimated value of the property being at least 25% higher than the loan amount
  - property insurance policy against common risks (fire, flood, earthquake)
Repayment:

in monthly, quarterly, semi-annual or annual instalments
possible grace period on principal and interest up to 12 months

Purpose:
1. acquisition, construction, completion of tourist/agricultural objects
2. reconstruction of tourist/agricultural object
3. acquisition of vessels for tourist industry purposes
Documentation:

notarized sales contract
land registry certificate (ownership certificate), not older than 10 days
cost estimate of works prepared by a company or person authorized to provide planning services
construction permit or confirmation by the competent institution that no specific licence is required for the specified works
valuation of the real property (which is subject to fiduciary transfer of owner) prepared by the Bank’s certified assessor
estimation of the selling price, for the vehicle
for a loan applicant already pursuing an activity in tourist industry

Decision on building categorization issued by the County Tourism Bureau
Confirmation of the tourist board on payment of the sojourn tax for the past period

Statement that the loan will be used for a certain period (only for applicants starting a business activity)

Creditworthiness: monthly income of the debtor must be at least two times the loan annuity or, together with the income of one co-debtor, three times the loan annuity
Collaterals:
- without guarantor – according to General Terms and Conditions by type of loan
- up to three guarantors
  - fiduciary transfer of ownership of the real property in favour of the Bank, the estimated value of the property being at least 25% higher than the loan amount
  - property insurance policy against common risks (fire, flood, earthquake)
Repayment: