DOCSLIB.ORG

Housing Loan for Foreign Nationals and Croatian Nationals Working Abroad

Total Page：16

File Type：pdf, Size：1020Kb

Download full-text PDF Read full-text
Housing Loan for Foreign Nationals and Croatian Nationals Working Abroad www.erstebank.hr HOUSING LOAN FOR FOREIGN NATIONALS AND Page 1 of 2 CROATIAN NATIONALS WORKING ABROAD Info telefon: 0800 7890 Housing Loan for Foreign Nationals and Croatian Nationals Working Abroad If you’ve been thinking about buying a property for quite some time and didn't know where to start? Purpose: Purchase of real property and a garage or a parking lot next to the property Loan amount: up to EUR 250,000.00 (countervalue in Croatian kuna (hereinafter: HRK) applying the middle exchange rate of Croatian National Bank) Loan repayment plan: loan terms of 3 to 20 years Fee: 1.200,00 HRK Client status: not required. Open and active domestic (HRK) and foreign currency transaction accounts at the Bank are required. EFFECTIVE MONTHLY ANNUITY IN TOTAL SUM (EUR) PAYABLE INTEREST RATE INTEREST EUR BY THE CLIENT RATE*** 12M EURIBOR* + 6.20 p.p.** = 7.00% 760.84 182,759.47 6.758% * Twelve-month (12M) EURIBOR rate is 0,558 on 1 st January 2014. Value of the twelve-month EURIBOR rate is formed in accordance with the Loan Agreement on an annual basis, by applying the rate published on REUTER's page two working days prior to the beginning of each interest period. **p.p. - percentage point ***Effective interest rate, annuity amount and the total sum payable by the Client have been calculated under specified conditions, loan amount EUR 100,000.00, loan repayment plan of 240 months, fee 1,200.00 HRK, on 1st January 2014. The effective interest rate can vary depending on the combination of loan security instruments. Loan security instruments required LOAN AMOUNT IN EUR LOAN SECURITY INSTRUMENTS - Bill of exchange From 15,000.00 up to 250,000.00 - Statement pursuant to the Article 214 of the Seizure Act (regular promissory note) certified by a notary public - mortgage 1:1 and cash deposit at the Bank Loans are granted with the currency clause in EUR and paid out by applying the middle exchange rate of Croatian National Bank. Monthly instalments shall be paid in HRK according to the middle exchange rate of Croatian National Bank for EUR on the day of payment. Required loan security instruments for the borrower, sureties and guarantors Interest rate on cash deposit that serves as the loan security instrument is 0.05%. The Bank reserves the right to request additional loan security instruments in its sole discretion. Appendix – Informative leaflet – Loans with EURIBOR The leaflet serves for informative purposes and is valid from 1 st January 2014. The Bank reserves the right to change the above stated conditions at any time. Erste&Steiermärkische Bank d.d. Tax number: HR23057039320 www.erstebank.hr HOUSING LOAN FOR FOREIGN NATIONALS AND Page 2 of 2 CROATIAN NATIONALS WORKING ABROAD Info telefon: 0800 7890 Loan documentation − photocopies of ID cards or passport with registered residence on the territory of the Republic of Croatia, i.e. passport for non- residents and ID cards for European Union residents − Tax number (OIB) certificate issued from Tax Administration − Completed Loan Application form for all loan participants whose credit standing has been assessed. − A signed Statement for processing of personal data − A signed Statement approving collection and processing data from HROK’s credit report for all loan participants whose credit standing has been assessed − Original last three payroll or pension slips (or a certified copy) − Employer’s confirmation regarding the employment status and monthly income of the loan applicant If a loan applicant is retired and receiving a foreign pension, they should also deliver: The decision on pension Additional documentation − Original excerpt from the land registry, not older than 30 days from the date of issue − Property value assessment, unless it is a newly constructed property − Insurance policy for mortgaged property vinculated in favour of the Bank Residential Homebuyers should provide a Sales Contract notarised by a public notary. For loan participants whose credit standing is being assessed, the maximum age at the moment of the final loan repayment deadline is set at 70 years. The Bank is not obligated to present the grounds for its Decisions regarding a particular application. Appendix – Informative leaflet – Loans with EURIBOR The leaflet serves for informative purposes and is valid from 1 st January 2014. The Bank reserves the right to change the above stated conditions at any time. Erste&Steiermärkische Bank d.d. Tax number: HR23057039320 .
Load more

Recommended publications
  • THE FOURTEEN DUBROVNIK ECONOMIC CONFERENCE Organized by the Croatian National Bank
    THE FOURTEEN DUBROVNIK ECONOMIC CONFERENCE Organized by the Croatian National Bank LIST OF PARTICIPANTS 1. Mr. Mate Babić, Professor, Faculty of Economics - Zagreb 2. Mr. James Barth, Senior Fellow, Milken Institute 3. Mr. Nikola Bokan, Analyst, Croatian National Bank 4. Mr. Boris Borozan, Managing Director, Global Head Central Bank Group Sales, HSBC Securities Inc. 5. Mr. Josef Brada, Professor, Arizona State University, W.O. Carey School of Business 6. Mr. Hank Brouwer, Executive Director, The Netherlands Bank 7. Mr. Michael Burda, Professor, Humboldt-Universitaet zum Berlin 8. Mr. Saša Cerovac, Analyst, Croatian National Bank 9. Mr. Simon Commander, European Bank for Reconstruction and Development 10. Mr. Jeffrey R. Currie, Investment Research, Goldman Sachs 11. Ms. Andrijana Ćudina, Analyst, Croatian National Bank 12. Ms. Ana Maria Čeh, Analyst, Croatian National Bank 13. Mr. Ante Čičin Šain, Former Governor of the Croatian National Bank, Honorary Consul of Ireland 14. Ms. Biljana Dlab, Associate, Alpha Associates AG 15. Mr. Saša Drezgić, Faculty of Economics, University of Rijeka 16. Ms. Mirna Dumičić, Analyst, Croatian National Bank 17. Mr. Randall K. Filer, President, CERGE - EI Foundation 18. Mr. Jeffrey A. Frankel, Professor, Harvard University, Kennedy School of Business 19. Ms. Tatjana Frlužec, Associate, Croatian National Bank 20. Mr. André Geis, European Central Bank, Directorate General International and European Relations 21. Mr. Robert Gordon, Professor, Northwestern University 22. Mr. Iftekhar Hasan, Professor, Rensselaer Polytechnic Institute 23. Mr. Oleh Havrylyshyn, Visiting Scholar, University of Toronto 24. Mr. Alberto Heimler, Competition Authority of Italy 25. Ms. Sylvia Heuchemer, Professor, Cologne University of Applied Sciences, Faculty of Economics and Business Administration 26.
    [Show full text]
  • Exchange Market Pressure on the Croatian Kuna
    EXCHANGE MARKET PRESSURE ON THE CROATIAN KUNA Srđan Tatomir* Professional article** Institute of Public Finance, Zagreb and UDC 336.748(497.5) University of Amsterdam JEL F31 Abstract Currency crises exert strong pressure on currencies often causing costly economic adjustment. A measure of exchange market pressure (EMP) gauges the severity of such tensions. Measuring EMP is important for monetary authorities that manage exchange rates. It is also relevant in academic research that studies currency crises. A precise EMP measure is therefore important and this paper re-examines the measurement of EMP on the Croatian kuna. It improves it by considering intervention data and thresholds that ac- count for the EMP distribution. It also tests the robustness of weights. A discussion of the results demonstrates a modest improvement over the previous measure and concludes that the new EMP on the Croatian kuna should be used in future research. Key words: exchange market pressure, currency crisis, Croatia 1 Introduction In an era of increasing globalization and economic interdependence, fixed and pegged exchange rate regimes are ever more exposed to the danger of currency crises. Integrated financial markets have enabled speculators to execute attacks more swiftly and deliver devastating blows to individual economies. They occur when there is an abnormally large international excess supply of a currency which forces monetary authorities to take strong counter-measures (Weymark, 1998). The EMS crisis of 1992/93 and the Asian crisis of 1997/98 are prominent historical examples. Recently, though, the financial crisis has led to severe pressure on the Hungarian forint and the Icelandic kronor, demonstrating how pressure in the foreign exchange market may cause costly economic adjustment.
    [Show full text]
  • Economic Growth in Croatia: What Have We Learned?
    Report No. 48879- HR Public Disclosure Authorized CROATIA Croatia’s EU Convergence Report: Reaching and Sustaining Higher Rates of Economic Growth Public Disclosure Authorized (In two volumes) Vol. II: Full Report June 2009 Public Disclosure Authorized Europe and Central Asia Region Document of the World Bank Public Disclosure Authorized CURRENCY AND EQUIVALENT UNITS Currency Unit=Croatian kuna US$1 =HRK 5.6102 (As of April 30, 2009) FISCAL YEAR January 1 – December 31` WEIGHTS AND MEASURES Metric System ACRONYMS AND ABBREVIATIONS AAE Agency for Adult Education IEC International Electrotechnical Commission ADR Alternative Dispute Resolution ILAC International Laboratory Accreditation Cooperation AVET Agency for Vocational Education and ILO International Labor Organization Training CA Company Act IP Intellectual Property CARDS Community Assistance for Reconstruction, ISO International Organization for Standardization Development and Stabilization CEE Central and Eastern Europe OECD Organization for Economic Cooperation and Development CENLE European Committee for Electrotechnical LLL Life Long Learning C Standardization CES ??? MoSES Ministry of Science, Education and Sports CGPM General conference on Weights and MoELE Ministry of Economy, Labor & Measures Entrepreneurship ECA Europe and Central Asia MS&T Mathematics, Science & Technology FDI Foreign Direct Investment FE Fixed Effects NIS National Innovation System FINA Financial Agency PMR Product Market Regulation GDP Gross Domestic Product PPS Purchasing Power Standards GFCF Gross Fixed
    [Show full text]
  • List of Certain Foreign Institutions Classified As Official for Purposes of Reporting on the Treasury International Capital (TIC) Forms
    NOT FOR PUBLICATION DEPARTMENT OF THE TREASURY JANUARY 2001 Revised Aug. 2002, May 2004, May 2005, May/July 2006, June 2007 List of Certain Foreign Institutions classified as Official for Purposes of Reporting on the Treasury International Capital (TIC) Forms The attached list of foreign institutions, which conform to the definition of foreign official institutions on the Treasury International Capital (TIC) Forms, supersedes all previous lists. The definition of foreign official institutions is: "FOREIGN OFFICIAL INSTITUTIONS (FOI) include the following: 1. Treasuries, including ministries of finance, or corresponding departments of national governments; central banks, including all departments thereof; stabilization funds, including official exchange control offices or other government exchange authorities; and diplomatic and consular establishments and other departments and agencies of national governments. 2. International and regional organizations. 3. Banks, corporations, or other agencies (including development banks and other institutions that are majority-owned by central governments) that are fiscal agents of national governments and perform activities similar to those of a treasury, central bank, stabilization fund, or exchange control authority." Although the attached list includes the major foreign official institutions which have come to the attention of the Federal Reserve Banks and the Department of the Treasury, it does not purport to be exhaustive. Whenever a question arises whether or not an institution should, in accordance with the instructions on the TIC forms, be classified as official, the Federal Reserve Bank with which you file reports should be consulted. It should be noted that the list does not in every case include all alternative names applying to the same institution.
    [Show full text]
  • Eu Cbs in Adria Region
    Ipsos Croatia EU CBS IN ADRIA REGION Paris, Dec 2015 Ipsos 2012 1 EU CBS IN ADRIA REGION 1. Adria region 2. CBS in Adria region 3. MCD 4. Correlations 2 1. ADRIA REGION Name: • Adria or Adriatic region (business people) • West Balkan (politicians) 3 1. ADRIA REGION 8 Countries / 25M citizens 7 nations & 7 official languages 6 currencies 4 countries on the refugees route 3 big religions 2 letters 1 Nikola TESLA 4 1. ADRIA REGION Negative: • WW1 started in Sarajevo (Bosnia - 1914) • Last war in Europe took place there • Balkan refugee routes • Low GDP growth • High unemployment rate Positive: • Tennis, basketball, football, water ball, handball, … • Adriatic sea,….. 5 1. ADRIA REGION GDP per capita PPP 2012 2013 2014 % of EU EU 28 34.950 35.300 36.200 100% Albania 9.667 9.926 10.429 29% Bosna 9.370 9.550 9.923 27% Croatia 21.114 21.351 21.252 59% Kosovo* 8.388 8.613 8.804 24% Macedonia 11.874 12.468 13.142 36% Montenegro 13.589 14.136 14.323 40% Serbia 12.806 13.020 12.660 35% Slovenia 28.450 28.859 29.917 83% World Bank, Eurostat GDP per capita, PPP (current international $), *Est 2012, 2013 6 1. ADRIA REGION GDP growth (annual %) 2012 2013 2014 EU 28 -0,5 0,2 1,4 Slovenia -2,6 -1,0 2,6 Croatia -2,2 -0,9 -0,4 Kosovo -3,0 8,7 2,8 Macedonia -0,5 2,7 3,8 Montenegro -2,5 3,3 1,5 Serbia -1,0 2,6 -1,8 Albania 1,6 1,4 1,9 Bosnia & Herzegovina -1,2 2,5 1,2 World Bank - annual percentage growth rate of GDP at market prices based on constant local currency.
    [Show full text]
  • University of Rijeka Faculty of Humanities and Social Sciences Department of English Translation from Croatian Into English Tran
    View metadata, citation and similar papers at core.ac.uk brought to you by CORE provided by Repository of the University of Rijeka UNIVERSITY OF RIJEKA FACULTY OF HUMANITIES AND SOCIAL SCIENCES DEPARTMENT OF ENGLISH Filip Brdar TRANSLATION FROM CROATIAN INTO ENGLISH TRANSLATION AND ANALYSIS OF TEXTS OF DIFFERENT GENRES Submitted in partial fulfilment of the requirements for the B.A. in English Language and Literature and German Language and Literature at the University of Rijeka Supervisor: Nikola Tutek M.A. September 2015 ABSTRACT This B.A. thesis, of the undergraduate study of the English Language and Literature, is focused on the field of translation. The aim of this thesis and accompanying research is to choose three serious, relevant, scientific and academic articles in Croatian, translate and analyse them in English. The thesis is structured in the following way: after a brief introduction there is an article, i.e. a source text in Croatian, followed by the translation and an analysis of the translation. The purpose of the analyses is to explain the process of translating and to reveal different types of problems and challenges which were encountered. After the third translation analysis there is a conclusion, where the entire thesis is summed up and assessed. A bibliography, i.e. the sources, is included at the very end of the B.A. thesis. TABLE OF CONTENTS 1. SOURCE TEXT 1…………………………………………………………………2 1.1. TRANSLATION OF SOURCE TEXT 1…………………………………...................8 1.2. TRANSLATION ANALYSIS ……………………………………………………….14 2. SOURCE TEXT 2………………………………………………………………...16 2.1. TRANSLATION OF SOURCE TEXT 2……………………………………………..22 2.2 TRANSLATION ANALYSIS…………………………………………………………28 3.
    [Show full text]
  • ZAGORAA Cultural/Historical Guide to the Zagora (Inland) Region of Split
    A cultural/historical guide to the Zagora (inland) region of Split-Dalmatia County ZAGORA THE DALMATIAN ZAGORA (INLAND) Joško Belamarić THE DALMATIAN ZAGORA (INLAND) A cultural/historical guide to the Zagora (inland) region of Split-Dalmatia County 4 Zagora 14 Klis Zagora 24 Cetinska krajina 58 Biokovo, Imotski, Vrgorac 3 Zagora THE DALMATIAN ZAGORA (INLAND) A cultural/historical guide to the Zagora (inland) region of Split-Dalmatia County Here, from Klis onwards, on the ridge of the Dinara mountain chain, the angst of inland Dalmatia’s course wastelands has for centuries been sundered from the broad seas that lead to a wider world. The experience of saying one’s goodbyes to the thin line of Dalmatia that has strung itself under the mountain’s crest, that viewed from the sea looks like Atlas’ brothers, is repeated, not without poetic chills, by dozens of travel writers. To define the cultural denominators of Zagora, the Dalmatian inland, is today a difficult task, as the anthropological fabric of the wider Dalmatian hinterland is still too often perceived through the utopian aspect of the Renaissance ideal, the cynicism of the Enlightenment, or the exaggeration of Romanticism and the 18th century national revival. After the fall of medieval feudalism, life here has started from scratch so many times - later observers have the impression that the local customs draw their roots from some untroubled prehistoric source in which the silence of the karst on the plateau towards Promina, behind Biokovo, the gurgling of the living waters of the Zrmanja, Krka, Čikola and Cetina Ri- vers, the quivering of grain on Petrovo, Hrvatac and Vrgorac Fields, on 4 Zagora the fat lands along Strmica and Sinj, create the ide- al framework for the pleasant countenance, joyous heart and sincere morality of the local population of which many have written, each from their own point of view: from abbot Fortis and Ivan Lovrić during the Baroque period, Dinko Šimunović and Ivan Raos not so long ago to Ivan Aralica and, in his own way, Miljenko Jergović today.
    [Show full text]
  • Croatian Kuna: Money, Or Just a Currency? Evidence from the Interbank Market
    Davor Mance, Bojana Olgic Drazenovic, and Stella Suljic Nikolaj. 2019. Croatian Kuna: Money, or just a Currency? Evidence from the Interbank Market. UTMS Journal of Economics 10 (2): 149–161. Original scientific paper (accepted November 6, 2019) CROATIAN KUNA: MONEY, OR JUST A CURRENCY? EVIDENCE FROM THE INTERBANK 1 MARKET Davor Mance2 Bojana Olgic Drazenovic Stella Suljic Nikolaj Abstract Modern sovereign money is accepted as an institution in virtue of the collective intentionality of the acceptance of the sovereign status function declaration it being the official currency of a country. A status function declaration may not create money it may only create a currency. How does one test the fact that an official currency also has all the properties of money? We propose a rather simple test based on the Granger causality of the acceptance of a currency in virtue of money if, and only if, the allocation function of its market interest rate is not rejected. This condition is fulfilled if the interest rate is its genuine allocator. This is the case if the changes in quantity cause the change in the interest rate as a price of money i.e. its true opportunity cost. We find that market interest rate changes are Granger caused by changes in quantities of traded euros on the overnight banking market but not by changes in the quantity of traded Croatian kuna. Thus, the Croatian kuna is only the domestic currency of Croatia, and the euro is its true money. Keywords: money functions, euroization, ZIBOR, Granger causality. Jel Classification: E31; E43; E47; E52; G17 INTRODUCTION The fact that we call something “money” is observer relative: it only exists relative to its users and relative to the users’ perspective considering something a money.
    [Show full text]
  • Illyrian Policy of Rome in the Late Republic and Early Principate
    ILLYRIAN POLICY OF ROME IN THE LATE REPUBLIC AND EARLY PRINCIPATE Danijel Dzino Thesis submitted for the degree of Doctor of Philosophy in the Department of Classics University of Adelaide August 2005 II Table of Contents TITLE PAGE I TABLE OF CONTENTS II ABSTRACT V DECLARATION VI ACKNOWLEDGMENTS VII LIST OF FIGURES VIII LIST OF PLATES AND MAPS IX 1. Introduction, approaches, review of sources and secondary literature 1.1 Introduction 1 1.2 Rome and Illyricum (a short story) 2 1.3 Methodology 6 1.4.1 Illyrian policy of Rome in the context of world-system analysis: Policy as an interaction between systems 9 1.4.2 The Illyrian policy of Rome in the context of world-system analysis: Working hypothesis 11 1.5 The stages in the Roman Illyrian relationship (the development of a political/constitutional framework) 16 1.6 Themes and approaches: Illyricum in Roman historiography 18 1.7.1 Literature review: primary sources 21 1.7.2 Literature review: modern works 26 2. Illyricum in Roman foreign policy: historical outline, theoretical approaches and geography 2.1 Introduction 30 2.2 Roman foreign policy: Who made it, how and why was it made, and where did it stop 30 2.3 The instruments of Roman foreign policy 36 2.4 The place of Illyricum in the Mediterranean political landscape 39 2.5 The geography and ethnography of pre-Roman Illyricum 43 III 2.5.1 The Greeks and Celts in Illyricum 44 2.5.2 The Illyrian peoples 47 3. The Illyrian policy of Rome 167 – 60 BC: Illyricum - the realm of bifocality 3.1 Introduction 55 3.2 Prelude: the making of bifocality 56 3.3 The South and Central Adriatic 60 3.4 The North Adriatic 65 3.5 Republican policy in Illyricum before Caesar: the assessment 71 4.
    [Show full text]
  • Finance & Photography
    bulletin Finance & Photography 2021 eabh (The European Association for Banking and Financial History e.V.) Photograph: A projector with its lens from the Department of Polytheama and Photographic Mediums’ equipment. © National Bank of Greece eabh BULLETIN bulletin eabh bulletin KEY TITLE SUBMISSIONS eabh bulletin All submissions by email eabh - The European Association for EMAIL Banking and Financial History e.V. [email protected] DESIGN TEL Richard McBurney, grand-creative.com +49(0)69 36 50 84 650 EDITORS WEBSITE Carmen Hofmann, eabh Finance & bankinghistory.org Gabriella Massaglia, eabh Photography Hanauer Landstrasse 126-128, D-60314, ISSN Frankfurt am Main, Germany 2219-0643 LANGUAGE EDITOR LICENSE Chloe Colchester CC BY NC ND 2021 © eabh, Frankfurt am Main, 2021. All rights reserved. 3 INTRODUCTION Dear members and friends of eabh, Photographs are a key part of the archival collections of many financial institutions. Their emotional charge, their documentary power, their immediacy and universality set them apart from other archival documents. Used well, they provide an asset for any financial institution. This volume features articles from 17 financial institutions in eleven different countries. Almost 300 photographs provide glimpses of institutional practice over a span of 150 years. The photographs reveal stories about staff members, office buildings, and money; and they tell us about fashion, cultural movements, financial and industrial innovation, poverty, gender, colonization, leisure, and much more. This issue is the first of a series, and part of a wider project to explore the connections between finance and photography. eabh would like to invite its member and partner eabh institutions to join in by contributing to the second volume of the series.
    [Show full text]
  • Letter by Croatia on ERM II Participation
    ts I H lnrl REPUBLIC OF CROATIA CROATIAN NATIONAL BANK MINISTRY OF FINANCE CLASS: 9 I 0-0 l/19-0 1/48 Ref. No: 94 I -08-020 104-07 -19/BV REG. No.: 513-01-19-15 President of the Eurogroup President of the European Central Bank Finance Ministers of the Euro Area Member States Finance Minister and Central Bank Governor of Denmark Vice President of the European Commission for the Euro Zagreb,4 July 2019 THE GOVERNMENT OF THE REPUBLIC OF CROATIA AND THE CROATIAN NATIONAL BAflK, Having regard to the Treaty on European Union, in particular Article 3(4) thereof and the Treaty on the Functioning of the European Union, in particular Articles 119(3) and 142 thereof Having regard to the Act concerning the conditions of accession of the Republic of Croatia and the adjustments to the Treaty on European Union, the Treaty on the Functioning of the European Union and the Treaty establishing the European Atomic Energy Communityr, and in particular Article 5 thereof, t oJ L t 12,24.4.2012,p. 6 Having regard to Council Regulation (EC) No 102412013 of l5 October 2013 conferring specific tasks on the European Central Bank concerning policies relating to the prudential supervision of credit institutions, and in particular Article 7 thereof, Having regard to the Resolution of the European Council meeting in Amsterdam of 16 June 1997 on the establishment of an exchange-rate mechanism in the third stage of economic and monetary union, Whereas: l) The Republic of Croatia has been successful in maintaining price and financial sector stability for the last 25 years, by pursuing a monetary policy based on stabilizing the exchange rate of the kuna.
    [Show full text]
  • The Formation of Croatian National Identity
    bellamy [22.5].jkt 21/8/03 4:43 pm Page 1 Europeinchange E K T C The formation of Croatian national identity ✭ This volume assesses the formation of Croatian national identity in the 1990s. It develops a novel framework that calls both primordialist and modernist approaches to nationalism and national identity into question before applying that framework to Croatia. In doing so it not only provides a new way of thinking about how national identity is formed and why it is so important but also closely examines 1990s Croatia in a unique way. An explanation of how Croatian national identity was formed in an abstract way by a historical narrative that traces centuries of yearning for a national state is given. The book goes on to show how the government, opposition parties, dissident intellectuals and diaspora change change groups offered alternative accounts of this narrative in order to The formation legitimise contemporary political programmes based on different visions of national identity. It then looks at how these debates were in manifested in social activities as diverse as football and religion, in of Croatian economics and language. ✭ This volume marks an important contribution to both the way we national identity bellamy study nationalism and national identity and our understanding of post-Yugoslav politics and society. A centuries-old dream ✭ ✭ Alex J. Bellamy is lecturer in Peace and Conflict Studies at the University of Queensland alex j. bellamy Europe Europe THE FORMATION OF CROATIAN NATIONAL IDENTITY MUP_Bellamy_00_Prelims 1 9/3/03, 9:16 EUROPE IN CHANGE : T C E K already published Committee governance in the European Union ⁽⁾ Theory and reform in the European Union, 2nd edition .
    [Show full text]