In the industrial sector up to 12 years, and for infrastructure projects 20 years, or more in exceptional cases. In euro, the currencies of EU Member Countries not participating in the euro area, but also in other currencies, such as US dollars, yen, Swiss francs, a Central or Eastern European currency or South African rand, depending on the borrower's preferences. Loans may be disbursed in one or more currencies. Fixed, variable or revisable rate. Grace periods for capital repayment may be obtained for the construction phase of the project.
Bullet loans are also possible.
Generally, neither processing, commitment nor any other fees are charged. Global loans These are credit lines made available to banks or financial institutions, which onlend the proceeds for small or medium-scale investment projects meeting the Bank's criteria. To complement EIB financing, the intermediary also advances funds in support of the projects concerned. Local authorities or firms with fewer than 500 employees and having fixed assets of up to EUR 75 million. New capital investment projects worth up to EUR 25 million, undertaken by SMEs or, in the case of small infrastructure projects, by local authorities.