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  • Sihtasutus KredEx - Avaleht
    tagasiside eest EST RUS ENG Otsi E teenindus Laen ja käendus Krediidikindlustus Riskikapital Toetus Ettevõte Korteriühistu Eraisik Energiatõhusus KredEx Kontaktid KredEx aitab parandada Eesti ettevõtete rahastamisvõimalusi maandab krediidiriske ja võimaldab inimestel rajada või renoveerida oma kodu KredEx aitab ettevõtetel kiiremini areneda ja turvaliselt välisturgudele laieneda pakkudes laene riskikapitali krediidikindlustust ja riigi garantiiga tagatisi Aitame parandada inimeste elamistingimusi pakkudes kodu soetamiseks riigi garantiiga laenutagatisi ning energiatõhususele suunatud lahenduste teostamiseks laenu tagatisi ja toetusi Krediidikindlustus annab kindlustunde Krediidikindlustus aitab ettevõttel riske maandada ja julgemalt uutele ostjatele ja turgudele müüa Vaata siit mis on krediidikindlustus ja kuidas seda oma ettevõtte riskide maandamiseks kasutada Stardilaen aitab alustada KredExi käendusega stardilaen aitab alustaval ja kuni kolm aastat tegutsenud ettevõtjal rahastada investeeringuid ja käibevahendeid Vaata siit mis on stardilaen ja kuidas seda oma ettevõtte loomisel rakendada Laenukäendus aitab areneda Laenukäendus aitab kui ettevõte soovib kasutada pangalaenu kuid selle väljastamiseks puuduvad piisavad tagastised või tegutsemisajalugu Vaata siit mis on laenukäendus ja kuidas seda oma ettevõtte arendamisel kasutada Eluasemelaenu käendusega uus kodu Eluasemelaenu käendus aitab noortel peredel ja spetsialistidel renoveerida olemasolevat või soetada uut kodu Vaata siit mis on eluasemelaenu käendus ja kuidas see Sind uue kodu soetamisel aitab Korterelamulaenu käendus tõstab elukvaliteeti Laenukäendus aitab korteriühistuid kes soovivad elamu renoveerimiseks kasutada pangalaenu ja vajavad selleks lisatagatist Vaata mis on korterelamu laenukäendus ja kuidas see aitab kaasa Sinu elukeskkonna parandamisele Uudised 11 12 2013 Elektriautode renditeenus kogub populaarsust Alates 1 jaanuarist täismahus käivituv ELMO renditeenus muudab elektriautode proovimise senisest veelgi mugavamaks ning soodsamaks Lisatud on mitmeid uusi rendipunkte ning väikeauto Mitsubishi i MiEV rentimise esimene tund hakkab uuest aastast maksma senise kuue euro asemel poole vähem ehk kolm eurot Tänavu juulikuus alustas KredEx Tallinnas ja Tartus ELMO Rendi 06 12 2013 KredEx Krediidikindlustus ja Citadele sõlmisid koostöölepingu KredEx Krediidikindlustus AS ja Citadele Leasing Factoring OÜ allkirjastasid täna koostöölepingu mis

    Original URL path: http://www.kredex.ee/ (2013-12-14)
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  • Sihtasutus KredEx - Avaleht
    tagasiside eest EST RUS ENG Otsi E teenindus Laen ja käendus Krediidikindlustus Riskikapital Toetus Ettevõte Korteriühistu Eraisik Energiatõhusus KredEx Kontaktid KredEx aitab parandada Eesti ettevõtete rahastamisvõimalusi maandab krediidiriske ja võimaldab inimestel rajada või renoveerida oma kodu KredEx aitab ettevõtetel kiiremini areneda ja turvaliselt välisturgudele laieneda pakkudes laene riskikapitali krediidikindlustust ja riigi garantiiga tagatisi Aitame parandada inimeste elamistingimusi pakkudes kodu soetamiseks riigi garantiiga laenutagatisi ning energiatõhususele suunatud lahenduste teostamiseks laenu tagatisi ja toetusi Krediidikindlustus annab kindlustunde Krediidikindlustus aitab ettevõttel riske maandada ja julgemalt uutele ostjatele ja turgudele müüa Vaata siit mis on krediidikindlustus ja kuidas seda oma ettevõtte riskide maandamiseks kasutada Stardilaen aitab alustada KredExi käendusega stardilaen aitab alustaval ja kuni kolm aastat tegutsenud ettevõtjal rahastada investeeringuid ja käibevahendeid Vaata siit mis on stardilaen ja kuidas seda oma ettevõtte loomisel rakendada Laenukäendus aitab areneda Laenukäendus aitab kui ettevõte soovib kasutada pangalaenu kuid selle väljastamiseks puuduvad piisavad tagastised või tegutsemisajalugu Vaata siit mis on laenukäendus ja kuidas seda oma ettevõtte arendamisel kasutada Eluasemelaenu käendusega uus kodu Eluasemelaenu käendus aitab noortel peredel ja spetsialistidel renoveerida olemasolevat või soetada uut kodu Vaata siit mis on eluasemelaenu käendus ja kuidas see Sind uue kodu soetamisel aitab Korterelamulaenu käendus tõstab elukvaliteeti Laenukäendus aitab korteriühistuid kes soovivad elamu renoveerimiseks kasutada pangalaenu ja vajavad selleks lisatagatist Vaata mis on korterelamu laenukäendus ja kuidas see aitab kaasa Sinu elukeskkonna parandamisele Uudised 11 12 2013 Elektriautode renditeenus kogub populaarsust Alates 1 jaanuarist täismahus käivituv ELMO renditeenus muudab elektriautode proovimise senisest veelgi mugavamaks ning soodsamaks Lisatud on mitmeid uusi rendipunkte ning väikeauto Mitsubishi i MiEV rentimise esimene tund hakkab uuest aastast maksma senise kuue euro asemel poole vähem ehk kolm eurot Tänavu juulikuus alustas KredEx Tallinnas ja Tartus ELMO Rendi 06 12 2013 KredEx Krediidikindlustus ja Citadele sõlmisid koostöölepingu KredEx Krediidikindlustus AS ja Citadele Leasing Factoring OÜ allkirjastasid täna koostöölepingu mis

    Original URL path: http://www.kredex.ee/et/ (2013-12-14)
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  • Sihtasutus KredEx - Главная страница
    lahtrid peavad olema täidetud Täname tagasiside eest EST RUS ENG Search Э обслуживание Кредит и поручительство Кредитное страхование Рисковый капитал Пособие Предприятие Квартирное товарищество Частное лицо Энерго сбережения KredEx Контакт KredEx помогает улучшать возможности финансирования предприятий Эстонии и устраняет кредитные риски KredEx помогает предприятием быстрее развиваться и увереннее выходить на внешние рынки предлагая для этих целей кредиты рисковый капитал кредитное страхование и поручительства с государственной гарантией Стартовый кредит поможет начать своё дело Стартовый кредит с поручительством KredEx поможет начинающему и действующему не более трёх лет предприятию финансировать инвестиции и оборотные средства Посмотрите здесь что такое стартовый кредит и как применить его при создании своего предприятия Кредитное поручительство способствует развитию Кредитное поручительство поможет квартирным товариществам которые хотят воспользоваться банковским кредитом для реновации жилого дома и нуждаются для этого в дополнительной гарантии Посмотрите здесь что такое кредитное поручительство для квартирного дома и как оно поможет улучшить Ваши жилищные условия Новый дом благодаря поручительству по жилищному кредиту Поручительство по жилищному кредиту поможет молодым семьям и специалистам отремонтировать существующее или приобрести новое жильё Посмотрите здесь что такое поручительство по жилищному кредиту и как оно поможет Вам в приобретении нового жилья Кредитное страхование даёт чувство уверенности Кредитное страхование помогает предприятию устранять риски смелее работать с новыми покупателями и выходить на новые рынки Посмотрите здесь что такое кредитное страхование и как воспользоваться им для устранения рисков своего предприятия News 21 11 2013 KredEx начинает финансировать экспортные сделки KredEx начинает выдавать кредиты предприятиям которым необходима помощь в финансировании экспортных сделок большого объема произведенных в Эстонии товаров Экспортный кредит позволяет предприятию 08 11 2013 Гуру недвижимости 2013 целевое учреждение KredEx 8 ноября на проходящей в двенадцатый раз международной конференции 01 08 2013 Изменились условия предоставления поручительства KredEx по жилищному кредиту Начиная с четверга 1 августа изменяются условия предоставления 11 07 2013 В рамках программы электромобильности ELMO всех желающих

    Original URL path: http://www.kredex.ee/ru/ (2013-12-14)
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  • Sihtasutus KredEx - Home
    homes as well as loans guarantees and grants for solutions aimed at energy efficiency Credit insurance provides a feeling of security Credit insurance helps companies manage risks and sell to new buyers and markets with greater courage Look here for details about credit insurance and how to use it to manage the risks of one s company Start up loan helps to begin Start up loan with KredEx guarantee helps starting enterprises and those having operated for up to three years finance their investments and operating capital Look here for details about Start up loan and how to use it to start a company Business loan guarantee helps to develop Loan guarantee helps if a company wishes to use a bank loan but lacks sufficient guarantees or operating history Look here for details about loan guarantee and how to use it for the development of a company A new home with housing loan guarantee Housing loan guarantee helps young families and specialists renovate the existing or acquire a new home Look here for details about housing loan guarantee and how it helps you acquire a new home Apartment loan guarantee increases the quality of life Loan guarantee helps apartment associations planning to use a bank loan for renovation of the apartment building and need an additional guarantee for that Look here for details about apartment building loan guarantee and how it helps to improve your living environment News 21 11 2013 KredEx will start to finance export transactions KredEx will start issuing loans to companies also wishing to offer financing under large scale export transactions of goods produced in Estonia The export loan enables companies to offer a long payment term to a foreign buyer and finance the production of the goods sold to a foreign buyer if necessary A

    Original URL path: http://www.kredex.ee/en/ (2013-12-14)
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  • Sihtasutus KredEx - Home
    sellised tingimused õiguslik regulatsioon institutsionaalne 2012 06 07 18 39 00 Statistika ja uuringud TTÜ uute korterelamute uuring 2012 Madalenergia ja liginullenergiahoone kavandamine Juhend büroo ja avalike hoonete tellijale 2012 Madalenergia ja liginullenergiahoone kavandamine Juhend korterelamute 2012 06 07 18 38 00 Energiaaudiitorid Energiaaudiitori ja energiamärgise väljastaja kutsestandard Hoonete energiaauditeid tegevad ettevõtjad Majandustegevuse register seisuga 20 01 2012 1kelvin OÜ Lõõtsa 2012 06 07 18 30 00 Hoone energiamärgis Energiamärgise rakendamise kohustus EL liikmesriikides sai alguse 2002 aastal Euroopa Parlamendi ja Nõukogu poolt vastu võetud ehitiste energiatõhususe direktiiviga EPBD Hoone energiamärgis on dokument mille 2012 06 07 18 28 00 Energiaaudiitorid Energiaaudiitori ja energiamärgise väljastaja kutsestandard Hoonete energiaauditeid tegevad ettevõtjad Majandustegevuse register seisuga 20 01 2012 1kelvin OÜ Lõõtsa 2012 06 07 18 27 00 Energiaauditite miinimumnõuded I Energiaauditi teostamisel lähtutakse järgmistest põhimõtetest 1 Auditeerimine baseerub mõõdistamistel ja kogutud andmetel 2 Üksikpindalad leitakse täpsusega 5 pluss miinus viis 2012 06 07 18 24 00 Energiaaudit ja kraadpäevad Kui leiad et võrreldes naabermajaga on sinu korterelamus suured küttekulud suur vee tarbimine elektrienergiat peaks kuidagi säästma Või palju energiasäästu annab hoone renoveerimine tuleks alustada 2012 06 07 18 24 00 Miks tellida energiaaudit ja mida see sisaldab Energiaaudit on protseduur mis selgitab kuidas kasutatakse energiat millised on võimalikud energiasäästumeetmed ja kuidas saab auditiobjektil energiat säästlikumalt kasutada Energiaaudit annab ülevaate 2012 06 07 18 03 00 Supervisory Board 2012 06 07 18 03 00 Nõukogu Marika Priske nõukogu esimees Majandus ja Kommunikatsiooniministeeriumi kantsler Siim Raie nõukogu aseesimees Vabariigi 2012 06 07 18 01 00 Management Board 2012 06 07 17 56 00 Bureau 2012 06 07 17 51 00 Risk Management Department 2012 06 07 17 45 00 Finance and IT Department 2012 06 07 17 30 00 KredEx Credit Incurance Ltd 2012 06 07 17 11 00 Housing and Energy Efficiency Division 2012 06 07 16 50 00 KredEx Credit Insurance Ltd KredEx Credit Insurance is a state owned insurance company helping Estonian companies manage credit risks connected both with export and domestic sales A wider goal of the activities of KredEx Credit Insurance is to 2012 06 07 02 08 00 Kellele sobib lasterikaste perede toetus Toetus on mõeldud peredele kus kasvab vähemalt neli kuni 19 aastast k a last ning kelle keskmine maksustatav tulu on 2 viimase kalendriaasta tuludeklaratsiooni põhjal leibkonna ühe liikme kohta kuni 300 eurot 2012 06 07 02 07 00 Vajalikud dokumendid ja lisamaterjalid DokumendidTaotluse vorm doc pdf Ehitustööde eelarve vorm Soovitava eluaseme kirjeldus Väljamaksetaotlus pangalaenu tagasimaksmine Väljamaksetaotlus renoveerimine ehitamine Väljamaksetaotlus korteri 2012 06 07 02 06 00 Kuidas taotleda Kodutoetuse taotlemine menetlemine ja eraldamine toimub vastavalt majandus ja kommunikatsiooniministri poolt kinnitatud juhendile Toetuste taotlemine toimub taotlusvoorudena 2012 aastal eraldati lasterikaste perede 2012 06 07 02 05 00 For whom is housing loan guarantee suitable Housing loan guarantee is designed for people wishing to take a loan for the purchase of new living premises or renovation of the existing ones and decrease the downpayment obligation With the help of housing loan 2012 06 07 02 03 00 What are the main requirements to an applicant At least one of the loan applicants wishing to use the housing loan guarantee of KredEx shall belong into one of the below target groups Target group of young family A young family is a parent or parents raising a 2012 06 07 02 02 00 How to apply To apply for housing loan guarantee it is necessary to contact a bank that organises the obtaining of the guarantee and subsequent reporting Banks issuing housing loan guarantee Citadele Pank Danske Bank 2012 06 07 02 02 00 What are the terms for housing loan guarantee self financing at least 10 of the value of the loan guarantee propertyloan guarantee amount is up to 24 of the value of the loan guarantee property but not more than 20 00 eurosthere is no limit to the loan 2012 06 07 01 59 00 Kellele tagastatud korterelamute renoveerimistoetus sobib Toetust saavad taotleda omandireformi käigus õigusjärgsele subjektile tagastatud korterelamute füüsilistest isikutest omanikud nimetatud elamutes moodustatud korteriühistud või neis asuvad korteriomanike 2012 06 07 01 58 00 Vajalikud dokumendid Taotlus Rekonstrueerimistööde väljamakse taotlus 2012 06 07 01 58 00 Millised on peamised nõuded toetavatele töödele Toetamisele kuuluvad rekonstrueerimis või renoveerimistööd mis on teostatud alates 2007 aastast Toetust taotleva korterelamu kohta peab olema teostatud kas aastatel 2003 2006 koostatud tehnilise 2012 06 07 01 57 00 Kuidas toetust taotleda Toetuse taotlemiseks tuleb esitada KredExile tähitud kirjana Eesti Posti vahendusel vastaval vormil rekonstrueerimistööde toetuse taotlus koos alljärgnevalt loetletud dokumentide koopiatega ehitusprojekti 2012 06 07 01 56 00 For whom is the energy audit building design and expert evaluation grant suitable The grant is suitable for apartment and building associations or communities of apartment owners who wish to apply for a grant for energy audits and expert evaluations of buildings as well as drafting of building 2012 06 07 01 55 00 What are the main terms the grant is available for apartment associations formed in apartment buildings building associations or communities of apartment owners in thosethe grant terms have been established with a regulation of the Minister 2012 06 07 01 54 00 How to apply for the energy audit building design and expert evaluation grant To apply for the grant an electronic application with a digital signature shall be sent to the following e mail address toetused a kredex ee subject energy audit or by registered mail through Eesti Post 2012 06 07 01 50 00 What are the main terms up to 75 of the loan amountthe guarantee amount decreases proportionally to the loan amountguarantee fee 1 2 1 7 of the guarantee balance per yearin the event of a payment difficulty the loan recipient may submit 2012 06 07 01 43 00 For whom is reconstruction grant suitable The grant is designed for associations and communities wishing to reconstruct their apartment buildings as completely as possible The grant may be combined with the renovation loan of KredEx to decrease the share of 2012 06 07 01 42 00 For whom is loan guarantee suitable Loan guarantee is suitable for apartment buildings that wish to take a loan from a bank to finance renovation and work connected with increasing of the quality of life of inhabitants but whose risk is evaluated 2012 06 07 01 40 00 What are the main requirements to an applicant the loan recipient is an apartment or building association or apartment owners participating in a community or apartment owners in the event of a community of apartment owners the loan recipients may be represented 2012 06 07 01 39 00 How to apply for the loan guarantee To apply for a loan guarantee it is necessary to contact a bank More detailed information regarding apartment building loan guarantee is available from a customer account manager of KredEx Banks issuing apartment 2012 06 07 01 29 00 For whom is renovation loan suitable Renovation loan is designed for the reconstruction and improvement of energy efficiency of apartment buildings constructed before 1993 Renovation loan can be applied for by apartment associations building 2012 06 07 01 28 00 What are the main terms achievement of energy saving of at lest 20 in apartment buildings of 2000 m² closed net area achievement of energy saving of at least 30 in apartment buildings of over 2000 m²loan period up to 20 2012 06 07 01 26 00 How to apply the renovation loan To apply for the loan please contact SEB or Swedbank Upon the application for loan the following documents need to be submitted energy auditannex to the energy audit regarding the obtainable energy saving on a 2012 06 07 01 19 00 What are the main terms it is possible to apply for the grant in the amount of 15 25 and 35 of the total cost of the construction work depending on the level of integration in reconstruction of apartment buildings the grant can be 2012 06 07 01 17 00 How to apply for the reconstruction grant To apply for the grant a relevant application shall be submitted to the bank issuing the renovation loan with an application for renovation loan If an applicant has sufficient self financing for the construction 2012 06 07 01 08 00 Additional information Terms of credit insurance 2012 06 07 01 07 00 Additional information Terms of credit insurance 2012 06 07 01 07 00 Additional information Terms of credit insurance 2012 06 07 01 06 00 Additional information Terms of credit insurance 2012 06 07 01 03 00 Lisainfo Krediidikindlustuse mõisted 2012 06 07 01 01 00 Terms of credit insurance Insurance event An insurance event is an event agreed upon in an insurance agreement upon the occurrence of which the insured credit shall be deemed uncollectable and the policy holder shall have a right to apply 2012 06 07 00 57 00 For whom is investment insurance suitable Investment insurance is suitable for exporting enterprises and banks financing those wanting to protect direct investments into foreign countries from political risks By the insurance it is possible to insure direct 2012 06 07 00 56 00 What are the most important terms Policy holder an entrepreneur entered into the Estonian commercial registerInsured risk political risk connected with making of the investmentTransaction based serviceInvestment country not restricted excluding 2012 06 07 00 55 00 How to apply for the insurance For conclusion of an insurance contract a contract application shall be filled out and sent to our customer account manager before making an investment The insurance providerinsurer analyses the country of 2012 06 07 00 54 00 For whom is production risk insurance suitable Production risk insurance is designed for an enterprise wishing to insure itself against possible insolvency of buyers during a production period Production risk insurance covers the expenses connected with the 2012 06 07 00 53 00 Necessary documents and additional material Production risk insurance application form 2012 06 07 00 53 00 What are the most important terms Policy holder an Estonian entrepreneur entered into the Estonian commercial registerInsured risk insolvency of buyer due to a commercial or political riskBuyers legal personsBuyer s country of location not 2012 06 07 00 52 00 How to apply for the insurance For the conclusion of an insurance contract an insurance contract application shall be filled out before the conclusion of the contract and starting production and sent to our customer account manager The insurance 2012 06 07 00 51 00 For whom is buyer s credit insurance suitable When a foreign buyer borrows from a bank to pay for the exported goods that bank may require insurance cover against insolvency of the buyer Such buyer s credit insurance often lowers financing costs and enables 2012 06 07 00 50 00 What are the most important terms Policy holder a financing institution financing an Estonian export transactionInsured risk insolvency of buyer due to a commercial or political riskBuyer a legal personBuyer s country of location generally not 2012 06 07 00 49 00 How to apply for the insurance Please fill out an application and send to us for review 2012 06 07 00 49 00 Necessary documents and additional material Buyer s credit insurance application form 2012 06 07 00 48 00 For whom is supplier credit insurance suitable Supplier credit insurance is suitable for exporters of capital and durable goods who would like to provide longer payment term to their buyers Insurance would cover possible payment difficulties of buyers Supplier 2012 06 07 00 47 00 Necessary documents and additional material Supplier credit insurance application form 2012 06 07 00 47 00 What are the most important terms Policy holder Estonian exporterInsured risk insolvency of buyer due to a commercial or political riskBuyer s country of location not restricted excludesEstoniaThe service is related to a particular buyer and 2012 06 07 00 46 00 For whom is credit insurance of short term transactions suitable Short term credit insurance is suitable for companies selling goods or services with payment periods up to 360 days and protects against possible payment difficulties of Your buyers Short term credit insurance is 2012 06 07 00 46 00 How to apply for the insurance To apply an application form shall be filled out and sent to us before the delivery of the goods We will review the credit capability of the buyer and when acceptable insurance cover is provided 2012 06 07 00 45 00 What are the most important terms Policy holder Companies registered in EstoniaInsured risk buyer s insolvency due to a commercial or political riskBuyers legal entitiesBuyer s country of location not restricted including EstoniaPayment term 2012 06 07 00 45 00 Necessary documents and additional material General conditions Insurance contract application form Credit limit application form Credit limit application form several buyers Turnover declaration form Notification of non payment Indemnity application form 2012 06 07 00 44 00 How to apply for the insurance In order to receive an offer please fill out an application and send it to one of our client managers A suitable offer will be the basis of Your insurance contract After we have reached an agreement on the general 2012 06 07 00 43 00 How to apply for subordinated loan To apply for subordinated loan an application shall be filled out and the following documents enclosed financial forecasts on the form of KredExbusiness planreport of the most recent financial yearbalance sheet and 2012 06 07 00 42 00 Necessary documents and additional material DocumentsApplication form of subordinated loan Table of financial forecastsAdditional materialGeneral terms of subordinated loan 2012 06 07 00 42 00 What are the main requirements to an applicant the enterprise has been entered in the commercial register of the Republic of Estoniathe enterprise has no postponed payment debtsthe enterprise is sustainable and solventthe enterprise s equity capital meets the 2012 06 07 00 42 00 For whom is subordinated loan designed Subordinated loan is designed for an enterprise having proved the functioning of the business model and planning investment into development Subordinated loan helps if the quick growth of a company needs to be 2012 06 07 00 39 00 Kuidas laenukäendust taotleda Laenukäenduse kasutamiseks tuleb pöörduda panka Käenduse saamiseks esitab pank või liisingfirma vastava taotluse KredExile Kuni 400 000 eurose käenduse menetlemiseks kulub tavaliselt 1 nädal 400 000 800 2012 06 07 00 38 00 Necessary documents and additional material DocumentsApplication form of loan guarantee to be filled by the customer account manager at the bank Additional materialGeneral terms of loan guarantee 2012 06 07 00 31 00 What are the main requirements to an applicant The entrepreneur is creditworthyThe equity of the entrepreneur meets the requirements established in the Commercial CodeThe entrepreneur has no overdue un staggered credits 2012 06 07 00 30 00 For whom is loan guarantee designed A business loan guarantee is designed for a company requiring financing of its operations by a bank or leasing Loan guarantee helps if a company wishes to use a bank loan leasing or bank guarantee but lacks 2012 06 06 19 50 00 What are the main requirements to an applicant the company has been registered in the commercial register of the Republic of Estoniathe company has no overdue unpostponed debtsthe company is sustainable and solventthe equity capital of the company meets the 2012 06 05 15 42 00 Career Anu HolmbergGrant Project Manager of Housing and Energy Efficiency Division I started working in KredEx as grant administrator in 2007 A unique project had been started in KredEx in 2003 by which renovation 2012 06 05 15 41 00 Working in KredEx KredEx was founded in 2001 by merging Export Credit and Guarantee Foundation Enterprise Credit Foundation and Foundation Eesti Eluase At the end of year 2009 an affiliate KredEx Credit Insurance Ltd was founded 2012 06 04 12 16 00 Lisainfo Tehnoloogialaen uudistes 2012 06 04 10 01 00 Energy efficiency in apartment buildings Most buildings in Estonia are energy inefficient The average annual heating energy used in the buildings is 200 400 kWh m² compared to the figure in industrial nations with a similar climate which is only 150 230 2012 05 31 11 42 00 Fund KredEx Fund KredEx was founded in year 2001 by the Ministry of Economic Affairs and Communications with a purpose to improve financing possibilities of enterprises manage credit risks connected with export enable people 2012 05 31 11 08 00 Parking at Hobujaama 4 next to the building Price of parking CENTRE Centre public paid parking area 0 26 euros per 15 minutes from January 1st 2008 Paid parking Mon Fri 07 00 a m 07 00 p m Sat 08 00 a m 03 00 p m Free on Sundays and public 2012 05 31 11 07 00 Location and parking 2012 05 31 11 05 00 Parking building of Viru Keskus Viru väljak 4 6 Entrance from the side towards Narva street Price of parking 2 40 h 0 10 per every started 10 minutes The parking lot is open every day from 10 00 a m to 11 00 p m 2012 05 31 11 04 00 Underground parking lot of Coca Cola Plaza Hobujaama 5Entrance from the side towards Hobujaama Street Price of parking 2 40 h 0 10 per every started 10 minutes The parking lot is open every day from 10 00 a m to 11 00 p m 2012 05 31 10 56 00 Kontaktid Fund KredExHobujaama 4 10151 Tallinnph 372 667 4100fax 372 667 4101kredex at kredex eeKredEx Credit Insurance LtdHobujaama 4 10151 Tallinnph 372 667 4100fax 372 667 2012 05 31 10 36 00 Contacts In matters regarding start up loan please contact our client managers 2012 05 30 09 54 00 Necessary documents and additional material DocumentsApplication form of technology loan to be filled by the customer account manager at the bank Table of financial forecastsAdditional materialGeneral terms of technology loan 2012 05 30 09 54 00 How to apply for the technology loan To apply for the technology loan firstly it is necessary to contact a bank or leasing company to obtain a decision regarding the issuing of a bank loan or leasing In the event of a positive decision of the bank or 2012 05 30 09 51 00 For whom is technology loan designed Technology loan is designed for export oriented enterprises in the areas of processing industry mining industry production transfer and distribution of electrical energy and waste processing and disposal investing 2012 05 29 10 38 00 Necessary documents and additional material Documents Application form of start up loan to be filled by the customer account manager at the bank Additional material General terms of start up loan 2012 05 29 10 38 00 What are the main requirements to an applicant Not more than three years have passed from registration of the entrepreneur in the commercial registerThe equity of the entrepreneur meets the requirements established in the Commercial CodeThe owners of the 2012 05 29 10 36 00 How to apply for the start up loan In order to apply for the start up loan it is necessary to contact a bank that will forward the application to KredEx Having received all the information necessary for decision making KredEx issues a decision 2012 05 29 10 35 00 For whom is start up loan designed The start up loan with KredEx guarantee is suitable for starting enterprises and those having operated for up to three years for financing of investments and operating capital The start up loan helps if there are 2012 05 25 10 25 00 Contacts 2012 05 03 15 44 00 KredEx Credit Insurance and UniCredit concluded a cooperation agreement Today KredEx Credit Insurance Ltd and the Estonian Affiliate of UniCredit Bank signed an agreement of cooperation which provides an opportunity to the bank s customers to use financing of claims with 2012 04 30 14 44 00 From today it is possible to apply for reconstruction grants for private houses Today on April 30th KredEx shall start to accept reconstruction grant applications of private houses It is possible to apply for the grant to reconstruct a small house and implement equipment of renewable energy 2012 04 13 15 51 00 The state shall continue supporting families with many children On Monday April 16th KredEx will start to receive applications for home grant aimed at families with many children I am glad that also this year several Estonian families with many children will have an 2012 04 11 10 19 00 KredEx and Pohjola Bank shall commence cooperation in financing of companies KredEx concluded a cooperation agreement with the Estonian Affiliate of Pohjola Bank Plc according to which enterprises taking loans from Pohjola Bank Plc can use the loan guarantee of KredEx similarly to the 2012 04 03 15 45 00 Risks undertaken in the years of crisis are reflected in the results of KredEx The gross profit of core activity of Foundation KredEx increased by 7 1 last year whereas risks connected with realisation of guarantees increased and the year ended with a loss of 3 2 million euros loss of year 2012 03 19 16 56 00 A campaign introducing renovation possibilities of apartment buildings has started Today information campaign of KredEx Bring your home to the 21st century started the purpose being increasing of awareness on possibilities for renovation of apartment buildings among people According to 2012 02 16 11 07 00 Locations of quick charging points for electric cars have been decided Today KredEx published a list of quick charging points for electric cars including the locations of 160 quick chargers The locations of quick charging points are available in the web page of KredEx more locations 2012 02 14 10 16 00 The Start Up Loan of KredEx is supporting the expansion of Alfred Partners KredEx is guaranteeing the Start Up Loan of Alfred Partners Ltd producing speakers under brand Estelon helping the company increase the production capacity The interest of customers in Estelon speakers quickly grew 2012 02 13 14 41 00 KredEx supports drafting of building designs by 90 Today KredEx opened a support measure of drafting of building design and owner supervision the purpose of which is to support complete renovation of apartment buildings The grant covers 90 of the costs of 2012 02 08 15 55 00 The risk portfolio of KredEx Credit Insurance increased over three times The risk portfolio of KredEx Credit Insurance offering payment risk insurance to enterprises increased to 102 million euros by the end of year 2011 Insurance agreements were concluded with 36 2012 02 02 14 02 00 KredEx financed the renovation of 167 apartment buildings with the renovation loan Last year Swedbank and SEB Bank issued the renovation loan of KredEx with favourable interest rate to 167 apartment buildings in total amount of 16 7 million euros The average loan amount allocated was 100 2012 01 30 15 50 00 With the support of the Start Up Loan of KredEx starting enterprises invested 1 54 million euros Last year KredEx provided guarantees of 1 15 million Euros to the Start Up Loan of 68 enterprises The support of KredEx made it possible for the starting enterprises to obtain financing from banks in total amount of 2012 01 19 10 17 00 KredEx financed drafting of building designs with 274 000 euros Last year KredEx issued grants for drafting building designs to 350 apartment buildings in total amount of 274 000 euros In comparison to year 2010 the number of issued grants has increased more than twice As 2012 01 17 10 10 00 The number of enterprises having used KredEx guarantees increased by 12 over a year Last year KredEx provided guarantees of 52 million Euros to the financial liabilities of 454 enterprises The support of KredEx made it possible for enterprises to include additional financing from banks in the 2012 01 05 14 19 00 With the support of KredEx apartment buildings invested 26 million Euros into renovation within one year Last year 202 apartment buildings submitted applications for reconstruction grant to KredEx of which 193 apartment buildings obtained a positive decision in the amount of 5 82 million Euros In total last year 2011 12 07 11 40 00 The tender of ABB was proclaimed successful in the procurement for quick charging network and operator service The tender submitted by ABB AS was proclaimed successful in the procurement for quick charging network of electric cars and its operator service announced by Foundation KredEx in the middle of August The price of the 2011 11 29 11 46 00 Defendec develops wireless sensor network technology with the help of KredEx KredEx will guarantee a loan of Defendec OÜ producing monitoring systems The loan will be used for the development of wireless sensor network Smartdec Smartdec monitoring system is unique in the world including a 2011 11 28 11 43 00 Two years have passed since the state insurance company was founded Two years ago the foundation meeting of KredEx Krediidikindlustus took place by which a state enterprise offering credit insurance to local enterprises was founded Within the two year period of operation the company 2011 11 22 11 44 00 With the support of KredEx and PRIA cellulose wool will be produced in Võrumaa At the beginning of December Inku Kapitali OÜ will open a factory in Antsla to produce cellulose wool Werro Wool The leasing of the purchased equipment is guaranteed by KredEx and the construction of the 2011 11 11 11 45 00 The access of small companies to funding has considerably improved Within the ten months of this year KredEx has guaranteed the financial obligations of 375 enterprises in the amount of 40 million Euros which has made it possible for companies to include loans leasing and bank 2011 11 10 22 14 00 The average energy saving of renovated apartment buildings is 37 Information of KredEx shows that the average energy saving of apartment buildings having undertaken renovation with the help of reconstruction grant offered since September last year is 37 A total of 270 2011 10 24 10 10 00 A campaign introducing renovation possibilities of apartment buildings is starting Information campaign of KredEx We believe that renovation is feasible for every association with a purpose to increase the awareness of possibilities for renovation of apartment buildings among people started 2011 09 27 09 05 00 Reconstruction grant was allocated to 200th apartment building Apartment association Kehtna Suvi in Kehtna is the 200th apartment building for which reconstruction grant has been allocated by decision of KredEx From September last year a total of 237 applications have been 2011 09 23 16 47 00 ABB won the purchase and installation procurement of standard charging devices for electric cars The winner of the purchase and installation procurement of standard charging devices for electric cars for social workers of local municipalities announced by Foundation KredEx at the beginning of July was ABB AS The 2011 09 13 10 40 00 Entrepreneurs are paying greater attention to credit insurance According to Meelis Tambla Chairman of the Board of AS KredEx Credit Insurance Ltd a company having operated for over a year the market has received the state insurance company well and the awareness of 2011 09 06 11 23 00 The interest of apartment buildings in reconstruction grant has increased In August 32 applications for reconstruction grant were submitted to KredEx a decision for allocation of the grant was made for 42 apartment buildings in total amount of 1 261 175 64 Euros From September last year 2011 08 24 13 43 00 Experts of housing and town planning from all over the world are gathering in Tallinn KredEx in cooperation with IFHP International Federation for Housing and Planning will organise the 55th annual congress of IFHP in Tallinn on September 11th to 14th 2011 on topic Influence of Housing and 2011 08 18 14 58 00 KredEx announced procurement for the purchase of quick charging network of electric cars Today KredEx announced an open procurement proceeding for the purchase of quick charging network of electric cars and operator service for that The purpose of the procurement is to purchase about 200 quick chargers 2011 08 12 10 53 00 Today information campaign for purchase grant of electric car begins Today information campaign for purchase grant of electric cars begins the purpose of which is the promotion of the grant scheme of electric car and implementation of those among the Estonian inhabitants The 2011 08 03 10 42 00 The interest of apartment buildings in energy audit has increased In comparison to last year within the first six months of this year apartment buildings have more actively applied for the grant from KredEx for drafting energy audits If last year the total number of grants for 2011 07 28 15 07 00 The need for loan guarantee of KredEx is continually great Within the first six months of this year KredEx has guaranteed the financial obligations of 231 enterprises in the amount of 27 million Euros which has made it possible for companies to include loans leasing and 2011 07 18 16 27 00 KredEx is starting the acceptance of applications for grant for electric cars From today foundation KredEx is accepting applications for grants for purchase of electric cars Private and legal persons may apply for the grant and the grant amount is up to 50 of the price of the electric car 2011 07 15 14 53 00 KredEx has issued renovation grants to 115 apartment buildings Within the first six months of the year KredEx has issued renovation grants to 64 apartment buildings in the total amount of 1 848 419 Euros From September of last year a total number of 115 apartment buildings 2011 07 07 13 08 00 KredEx announced a public procurement for the purchase and installation of standard charging equipment of electric cars The purpose of the procurement is to purchase 507 standard chargers of electric cars with installation Applications shall be submitted latest by August 29th 2011 at 10 00 a m at Hobujaama 4 10151 2011 07 05 09 40 00 The growth of export has considerably increased the interest of enterprises in credit insurance During the first six months of this year KredEx Credit Insurance Ltd has collected twice as many insurance premiums as during the same period of last year Evaluation of foreign buyers solvency and 2011 07 04 11 05 00 KredEx announced a tender for the design of network connections for charging points of electric cars KredEx announced a public tender for the design of network connections for charging points of electric carsThe purpose of the public proceedings is to find a designer for all Estonian charging points of electric 2011 06 17 10 23 00 KredEx announced a public tender for selection of charging points of electric cars in towns The purpose of the public tender carried out by KredEx is to determine the locations of charging points of electric cars and find contract partners in larger towns for establishment of charging points to cover the 2011 06 17 10 23 00 In September KredEx will organise an international conference on housing and town planning Foundation KredEx in cooperation with IFHP International Federation for Housing and Planning will organise an international congress in Tallinn on September 11th to 14th 2011 on topic Influence of Housing and 2011 06 14 13 37 00 According to a survey the greatest problem of wooden buildings is incomplete renovation solutions According to the survey of wooden buildings carried out by the Tallinn Technical University by order of KredEx the state of Estonian wooden buildings that are mainly located in various areas of cultural and 2011 06 09 17 12 00 Guarantors of enterprise loans from all around the world are meeting in Tallinn From June 8th to 10th AECM The European Association of Mutual Guarantee Societies in cooperation with KredEx and IFC International Finance Corporation World Bank Group will hold a series of events the main topic 2011 06 09 17 11 00 It is possible to apply for the technology loan of KredEx also from Swedbank As of today it is possible to apply for the KredEx subordinated loan designed for technology investments also from Swedbank The technology loan covers the self financing of a leasing or loan for the entrepreneur 2011 06 03 16 48 00 KredEx announced a public tender for selection of charging points of electric cars in towns and villages The purpose of the public tender carried out by KredEx is to determine the locations of charging points of electric cars and find contract partners for establishment of charging points to cover the Republic of Estonia 2011 06 01 08 15 00 KredEx announced a public tender for selection of charging points of electric cars on roads The purpose of the public tender carried out by KredEx is to determine the locations of charging points of electric cars and find contract partners for establishment of charging points to cover the roads of the 2011 05 26 11 40 00 Reconstruction grant is now expanded to project management From May 23rd an amendment of a directive of the Ministry of Economic Affairs and Communications entered into force by which the terms of reconstruction grant for the buildings applying for it are changed 2011 05 26 11 39 00 KredEx will start to finance investments into machines and devices In cooperation with leasing companies and banks KredEx will start offering subordinated loan for technology investments that covers the self financing of a leasing or loan for the entrepreneur and the entrepreneur 2011 05 16 17 29 00 The official name of KredEx has changed From May 11th 2011 the Export Guarantee Fund KredEx has an official name Fund KredEx Due to the transfer of export guarantee activities to KredEx Credit Insurance Ltd and addition of other fields of activity 2011 05 09 17 14 00 The winners of three dimensional design idea competition for Rakvere Linnametsa housing district were decided At an open event in Project Room März on May 4th the winners of three dimensional idea competition for Rakvere Linnametsa housing district and the authors of the designs were announced By the competition Rakvere 2011 04 27 15 00 00 90 apartment buildings have applied for renovation grant from KredEx As of yesterday KredEx has received 90 applications in total amount of nearly 1 9 million Euros 77 positive decisions have been made in the amount of over 1 6 million Euros of which a grant of 35 has been decided 2011 04 21 15 42 00 New loan opportunities open up for exporting companies On today s government sitting draft legislation was approved by which a loan measure Subordinated loan programme funded from structural funds shall be created for exporting companies The Subordinated 2011 04 20 17 44 00 KredEx will start to support the purchase of electric cars In the beginning of March the Government of the Republic of Estonia decided to conclude a contract with Mitsubishi Corporation for the sale of AAUs in the amount of 10 million AAUs to start the Estonian electrical 2011 04 20 15 41 00 It is now possible to apply for the start up loan of a starting entrepreneur also from Nordea Bank From April 18th a starting entrepreneur may apply for start up loan with KredEx guarantee also from Nordea Bank The start up loan of KredEx is meant for small and medium sized starting enterprises and those having 2011 04 19 16 01 00 In 2010 KredEx financed projects of 470 entrepreneurs and helped more than 800 households acquire a home In 2010 KredEx guaranteed and financed 470 enterprises with subordinated loan and credit line in total amount of 108 6 million Euros

    Original URL path: http://www.kredex.ee/?op=search (2013-12-14)
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  • Sihtasutus KredEx - Start-up loan
    with KredEx guarantee is suitable for starting enterprises and those having operated for up to three years for financing of investments and operating capital The start up loan helps if there are difficulties in starting a company due to a lack of start up capital and there are no sufficient guarantees for bank loans or operational history Unlike a conventional bank loan fewer guarantees are required from an entrepreneur in the event of a start up loan Generally the personal surety of the physical owners of the loan recipient is sufficient to guarantee the loan The personal liability of the surety provider is 40 of the loan amount if the loan is used for the intended purpose What are the main requirements to an applicant Not more than three years have passed from registration of the entrepreneur in the commercial register The equity of the entrepreneur meets the requirements established in the Commercial Code The owners of the entrepreneur are only natural persons and or companies according to the Commercial Code The entrepreneur its owners and board members have no overdue un staggered credits The entrepreneur is sustainable and soluble and its business plan is feasible Necessary documents and additional material Documents Application form of start up loan to be filled by the customer account manager at the bank Additional material General terms of start up loan How to apply for the start up loan In order to apply for the start up loan it is necessary to contact a bank that will forward the application to KredEx Having received all the information necessary for decision making KredEx issues a decision generally within two weeks The bank issues the start up loan based on the positive decision of the bank and KredEx Free consultations regarding the preparation of a business

    Original URL path: http://www.kredex.ee/laen-ja-kaendus/ (2013-12-14)
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  • Sihtasutus KredEx - Credit insurance of short-term transactions
    insurance Production risk insurance Venture Capital Baltic Innovation Fund Short term trade credit insurance Short term credit insurance is suitable for companies selling goods or services with payment periods up to 360 days and protects against possible payment difficulties of Your buyers For whom is credit insurance of short term transactions suitable Short term credit insurance is suitable for companies selling goods or services with payment periods up to 360 days and protects against possible payment difficulties of Your buyers Short term credit insurance is designed for companies wishing to protect themselves against possible payment difficulties of their buyers The service is suitable for companies selling goods services or raw materials with short payment terms The policy can cover the entire turnover or sales to agreed upon export destinations What are the most important terms Policy holder Companies registered in Estonia Insured risk buyer s insolvency due to a commercial or political risk Buyers legal entities Buyer s country of location not restricted including Estonia Payment term provided to buyers up to 360 days Insurance cover generally 85 Costs insurance premium and buyers evaluation fee Additional options coverage available for foreign affiliates or for a production period possible to combine with financing from banks Necessary documents and additional material General conditions Insurance contract application form Credit limit application form Credit limit application form several buyers Turnover declaration form Notification of non payment Indemnity application form How to apply for the insurance In order to receive an offer please fill out an application and send it to one of our client managers A suitable offer will be the basis of Your insurance contract After we have reached an agreement on the general contract it is necessary to apply for credit limits for one s buyers We will analyse the credit worthiness

    Original URL path: http://www.kredex.ee/krediidikindlustus/ (2013-12-14)
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  • Sihtasutus KredEx - Riskikapital
    86 87 88 89 90 91 92 93 94 95 96 97 98 99 1 2 3 4 5 6 7 8 9 Palun sisestage matemaatilise tehte tulemus Kõik lahtrid peavad olema täidetud Täname tagasiside eest EST RUS ENG Otsi E teenindus Laen ja käendus Krediidikindlustus Riskikapital Toetus Ettevõte Korteriühistu Eraisik Energiatõhusus KredEx Kontaktid Riskikapital Balti Innovatsioonifond pakub omakapitali investeeringuid kõrge kasvupotentsiaaliga kiiresti arenevatele ettevõtetele Balti Innovatsioonifond Balti Innovatsioonifond BIF on Eesti Läti ja Leedu ning Euroopa Investeerimisfondi EIF poolt loodud fondifond mille eesmärk on suurendada kapitaliinvesteeringuid Balti riikide ettevõtetesse EIF investeerib fondi loomiseks 40 miljonit eurot millele lisandub 20 miljonit eurot Eesti KredEx Läti LGA ja Leedu Invega riiklikelt agentuuridelt Aastatel 2013 2016 investeerib BIF 100 miljonit eurot era ja riskikapitali investeerimisfondidesse millele lisatakse fondihaldurite kaudu omakorda vähemalt sama suures summas investeeringuid erainvestoritelt ja pensionifondidelt Ettevõtetesse investeerivad allfondid vastavalt iga konkreetse fondi investeerimispoliitikale kuid üldiseks sihtgrupiks on hea rahvusvahelise arengupotentsiaaliga Balti ettevõtted BIF i investeerimisprotsess algab 2013 aastal kui EIF valib fondihaldurid kellega alustatakse investeerimistegevust BIFi tegutsemisperiood on 10 aastat Allfondide loomisest huvitatud potentsiaalsed fondijuhid peaksid pöörduma lisainfo saamiseks EIF i poole Kontaktisikuks on Martins Jansons tel 352 426 688 381 e mail m jansons eif org Täpsem info

    Original URL path: http://www.kredex.ee/riskikapital/ (2013-12-14)
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