Imex banka has prepared loans for citizens for the purchase of T-HT shares in the amount of up to 38,000 kuna. For bank clients, the interest rate is 8.90%, while for citizens without client status, the interest rate is 9.50%.
Client status is achieved by opening a current account with regular monthly income. There is no fee for early repayment of the loan, and the processing fee for the loan is 1%, with a minimum of 500 kuna. The collateral for the loan consists of pledged T-HT shares and a statement of consent from the loan user or co-debtor regarding account seizure, certified by a public notary. The required documentation includes a copy of the ID card, a certificate of employment status and salary certified by the employer, and a binding offer for the purchase of T-HT ordinary shares.
All employed persons and pensioners are entitled to the loan. If the loan user is not employed, the right to the loan can be obtained with the co-debtorship of an employed person or pensioner. Citizens can choose between two repayment models; if they opt for a repayment period of 1 year, the entire loan is repaid upon maturity, while they only pay interest monthly. If they choose a repayment period of 1 to 5 years, the loan is repaid in equal monthly installments.
