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01

Farmers’ Micro-finance

  • DESCRIPTION
    Credit Limit in order to cover the unpredictable expenses of agricultural holdings.
  • IDEAL FOR
    All kinds of agricultural holdings
  • INTEREST RATE
    Floating based on the Base Rate for Farmers’ Loans (BRF)
  • DURATION
    One year with an one-year extension option
  • REPAYMENT
    METHOD
    The capital may be repaid at any time during the credit line period and through payment of subsidies
  • FINANCING
    AMOUNT
    up to €5,000.
02

Investment financing for Young/New Farmers

  • DESCRIPTION
    Purchase land and mechanical equipment

    Purchase and construct agricultural buildings

    Purchase plants and farm animals
  • IDEAL FOR

    Persons aged 19-50 who want to become at main profession farmer

  • INTEREST RATE

    Variable based on the BRF

    Up to 100% subsidized interest rate for people aged up to 40

  • DURATION
    To purchase mechanical equipment: duration up to 10 years

    To purchase land and construct agricultural buildings: duration up to 15 years

    To purchase plants and farm animals: duration up to 6 years
  • REPAYMENT
    METHOD
    In monthly, 3-monthly, 6-monthly or annual instalments
  • FINANCING
    AMOUNT

    From €5,000 to €150,000

    Maximum Financing Amount: up to 80% of the estimated cost and up to 80% of estimated value of the mortgaged property

03

Working Capital for Farmers (WCF)

  • DESCRIPTION
    Working capital to cover a farmer’s annual needs.
  • IDEAL FOR
    Farmers aged 18-70
  • INTEREST RATE
    Variable based on the Base Rate for Farmers (BRF)
  • DURATION
    One year with an one-year extension option
  • REPAYMENT
    METHOD
    Repayment of capital at any time during the credit line period. Repayments should equal to at least 50% of the received subsidies, product sales and other compensation.
  • FINANCING
    AMOUNT
    up to 90% of the eligible CL
04

Loan “Land and Equipment”

  • DESCRIPTION
    A loan to:

    Buy land and agricultural equipment

    Construction of agricultural buildings

    Purchase of plants and farml animals
  • IDEAL FOR
    Farmers,
    aged 18-70
  • INTEREST RATE
    Variable based on the BRF
  • DURATION
    To purchase agricultural equipment: duration up to 10 years

    To purchase land and construction of agricultural buildings: duration up to 15 years

    To purchase plants: duration up to 8 years

    To purchase farm animals: duration up to 6 years
  • REPAYMENT
    METHOD
    In monthly, 3-monthly, 6-monthly or annual instalments
  • FINANCING
    AMOUNT

    From €5.000 and up to 80% of estimated value of the mortgaged property

05

Contract Farming Card

  • DESCRIPTION
    Credit limit to cover the needs of agricultural production.
  • IDEAL FOR
    Farmers aged 18 to 75
  • INTEREST RATE
    Variable
    based on the Basic Rate for farmers (BRF)
  • DURATION
    Equals to the duration of the crop/milk production cycle
  • REPAYMENT
    METHOD
    The card’s outstanding balance will automatically be repaid through a lump-sum payment or in instalments for the raw material which the producer has delivered to the processing unit
  • FINANCING
    AMOUNT
    Depends on: The value of the agricultural production which the producers/suppliers will deliver to the buyer with whom they hold a contract. The cost of the producers / suppliers agricultural production inputs (expenses for agricultural supplies, fuel, animal feed, etc.)
06

Investment Loan for Farming Activities, Premises and Equipment

  • DESCRIPTION
    Financing for farmers & farming businesses for implementing investment plans included in Measure 121 and Measure 123A
  • IDEAL FOR
    Farmers (aged 18-60) / Farming sole proprietorships / Legal entities of any form
  • INTEREST RATE
    Variable (BMLR) minus a spread of 1.4%
  • DURATION
    Up to 7 years for mechanical equipment & intangible assets

    Up to 10 years for building premises and purchasing plots of land
  • REPAYMENT
    METHOD
    In monthly, 3-monthly or 6-monthly instalments that pay interest and capital
  • FINANCING
    AMOUNT
    Equal to the loan amount determined in the investment plan’s decision for inclusion.
07

Development Working Capital for Farmers

  • DESCRIPTION
    Financing for farmers & farming businesses for implementing investment plans included in Measure 121 and Measure 123A
  • IDEAL FOR
    Farmers (aged 18 – 60) / Farming sole proprietorships / Legal entities of any form
  • INTEREST RATE
    Variable (PLR) minus a spread of 1%
  • DURATION
    Up to 3 years, not exceeding 6 months after the programme’s anticipated expiry date
  • REPAYMENT
    METHOD
    The debtor repays the loan in a single lump-sum principal instalment at loan maturity. Interest is paid every 1, 3 or 6 months
  • FINANCING
    AMOUNT
    Up to 90% of the approved subsidy
08

Loan for Proactive Protection of Agricultural Crops (ELGA)

  • DESCRIPTION
    Loan to purchase materials and install active protection systems against hail and rain
  • IDEAL FOR
    Farmers aged 18-65, approved by the Hellenic Agricultural Insurance Organisation (ELGA)
  • INTEREST RATE
    Variable based on the Base Rate for Farmers (BRF)
  • DURATION
    Up to 6 years
  • REPAYMENT
    METHOD
    Interest is paid every 6 months, on 30/06 and 31/12. Capital is repaid through the assigned ELGA’s subsidy
  • FINANCING
    AMOUNT
    €2,000 - €170,000