Ponte II Programme

• Related Products

Characteristics of loans from the PONTE II Programme:

• for financing of projects supported from the EU funds
• two basic types of loan:
  • a loan for pre-financing a project subsidised by the EU
  • a standard loan for co-financing of a project
• loan for pre-financing a project subsidised by the EU:
  • a short-term to medium-term loan
  • for resolution of a time discrepancy between the need to pay for project expenses and drawing on a grant from the EU funds
  • this especially includes the following types of loan:
    • municipal revolving loan
    • municipal loan
  • the loan is provided in CZK and in justifiable cases also in foreign currency (most frequently in EUR)
  • variable interest rate
  • repayment of interest:
    • monthly or quarterly
    • on the dates as agreed in the loan contract
  • the principal is especially repaid from a grant drawn on from the EU funds or from the client's own resources
• standard loan for co-financing a project
  • a medium term to long-term loan
  • for financing those project expenses, which are not covered by the grant from the EU funds
  • this includes:
    • municipal loan
    • municipal loan over 10 years
  • the loan is provided in CZK and in foreign currency:
  • fixed and variable interest rate
  • repayment of interest:
    • monthly or quarterly
    • on the dates as agreed in the loan contract
  • the principal is repaid according to the repayment schedule contractually determined between the client and KB
• both basic types of loan can be drawn on:
  • in a one-off manner or gradually
  • for direct payments to the account of a supplier or seller on the basis of documents submitted
  • in justified cases, funds can also be transferred to the client's current account
• the prices of loans are governed by the Komerční banka Price list
• standard security instruments are used as security with a view to the type of project and nature of the loan

Advantages of loans from the PONTE II Programme:

• the offer of products by Komerční banka corresponds to the needs of applicants for grants from the EU funds
• the time and material cohesion of the activities of KB and state institutions – this allows for the same set of documents to be submitted to both entities

Loans from the PONTE II Programme allow you to:

• resolve time discrepancies between settlement of costs and drawing on grants
• finance expenses not covered by grants from the EU funds

Requirements for a loan from the PONTE II Programme:

• loan application including appendices

Municipalities (cities, municipalities, regions or clusters of municipalities)

• report for fulfilment of the budget for regionally autonomous units and voluntary clusters of municipalities for the past year (report Fin 2-12M)
• current interim report on fulfilment of the budget
• budget for the current year approved by the municipal council 
• balance sheet for regionally autonomous units for the past year
• appendix to the final accounts for regionally autonomous units for the past year
• certified minutes of the meeting of the municipal council with approved decision on acceptance of the loan or as the case may be, its security
• summary of liabilities of the regionally autonomous unit towards banks and other entities and the off-balance sheet liabilities including repayment calendars
• budget forecast for future years
• investment forecast for future years
• form for Calculation of the debt service indicator pursuant to Government decision no. 346/2004
• contract on association in the case of clusters of municipalities
• declaration on ownership of assets and liabilities – KB form
• ownership relations, property shares – KB form
• documents for securing the loan according to the character of the security instrument (acquisition title, insurance contract etc.)
• affidavit from the client stating that he or she has no overdue liabilities towards the pertinent tax office, pertinent social security office, pertinent health insurance company, pertinent municipality or as the case may be, towards the pertinent customs office (if the client is an importer); the affidavit must include provisions stating that the client has not arranged a repayment calendar with any of these institutions for settlement of overdue liabilities (Affidavits are part of the Loan application form)
• project including feasibility study, if this is required for negotiation of the application for provision of a grant
• building permission
• decision on approval of the project
• contract for work
• decision on provision of the grant

Contributory organisations established by municipalities

• balance sheet of the contributory organisations for the past year
• profit and loss statement for the past year
• current profit and loss statement
• appendix to the final accounts of the contributory organisations for the past year
• other documents required for municipalities

Corporate entities founded by municipalities

• financial statements for the past year
• current profit and loss statements and balance sheet
• other documents required for municipalities

How to get a loan from the PONTE II Programme?

• contact your relationship manager
• call the free KB Info line on 800 900 930

Related information:

• Detailed information about KB EU POINT

Related Products

• KB EU Point
• Municipality Package
• Municipal Loan in Excess of 10 Years in CZK
• Municipal Loan in CZK or a Foreign Currency
• Municipal Revolving Loan in CZK or a Foreign Currency