{"id":3863,"date":"2026-04-05T13:28:12","date_gmt":"2026-04-05T13:28:12","guid":{"rendered":"https:\/\/lot-consulting.hr\/?p=3863"},"modified":"2026-04-06T11:28:03","modified_gmt":"2026-04-06T11:28:03","slug":"hbor-ovi-programi-kreditiranja-za-poduzetnike-2","status":"publish","type":"post","link":"https:\/\/lot-consulting.hr\/?p=3863","title":{"rendered":"HBOR &#8211; ovi programi kreditiranja za poduzetnike"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"3863\" class=\"elementor elementor-3863\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3ae0d804 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"3ae0d804\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-38658d11 elementor-icon-list--layout-inline elementor-mobile-align-center 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4.875 9 4.875C8.475 4.875 8.03125 5.05625 7.66875 5.41875C7.30625 5.78125 7.125 6.225 7.125 6.75C7.125 7.275 7.30625 7.71875 7.66875 8.08125C8.03125 8.44375 8.475 8.625 9 8.625Z\" fill=\"white\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Josipa Kozarca 15, \u010cakovec<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-14881312 elementor-hidden-mobile elementor-hidden-tablet elementor-shape-rounded elementor-grid-0 e-grid-align-center elementor-widget elementor-widget-social-icons\" data-id=\"14881312\" data-element_type=\"widget\" data-widget_type=\"social-icons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-social-icons-wrapper elementor-grid\">\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon 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wpr-pointer-item\">Po\u010detna<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-home menu-item-has-children menu-item-1154\"><a aria-haspopup=\"true\" aria-expanded=\"false\" href=\"https:\/\/lot-consulting.hr\/#natjecaji\" class=\"wpr-menu-item wpr-pointer-item\">Natje\u010daji<i class=\"wpr-sub-icon fas\" aria-hidden=\"true\"><\/i><\/a>\n<ul class=\"sub-menu wpr-sub-menu\">\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1129\"><a href=\"https:\/\/lot-consulting.hr\/?page_id=1109\" class=\"wpr-sub-menu-item\">Mala i srednja poduze\u0107a<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1128\"><a href=\"https:\/\/lot-consulting.hr\/?page_id=1114\" class=\"wpr-sub-menu-item\">Poljoprivreda<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1127\"><a href=\"https:\/\/lot-consulting.hr\/?page_id=1122\" 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menu-item-1127\"><a href=\"https:\/\/lot-consulting.hr\/?page_id=1122\" class=\"wpr-mobile-sub-menu-item\">Ostalo<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-home menu-item-743\"><a href=\"https:\/\/lot-consulting.hr\/#usluge\" class=\"wpr-mobile-menu-item\">Usluge<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-711\"><a href=\"https:\/\/lot-consulting.hr\/?page_id=678\" class=\"wpr-mobile-menu-item\">Blog<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1705\"><a href=\"https:\/\/lot-consulting.hr\/?page_id=675\" class=\"wpr-mobile-menu-item\">Savjeti<\/a><\/li>\n<\/ul><\/nav>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2edcdf23 elementor-hidden-mobile elementor-hidden-tablet wpr-button-icon-style-inline wpr-button-icon-position-right elementor-widget elementor-widget-wpr-button\" data-id=\"2edcdf23\" data-element_type=\"widget\" data-widget_type=\"wpr-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\n\t\t\t\n\t\t\n\t\t<div class=\"wpr-button-wrap elementor-clearfix\">\n\t\t<a class=\"wpr-button wpr-button-effect wpr-button-none\" data-text=\"\" href=\"https:\/\/lot-consulting.hr\/#kontakt\">\n\t\t\t\n\t\t\t<span class=\"wpr-button-content\">\n\t\t\t\t\t\t\t\t\t<span class=\"wpr-button-text\">Kontaktirajte nas<\/span>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/span>\n\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\n\t\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5e0a73a5 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"5e0a73a5\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-627e350e e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"627e350e\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-380dc724 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"380dc724\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Uz na\u0161u pomo\u0107 do HBOR-ovog kredita <\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-28f00841 wpr-post-info-align-left elementor-widget elementor-widget-wpr-post-info\" data-id=\"28f00841\" data-element_type=\"widget\" data-widget_type=\"wpr-post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"wpr-post-info wpr-post-info-horizontal\"><li class=\"wpr-post-info-taxonomy\"><span>Mala i srednja poduze\u0107a<\/span><\/li><li class=\"wpr-post-info-date\"><span>5 travnja, 2026<\/span><\/li><\/ul>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1c885a16 elementor-widget elementor-widget-shortcode\" data-id=\"1c885a16\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><span style=\"color: green; font-weight: bold;\">Otvoreno<\/span><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-38572844 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"38572844\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-788f56f2 elementor-widget elementor-widget-text-editor\" data-id=\"788f56f2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong><a class=\"custom-link\" href=\"https:\/\/www.hbor.hr\/\" target=\"_blank\" rel=\"noopener\">Hrvatska banka za obnovu i razvitak (HBOR)<\/a><\/strong> nudi niz programa kreditiranja koji malim poduzetnicima omogu\u0107uju <strong>povoljnije uvjete financiranja, bilo da se radi o investicijama, obrtnim sredstvima ili digitalnoj i zelenoj tranziciji.<\/strong><\/p><p>U nastavku donosimo pregled <strong>najtra\u017eenijih programa<\/strong> koje HBOR trenutno nudi i kako uspje\u0161no aplicirati za iste.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b0192e6 elementor-widget elementor-widget-heading\" data-id=\"3b0192e6\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">1. Poduzetni\u0161tvo mladih, \u017eena, po\u010detnika i ostalih posebnih segmenata<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-10861889 elementor-widget elementor-widget-text-editor\" data-id=\"10861889\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Ovaj program kreditiranja namjenjen je <strong>mikro, malim i srednjim poslovnim subjektima privatnog sektora<\/strong> &#8211; trgova\u010dka dru\u0161tva, obrtnici, fizi\u010dke osobe koje samostalno obavljaju djelatnost, OPG-i, zadruge i ustanove, a koje su ujedno i:<\/p><ul><li><strong>mladi poduzetnici (osobe dobi do 41 godine)<\/strong><\/li><li><strong>poduzetnici po\u010detnici (posluju kra\u0107e od 3 godine)<\/strong><\/li><li><strong>\u017eene poduzetnice (jedna ili vi\u0161e \u017eena zajedno posjeduju vi\u0161e od 50% vlasni\u0161tva)<\/strong><\/li><li><span style=\"text-align: var(--text-align);\">poduzetnici koji ula\u017eu u sljede\u0107a podru\u010dja:<\/span><div><span style=\"text-align: var(--text-align);\">&#8211; potpomognuta podru\u010dja (I. do IV. skupina po stupnju razvijenosti (Zakon o regionalnom razvoju RH, Odluka o razvrstavanju jedinica lokalne i podru\u010dne (regionalne) samouprave prema stupnju razvijenosti))<\/span><\/div><div><span style=\"text-align: var(--text-align);\">&#8211; brdsko-planinska podru\u010dja 1. skupine (Zakon o brdsko-planinskim podru\u010djima i Odluka o obuhvatu i razvrstavanju jedinica lokalne samouprave koje stje\u010du status brdsko-planinskog podru\u010dja)<\/span><\/div><div><span style=\"text-align: var(--text-align);\">&#8211; otoci 1. skupine (Zakon o otocima)<\/span><\/div><\/li><li>\u00a0poduzetnici koji ula\u017eu u komercijalizaciju projekata temeljenih na istra\u017eivanjima, razvoju i inovacijama (RDI).<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7b93f1e elementor-widget elementor-widget-text-editor\" data-id=\"7b93f1e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Napomena:<\/strong> fizi\u010dka osoba koja je <strong>vlasnik mladog poduze\u0107a nema i nije imala vlasni\u010dki udio ve\u0107i od 30% u drugom poduze\u0107u.<\/strong><\/p><p>Kredit je namijenjen ulaganjima u:<\/p><ul><li><strong>osnovna sredstva<\/strong> s ciljem pokretanja poslovanja, modernizacije poslovanja, uvo\u0111enja novih tehnologija, pove\u0107anja kapaciteta, uklju\u010duju\u0107i i turisti\u010dke, razvoja i uvo\u0111enja novih proizvoda ili usluga, poticanja novog zapo\u0161ljavanja i sl.<\/li><li><strong>obrtna sredstva do 30% ugovorenog iznosa kredita.<\/strong><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-03759a4 elementor-widget elementor-widget-heading\" data-id=\"03759a4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Uvjeti kredita<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c4accbd elementor-widget elementor-widget-text-editor\" data-id=\"c4accbd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Najni\u017ei iznos kredita je 100.000 EUR (izravno) ili 50.000 EUR (putem poslovnih banaka). Najvi\u0161i iznos kredita je 400.000 EUR.<\/strong><\/p><p>Kod izravnih kredita mo\u017ee se kreditirati do 85% predra\u010dunske vrijednosti investicije bez PDV-a. Kod kredita putem poslovnih banaka mo\u017ee se kreditirati do 100% predra\u010dunske vrijednosti bez PDV-a.<\/p><p>Kamatna stopa kod izravnih kredita je <strong>3,90% uz mogu\u0107nost umanjenja,<\/strong> a kod kredita putem poslovnih banaka <strong>3% uz mogu\u0107nost umanjenja.\u00a0<\/strong><\/p><p>Rok kori\u0161tenja je 12 mjeseci, dok je <strong>rok otplate do 12 godina<\/strong> (uklju\u010duju\u0107i po\u010dek do 3 godine).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7068ce92 elementor-widget elementor-widget-image\" data-id=\"7068ce92\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"600\" height=\"400\" src=\"https:\/\/lot-consulting.hr\/wp-content\/uploads\/2025\/07\/hborznak607684bf4408f-2.jpg\" class=\"attachment-medium_large size-medium_large wp-image-2524\" alt=\"\" srcset=\"https:\/\/lot-consulting.hr\/wp-content\/uploads\/2025\/07\/hborznak607684bf4408f-2.jpg 600w, https:\/\/lot-consulting.hr\/wp-content\/uploads\/2025\/07\/hborznak607684bf4408f-2-300x200.jpg 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/>\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\"><\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ca334de elementor-widget elementor-widget-heading\" data-id=\"ca334de\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2. Investicije privatnog sektora<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1f07d98 elementor-widget elementor-widget-text-editor\" data-id=\"1f07d98\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Program kreditiranja namijenjen je <strong>subjektima privatnog sektora &#8211; trgova\u010dka dru\u0161tva, obrtnici, fizi\u010dke osobe koje samostalno obavljaju djelatnost, obiteljska poljoprivredna gospodarstva (OPG-i), zadruge i ustanove.\u00a0<\/strong><\/p><p>Kredit je namijenjen ulaganjima u:\u00a0<\/p><ul><li><strong>osnovna sredstva<\/strong> (materijalnu i nematerijalnu imovinu) s ciljem modernizacije poslovanja, uvo\u0111enja novih tehnologija, pove\u0107anja kapaciteta, ulaganja u istra\u017eivanje i razvoj i uvo\u0111enje novih proizvoda ili usluga, poticanja projekata za\u0161tite okoli\u0161a, energetske u\u010dinkovitosti i obnovljivih izvora energije, turisti\u010dkih kapaciteta i sadr\u017eaja te poticanja novog zapo\u0161ljavanja te ulaganja u obrambene aktivnosti<\/li><li><strong>obrtna sredstva najvi\u0161e do 30% ugovorenog iznosa kredita.<\/strong><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4fd0bd0 elementor-widget elementor-widget-heading\" data-id=\"4fd0bd0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Uvjeti kredita<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b26e30a elementor-widget elementor-widget-text-editor\" data-id=\"b26e30a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Najni\u017ei mogu\u0107i iznos kredita je <strong>100.000 EUR<\/strong> kod izravnog kreditiranja te <strong>50.000 EUR<\/strong> kod kreditiranja putem poslovnih banaka.<\/p><p>Kod izravnih kredita mogu\u0107e je kreditirati <strong>do 85%<\/strong> predra\u010dunske vrijednosti investicije, dok je kod kredita putem poslovnih banaka mogu\u0107e kreditirati <strong>do 100%<\/strong> predra\u010dunske vrijednosti investicije.<\/p><p>Kamatna stopa iznosi <strong>3,40 za ulaganja u posebna podru\u010dja, poljoprivrednu djelatnost, zelene projekte, digitalizaciju, RDI, socijalnu infrastrukturu, obrambene aktivnosti, za izvoznike. Kamatna stopa za ostale projekte iznosi 3,90% (uz mogu\u0107nost umanjenja).<\/strong><\/p><p>Rok kori\u0161tenja je 12 mjeseci, a rok otplate <strong>do 20 godina<\/strong> (uklju\u010duju\u0107i po\u010dek do 3 godine).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6518ced elementor-widget elementor-widget-heading\" data-id=\"6518ced\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">3. Krediti za energetsku u\u010dinkovitost poduzetnika (NOVO)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b2d95e6 elementor-widget elementor-widget-text-editor\" data-id=\"b2d95e6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Korisnici kredita su subjekti bez obzira na njihov pravni oblik, veli\u010dinu i \u00a0strukturu vlasni\u0161tva koji su najmanje godinu dana prije dana predaje zahtjeva za Kredit Financijskom posredniku registrirani za obavljanje djelatnosti iz:\u00a0\u00a0\u00a0<\/p><ul><li>podru\u010dja\u00a0<strong>proizvodne industrije<\/strong>,\u00a0u skladu s Odlukom o nacionalnoj klasifikaciji djelatnosti 2007 (NN 58\/07, 72\/07, dalje: NKD 2007) i to: <strong>podru\u010dja B, odjeljaka 05-09, podru\u010dja C, odjeljaka 10, 11, osim djelatnosti iz razreda 11.01, i odjeljaka 13 do 33, osim djelatnosti iz razreda 25.4., te podru\u010dja D, djelatnosti 35.11;\u00a0<\/strong><\/li><\/ul><ul><li><strong>komercijalnog i uslu\u017enog sektora<\/strong>,\u00a0\u00a0u skladu s NKD 2007 i to: <strong>podru\u010dja G, odjeljka 45, 46 i 47, osim djelatnosti 46.17, 46.21, 46.35, 46.39, 47.11, 47.26 i 47.81, podru\u010dja I odjeljaka 55 i 56, podru\u010dja L, djelatnosti 68.20 (ograni\u010deno isklju\u010divo na trgova\u010dke centre) te podru\u010dja N odjeljka 79 te podru\u010dja D, djelatnosti 35.12, 35.13 i 35.14.\u00a0\u00a0\u00a0\u00a0<\/strong><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d93642e elementor-widget elementor-widget-heading\" data-id=\"d93642e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Namjena kredita<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-17deea1 elementor-widget elementor-widget-text-editor\" data-id=\"17deea1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>I. Aktivnosti (mjere) povezane s ostvarenjem energetskih u\u0161teda ili kori\u0161tenjem obnovljivih izvora energije:\u00a0<\/strong><\/p><ol><li><strong>Proizvodna industrija:\u00a0<\/strong><\/li><\/ol><p>Prihvatljive su aktivnosti (mjere) energetske u\u010dinkovitosti i\/ili aktivnosti (mjere) za kori\u0161tenje obnovljivih izvora energije koje <strong>u proizvodnim pogonima<\/strong> donose <strong>smanjenje potro\u0161nje isporu\u010dene energije proizvodne industrije od minimalno 20%<\/strong> u odnosu na referentnu isporu\u010denu energiju, odnosno u odnosu na potro\u0161nju isporu\u010dene energije prije provedbe mjera.\u00a0<\/p><p>Uz mjere energetske u\u010dinkovitosti i\/ili ugradnje opreme za kori\u0161tenje obnovljivih izvora energije u proizvodnim pogonima, projekt mo\u017ee uklju\u010divati i mjere energetske obnove zgrada prate\u0107ih proizvodnom pogonu, koje su isklju\u010divo povezane s proizvodnim procesima industrijske i\/ili proizvodno-gospodarske namjene (kao \u0161to su uredske zgrade, proizvodne hale i sl). U tom slu\u010daju, podupirat \u0107e se provedba mjera energetske u\u010dinkovitosti i ugradnje opreme za kori\u0161tenje obnovljivih izvora energije koje \u0107e u zgradama dovesti do smanjenja potro\u0161nje isporu\u010dene energije za grijanje \/ hla\u0111enje od najmanje 50% u odnosu na potro\u0161nju isporu\u010dene energije prije provedbe mjera.\u00a0\u00a0<\/p><ol><li value=\"2\"><strong>Komercijalni i uslu\u017eni sektor:\u00a0\u00a0<\/strong><\/li><\/ol><p>Prihvatljive su aktivnosti (mjere) energetske u\u010dinkovitosti i\/ili aktivnosti (mjere) za kori\u0161tenje obnovljivih izvora energije koje energetski tro\u0161kovnoj cjelini donose <strong>smanjenje potro\u0161nje isporu\u010dene energije od minimalno 30%<\/strong> u odnosu na referentnu isporu\u010denu energiju odnosno u odnosu na potro\u0161nju isporu\u010dene energije prije provedbe mjera.\u00a0\u00a0<\/p><p><strong>II. Aktivnosti (mjere) koje nisu povezane s ostvarenjem energetskih u\u0161teda ili kori\u0161tenjem obnovljivih izvora energije, ali su neophodne za realizaciju investicije i\/ili se odnose na provedbu horizontalnih mjera pristupa\u010dnosti i mobilnosti do 30% iznosa Kredita.\u00a0<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8949d89 elementor-widget elementor-widget-heading\" data-id=\"8949d89\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Uvjeti kredita<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-04eead0 elementor-widget elementor-widget-text-editor\" data-id=\"04eead0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Najvi\u0161i iznos kredita je <strong>3.000.000 EUR.<\/strong><\/p><p>Krediti se odobravaju iz sredstava EFRR-a i sredstava poslovne banke u omjeru 50:50.<\/p><p>Kamatna stopa na dio glavnice kredita iz sredstava EFRR-a je <strong>0,00% godi\u0161nje<\/strong>, dok je kamatna stopa na dio glavnice iz sredstava poslovne banke <strong>u skladu s poslovnom odlukom banke.<\/strong><\/p><p>Rok kori\u0161tenja kredita je <strong>12 mjeseci.<\/strong><\/p><p>Rok otplate kredita je <strong>do 17 godina,<\/strong> uklju\u010duju\u0107i po\u010dek do 3 godine.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d3054aa elementor-widget elementor-widget-heading\" data-id=\"d3054aa\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Otpis dijela glavnice (kapitalni rabat)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f07c200 elementor-widget elementor-widget-text-editor\" data-id=\"f07c200\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Pravo na kapitalni rabat ostvaruje se po ispunjenju zadanih kriterija i mo\u017ee iznositi najvi\u0161e do 50% ukupno ispla\u0107enog iznosa glavnice kredita.<\/p><p>Primjerice, za mala i srednja poduze\u0107a, u\u0161teda isporu\u010dene energije od min 30% i min 50.000 kWh donosi otpis glavnice od 15%.<\/p><p>Kriterije za kapitalni rabat, kao i ostatak dokumentacije programa, mo\u017eete pogledati <strong><a class=\"custom-link\" href=\"https:\/\/www.hbor.hr\/krediti-za-energetsku-ucinkovitost-poduzetnika\/2451\" target=\"_blank\" rel=\"noopener\">OVDJE.<\/a><\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4749f90 elementor-widget elementor-widget-heading\" data-id=\"4749f90\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">4. Krediti za modernizaciju proizvodnje<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4e44029 elementor-widget elementor-widget-text-editor\" data-id=\"4e44029\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Korisnici kredita su poslovni subjekti privatnog sektora koji ispunjavaju sljede\u0107e kriterije:\u00a0<\/p><ul><li>mikro, mali i srednji poduzetnici<\/li><li>registrirani sukladno Nacionalnoj klasifikaciji djelatnosti 2025. (NKD 2025.) <strong>za obavljanje djelatnosti iz podru\u010dja prera\u0111iva\u010dke industrije podru\u010dja C.<\/strong><\/li><\/ul><p>Kredit je namijenjen ulaganjima u <strong>osnovna sredstva koje je povezano s &#8220;po\u010detnim ulaganjem&#8221; te obrtna sredstva najvi\u0161e do 20% ugovorenog iznosa kredita.\u00a0<\/strong><\/p><p>Prihvatljiva su ulaganja u materijalnu i nematerijalnu imovinu povezana s:\u00a0<\/p><ul><li>osnivanjem nove poslovne jedinice<\/li><li>pro\u0161irenjem kapaciteta postoje\u0107e poslovne jedinice<\/li><li>diversifikacijom proizvodnje poslovne jedinice\u00a0<\/li><li>temeljitom promjenom u sveukupnom proizvodnom procesu postoje\u0107e poslovne jedinice.\u00a0<\/li><\/ul><p><br \/>Na\u010din kreditiranja je isklju\u010divo izravno kreditiranje te se zahtjevi podnose online.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-104d8d9 elementor-widget elementor-widget-heading\" data-id=\"104d8d9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Uvjeti kredita<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7706345 elementor-widget elementor-widget-text-editor\" data-id=\"7706345\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Iznos kredita mo\u017ee biti izme\u0111u 100.000 EUR i 3.000.000 EUR.\u00a0<\/strong><\/p><p>Mogu\u0107e je kreditirati <strong>do 85%<\/strong> predra\u010dunske vrijednosti investicije bez PDV-a.<\/p><p>Kamatna stopa na dio glavnice kredita iz sredstava EFRR-a je 0%, dok se kamatna stopa na dio glavnice iz sredstava HBOR-a utvr\u0111uje zasebno za svaki pojedini kredit.<\/p><p>Rok kori\u0161tenja je 12 mjeseci, a rok otplate je <strong>do 15 godina<\/strong> (uklju\u010duju\u0107i po\u010dek do 3 godine).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-66eb370 elementor-widget elementor-widget-heading\" data-id=\"66eb370\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Otpis dijela glavnice (kapitalni rabat)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a47fd12 elementor-widget elementor-widget-text-editor\" data-id=\"a47fd12\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Korisnik mo\u017ee ostvariti pravo na kapitalni rabat u iznosu do 50% ukupno ispla\u0107enog iznosa glavnice kredita.<\/strong><\/p><p>Detaljni opis kriterija za kapitalni rabat pro\u010ditajte <strong><a class=\"custom-link\" href=\"https:\/\/www.hbor.hr\/UserDocsImages\/1%20RAZVOJ%20PROIZVODA%20od%202023\/Prilog%202%20Kriteriji%20za%20kapitalni%20rabat_KMP.pdf?vel=131817\" target=\"_blank\" rel=\"noopener\">OVDJE.<\/a><\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bbfc61a elementor-widget elementor-widget-text-editor\" data-id=\"bbfc61a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Detaljan pregled svih dostupnih programa mo\u017eete pogledati <strong><a class=\"custom-link\" href=\"https:\/\/www.hbor.hr\/krediti-2249\/2249\" target=\"_blank\" rel=\"noopener\">OVDJE.<\/a><\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-db298f9 elementor-widget elementor-widget-heading\" data-id=\"db298f9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Kako do kredita? <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2792217 elementor-widget elementor-widget-text-editor\" data-id=\"2792217\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Ovisno o \u017eeljenom programu kreditiranja, prolazimo s vama uvjete prihvatljivosti vas kao korisnika kredita, zajedno radimo na definiranju ulaganja te <strong>pristupamo izradi cjelokupnog zahtjeva za zajam,<\/strong> uklju\u010duju\u0107i poslovni plan prema HBOR-ovom obrascu i svu propisanu dokumentaciju.\u00a0<\/p><p>Usluga obuhva\u0107a:\u00a0<\/p><p>\u2713 Besplatne i neobvezuju\u0107e konzultacije \u2013 razgovor o poslovnoj ideji, savjeti<\/p><p>\u2713 Izradu kompletnog zahtjeva za kredit, uklju\u010duju\u0107i poslovni plan prema HBOR obrascu<\/p><p>\u2713 Komunikaciju s HBOR-om te slanje izmjena\/dopuna<\/p><p>\u2713 Pra\u0107enje kori\u0161tenja sredstava te izradu izvje\u0161taja i namjenskom kori\u0161tenju<\/p><p>\u2713 Podr\u0161ku kroz cjelokupni proces<\/p><p>Zajedno pretvaramo va\u0161u ideju u projekt vrijedan financiranja. <strong>Javite se jo\u0161 danas &#8211; konzultacije su neobvezuju\u0107e i besplatne.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ac88d92 elementor-widget elementor-widget-text-editor\" data-id=\"ac88d92\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Za vi\u0161e informacija o pojedinom programu ili uslugu izrade zahtjeva s poslovnim planom<\/strong> kontaktirajte nas na <strong><a class=\"custom-link\" href=\"tel:+385916038394\">091\/603 8394<\/a><\/strong> (Dajana) ili putem<strong> <a class=\"custom-link\" href=\"mailto:info@lot-consulting.hr\">maila<\/a>.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f80923d e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"f80923d\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-5ea5bae1 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"5ea5bae1\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5bbc0ebc elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"5bbc0ebc\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Imate pitanje? Po\u0161aljite upit ili rezervirajte termin za besplatne i neobvezuju\u0107e konzultacije!<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-692ea7a6 elementor-widget elementor-widget-button\" data-id=\"692ea7a6\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/lot-consulting.hr\/#kontakt\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Po\u0161alji upit<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-68b743c elementor-section-full_width elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"68b743c\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;none&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-421f7f45\" data-id=\"421f7f45\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-6e096003 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"6e096003\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-56034192 elementor-hidden-mobile\" data-id=\"56034192\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5dc3e566 elementor-hidden-tablet wpr-logo-position-center elementor-widget elementor-widget-wpr-logo\" data-id=\"5dc3e566\" data-element_type=\"widget\" data-widget_type=\"wpr-logo.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\n\t\t\t<div class=\"wpr-logo elementor-clearfix\">\n\n\t\t\t\t\t\t\t\t<picture class=\"wpr-logo-image\">\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/lot-consulting.hr\/wp-content\/uploads\/2025\/02\/cropped-cropped-LOGO1.png\" alt=\"\">\n\n\t\t\t\t\t\t\t\t\t\t\t<a class=\"wpr-logo-url\" rel=\"home\" aria-label=\"\" href=\"https:\/\/lot-consulting.hr\/\"><\/a>\n\t\t\t\t\t\t\t\t\t<\/picture>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<a class=\"wpr-logo-url\" rel=\"home\" aria-label=\"\" href=\"https:\/\/lot-consulting.hr\/\"><\/a>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-33f06593\" data-id=\"33f06593\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6c21d44c elementor-widget elementor-widget-heading\" data-id=\"6c21d44c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Kontakt<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-516361d0 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"516361d0\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ccb4bbb elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"3ccb4bbb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>LOT, obrt za poslovno savjetovanje i digitalne usluge,&nbsp;vl. Dajana Pranji\u0107&nbsp;<br><span style=\"font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-size: var( --e-global-typography-text-font-size ); font-weight: var( --e-global-typography-text-font-weight );\">OIB: 44785801349<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-667e72d9 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"667e72d9\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-phone-alt\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M497.39 361.8l-112-48a24 24 0 0 0-28 6.9l-49.6 60.6A370.66 370.66 0 0 1 130.6 204.11l60.6-49.6a23.94 23.94 0 0 0 6.9-28l-48-112A24.16 24.16 0 0 0 122.6.61l-104 24A24 24 0 0 0 0 48c0 256.5 207.9 464 464 464a24 24 0 0 0 23.4-18.6l24-104a24.29 24.29 0 0 0-14.01-27.6z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">091\/603 8394<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-53e8fd6d elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"53e8fd6d\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewBox=\"0 0 18 18\" fill=\"none\"><path d=\"M3 15C2.5875 15 2.23438 14.8531 1.94063 14.5594C1.64688 14.2656 1.5 13.9125 1.5 13.5V4.5C1.5 4.0875 1.64688 3.73438 1.94063 3.44063C2.23438 3.14688 2.5875 3 3 3H15C15.4125 3 15.7656 3.14688 16.0594 3.44063C16.3531 3.73438 16.5 4.0875 16.5 4.5V13.5C16.5 13.9125 16.3531 14.2656 16.0594 14.5594C15.7656 14.8531 15.4125 15 15 15H3ZM9 9.75L3 6V13.5H15V6L9 9.75ZM9 8.25L15 4.5H3L9 8.25ZM3 6V4.5V13.5V6Z\" fill=\"white\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">info@lot-consulting.hr<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dace1ef elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"dace1ef\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewBox=\"0 0 18 18\" fill=\"none\"><path d=\"M9 16.5C8.825 16.5 8.675 16.45 8.55 16.35C8.425 16.25 8.33125 16.1187 8.26875 15.9562C8.03125 15.2562 7.73125 14.6 7.36875 13.9875C7.01875 13.375 6.525 12.6562 5.8875 11.8312C5.25 11.0062 4.73125 10.2188 4.33125 9.46875C3.94375 8.71875 3.75 7.8125 3.75 6.75C3.75 5.2875 4.25625 4.05 5.26875 3.0375C6.29375 2.0125 7.5375 1.5 9 1.5C10.4625 1.5 11.7 2.0125 12.7125 3.0375C13.7375 4.05 14.25 5.2875 14.25 6.75C14.25 7.8875 14.0313 8.8375 13.5938 9.6C13.1688 10.35 12.675 11.0937 12.1125 11.8312C11.4375 12.7312 10.925 13.4812 10.575 14.0812C10.2375 14.6687 9.95625 15.2937 9.73125 15.9562C9.66875 16.1312 9.56875 16.2688 9.43125 16.3688C9.30625 16.4563 9.1625 16.5 9 16.5ZM9 8.625C9.525 8.625 9.96875 8.44375 10.3312 8.08125C10.6937 7.71875 10.875 7.275 10.875 6.75C10.875 6.225 10.6937 5.78125 10.3312 5.41875C9.96875 5.05625 9.525 4.875 9 4.875C8.475 4.875 8.03125 5.05625 7.66875 5.41875C7.30625 5.78125 7.125 6.225 7.125 6.75C7.125 7.275 7.30625 7.71875 7.66875 8.08125C8.03125 8.44375 8.475 8.625 9 8.625Z\" fill=\"white\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Josipa Kozarca 15, \u010cakovec<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-7f1f0b8e elementor-hidden-mobile\" data-id=\"7f1f0b8e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7a03b2d4 elementor-widget elementor-widget-heading\" data-id=\"7a03b2d4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Brze poveznice<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-51b6db9e elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"51b6db9e\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c3eda99 elementor-widget elementor-widget-heading\" data-id=\"7c3eda99\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\"><a href=\"#natjecaji\">Natje\u010daji<\/a><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-412eb6bf elementor-widget elementor-widget-heading\" data-id=\"412eb6bf\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\"><a href=\"#usluge\">Usluge<\/a><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3818fac0 elementor-widget elementor-widget-heading\" data-id=\"3818fac0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/lot-consulting.hr\/?page_id=678\">Blog<\/a><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c02c640 elementor-widget elementor-widget-heading\" data-id=\"7c02c640\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/lot-consulting.hr\/?page_id=675\">Savjeti<\/a><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a4a56ed elementor-widget elementor-widget-heading\" data-id=\"1a4a56ed\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/lot-consulting.hr\/?page_id=2384\">Pravila privatnosti<\/a><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-68f75d18\" data-id=\"68f75d18\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-695aee3a elementor-widget elementor-widget-heading\" data-id=\"695aee3a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pratite nas<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-38d611d7 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"38d611d7\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ba4a856 e-grid-align-left elementor-shape-rounded elementor-grid-0 elementor-widget elementor-widget-social-icons\" data-id=\"ba4a856\" data-element_type=\"widget\" data-widget_type=\"social-icons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-social-icons-wrapper elementor-grid\">\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-facebook-f elementor-animation-grow elementor-repeater-item-abcf327\" href=\"https:\/\/www.facebook.com\/lotobrt\/?locale=hr_HR\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Facebook-f<\/span>\n\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-facebook-f\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M279.14 288l14.22-92.66h-88.91v-60.13c0-25.35 12.42-50.06 52.24-50.06h40.42V6.26S260.43 0 225.36 0c-73.22 0-121.08 44.38-121.08 124.72v70.62H22.89V288h81.39v224h100.17V288z\"><\/path><\/svg>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-675283b1 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"675283b1\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-54605657 elementor-widget elementor-widget-text-editor\" data-id=\"54605657\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Izrada: LOT \/ \u00a9 2025 LOT\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Donosimo pregled najtra\u017eenijih HBOR-ovih programa kreditiranja.<\/p>\n","protected":false},"author":1,"featured_media":2524,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[16],"tags":[21],"class_list":["post-3863","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-msp","tag-hbor-krediti"],"acf":[],"_links":{"self":[{"href":"https:\/\/lot-consulting.hr\/index.php?rest_route=\/wp\/v2\/posts\/3863","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lot-consulting.hr\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lot-consulting.hr\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/lot-consulting.hr\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/lot-consulting.hr\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=3863"}],"version-history":[{"count":22,"href":"https:\/\/lot-consulting.hr\/index.php?rest_route=\/wp\/v2\/posts\/3863\/revisions"}],"predecessor-version":[{"id":3900,"href":"https:\/\/lot-consulting.hr\/index.php?rest_route=\/wp\/v2\/posts\/3863\/revisions\/3900"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lot-consulting.hr\/index.php?rest_route=\/wp\/v2\/media\/2524"}],"wp:attachment":[{"href":"https:\/\/lot-consulting.hr\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=3863"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lot-consulting.hr\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=3863"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lot-consulting.hr\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=3863"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}