Investment loan for farmers

Flexibility

Grace period

Rapidity

Characteristics

Beneficiaries: farmers, individual farmers (PAI) or organize as PFA
Field of activity: agriculture (field crops, fruit trees, vines) / animal husbandry (poultry, swine, sheep, goats, cattle) apiculture, etc.
Purpose of the loan: financing is provided for:

- Acquisition, refurbishment and modernization of farm animals
- Acquisition of agricultural land
- Purchase of land + building
- Construction of building for the activity Agrio
- Acquisition of agricultural machinery / equipment for agriculture
- Acquisition of specific vehicles
- Acquisition of animals to increase their meat, milk, wool
- Acquisition of hives, etc.

Loan amount: maximum 85% of the total investment project financed
Currency: RON / EUR
Granting period: minimum 12 months, maximum 120 months
Grace period: 6 months / 3 years for new vineyard crops, for customers whose repayment capacity depends only on the crop
Guarantees: flexible structure guarantees

General eligibility criteria

  1. Financial performance category A, B or C, as determined under the internal rules
  2. Note Default or debt service under interrogation in the Central Credit Risk in the last 12 months in relation to the date of application analysis
  3. According to existing Incident Payments have registered more than 6 major payment incidents in the last 6 months from the date of loan application is not in banking prohibition
  4. Not registered Insolvency Bulletin, a publication edited by the National Trade Register Office, as debtor
  5. The Bank has not received on credit analysis injunction blocking the attachment of accounts in domestic and / or foreign currency
     
* The above criteria are not limiting