1. 30 pt arial bold tamno sivo
NASLOV
30 pt arial bold tamno sivo
Naslovni slajd
2008

2. “Intesa Gradnja” product
WE OFFER
PROJECT FINANCING
“Intesa Gradnja” product
Financing of the construction of residential buildings, intended for market sale, adjusted to Your needs 1

3. In line with the construction period
ADJUSTED TO YOUR NEEDS
Loan tenor:
In line with the construction period
Loan disbursment:
After submitting each monthly report on the construction process, verified by the sight supervisor and consulting company (lender supervisor) montly report
Loan repayment:
Starts in accordance with the sale projection, after granting the technical acceptance/ the occupancy permit from the funds generated on specific-purpose accounts from sold appartments and business premises 2

4. “STANDARD” LOAN “INTESA GRADNJA”
WHY “INTESA GRADNJA”?
“STANDARD” LOAN “INTESA GRADNJA”
ANALYSIS
FINANCIAL FIGURES
PROJECT PROFITABILITY
AMOUNT
LIMITED
UNLIMITED
TENOR
ACCORDING TO
THE LONG-TERM STANDARD
ADJUSTED TO THE PROJECT
COLLATERALS
NOT EASY TO OBTAIN
“PROJECT ITSELF”
LOAN REPAYMENT
DURING THE CONSTRUCTION PERIOD
FROM OWN FUNDS
AT THE END OF PROJECT,
FROM SALE
PAYMENT OF LOAN FEES
DURING THE CONSTRUCTION PERIOD
FROM OWN FUNDS
NO –
ADDED TO THE PRINCIPAL DEBT 3

5. You will We shall WORKING TOGETHER
FINANCE THE AMOUNT OF 70% OF THE INVESTMENT VALUE
MIN AMOUNT OF EUR
MONITOR THE CONSTRUCTION PROCESS
ASSIST IN SALE OF THE APPARTMENTS
ESTABLISH SPC
PARTICIPATE IN THE AMOUNT OF 30% OF THE INVESTMENT VALUE:
- Location
- Project documentation
- Other
OBTAIN CONSTRUCTION APPROVAL
CHOOSE RIGHT CONTRACTOR (min 2 years of previous experience in construction and ability to provide performance guarantee)
CONTRIBUTE WITH YOUR KNOWLEDGE AND EXPERIENCE 4

6. PROMOTE YOUR PROJECT – by presenting your apartments to our clients
INTESA CASA
AT ONE PLACE
PROMOTE YOUR PROJECT – by presenting your apartments to our clients
APPROVE HOUSING LOANS:
Under favourable conditions
Fastly and efficiently 5

7. Min. 30 % Max. 70 % Your profit Investment - project
FINANCING SCHEME
Funds generated on specific-purpose accounts from sold appartments and business premises
Investment - project
Your participation
Loan – Banca Intesa
Min. 30 %
Max. 70 %
Your profit 6

8. LOAN CONDITIONS Interest rate: 3M EURIBOR + ______% p.a.
Disbursment fee: 0.5% on each disbursment of the loan
Monitoring fee: up to 1% on disbursed funds
Supervisor’s fee for: zero report + monthly report + final report
Quoted fees (except fee for zero report) are calculated in the loan amount as financial fee.
Interest on deposits: 3-4% p.a. on funds generated on specicif-purpose accounts
Prime collaterals:
Pledge on the SPC’s equity in favour of the Bank;
Mortgage on the building in construction which is the object of financing
Funds generated on specific-purpose accounts, from sold appartments and business premises 7

9. THE MAIN ADVENTAGES FOR YOURSELVES8

10. Contact the Bank and arrange a meeting with:
YOUR NEXT STEP IS TO:
Contact the Bank and arrange a meeting with:
“Intesa gradnja” Unit 9

11. THANKS FOR YOUR ATTENTION10