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Loan period: 15 years maximum

Grace period: maximum 24 months

The own contribution of the Public Local Authority may be in kind in very well documented and technically, economically or financially justified cases (when representing expenditures made previously in connection with the financed investment)

Flexible guarantees

The reimbursement terms may be established together with the client, according to its current or estimate cash flow and its own resources to be established and used.

Free consultancy concerning the preparation of the documentation for loan access by the Public Local Authorities

Fast resolving of a loan application

Visualizing of the financial status and of the current account/card transactions via Internet Banking and Mobile Banking Services provided by the Bank
Loan Destination
The capital expenses made to execute the following public local investment projects are deemed to be eligible for founding by the Bank: 
- funding the new investment objectives; 
- supporting the completion or continuation of the investment objective works already begun;
- development, modernization and/or reengineering of the existing investment objectives, machineries, machines and installations, buildings and constructions;  
- purchase of machines, machineries, transport vehicles, IT equipment and other independent goods; 
- purchase of building, constructions, etc.; 
- purchase, arrangement, modernization, development of the activity areas of the applicant; 
- refunding different investment loans contracted with other credit institutions; 
- other public investments of local interest.

The capital expenses for public local investments of counties, municipalities, districts of Bucharest, towns and parishes must be included in the investment program of each territorial-administrative unit to be approved as annex to the local budget.

The investment objectives and the other expenses assimilated to investments are included in the investment program if their technical-economic documentations were prepared and approved according to the law in force.

The eligible domains are
- education;
- health; 
- culture, religion and interventions concerning the sports and youth activities; 
- social care, allowances, pensions, aids and social benefits;
- public and dwelling development and services; 
- agriculture and forestry;
- transports and communications;
- other economic activities (prevention and combating the floods and frost, supportino the regional development programs);
- other activities for civil protection, military centers and other related expenditures;  
- other domains of public local interest.

Eligible Clients: Public Local Authorities functioning according to the law in force which meet the conditions required by the Bank.

Value: up to 100% of the total amount of the general bill of quantities prepared for the investment object of the loan application, computed for the update prices, including VAT, valid on the date of the registration of the loan application.

Own contribution: own resources may represents the applicant's contribution to achieving the investment objective credited. Funding is granted to complete the own contribution, the payments of the investment works being made proportionally from the loan and the own contribution.

Loan Term: 15 years maximum, being established according to the amount of the guarantees available for the Public Local Authority, observing the maximum indebtness threshold established by the law in force.

Grace Period:
- 3 months in case of short-term loans; 
- 6-12 months in case of medium-term loans; 
- 12-24 months in case of long-term loans.

Loan Currency: Lei

Guarantees: any guarantee or guarantees mix out of those accepted by the Bank shall be admitted.

Investment Loan Reimbursement: monthly, quarterly or bi-annually, as established in the reimbursement schedule agreed.