Mokoloto oa liindasteri ka 2022 naheng ea Rona

– Back in early June 2022, Prime Minister Mikhail Mishustin instructed the Ministry of Industry and Trade, the Ministry of Finance, and the Ministry of Economic Development of the Federation to develop a new measure of state support. It was presented at SPIEF 2022 and is already arousing considerable interest among representatives of small and medium-sized businesses,” says the head of the real estate department at Bugrov and Partners Polina Merkeeva.

Re tla u joetsa hore na mohato o mocha oa ts'ehetso ea mmuso o tla sebetsa joang le hore na ke libanka life ho tla khonahala ho fumana mokoloto oa ntlo ea indasteri ka 2022.

Mokoloto oa liindasteri ke eng ka mantsoe a bonolo

Mokoloto oa indasteri ke kalimo ea chelete e tsoang bankeng e sirelelitsoeng ke thekiso ea matlo. E ka nkoa ke khoebo ho reka sebaka sa indasteri se lokiselitsoeng 'me se qale tlhahiso ka potlako. Mokoloto ona o na le tšehetso ea mmuso, ke hore, o tla ba le sekhahla se ikhethileng, se tlase ho feta karolelano ea 'maraka. E tla tšehetsoa ka lichelete ke 'muso.

Ntho e ka sehloohong mabapi le mekoloto ea liindasteri ka tšehetso ea mmuso

Molao-taelo oa 'Muso mabapi le Mokoloto oa Liindasteri

Tokomane ha e so phatlalatsoe. Ka 2022, lenaneo la mokoloto oa ntlo ea indasteri le ntse le ntlafatsoa. Ha mafapha a bohlokoa (ke Lekala la Lichelete, Lekala la Ntšetso-pele ea Moruo le Lekala la Indasteri le Khoebo) a sebetsa litaba tsohle le lipehelo, ebe joale a li hokahanya le Tona-Kholo, ho tla phatlalatsoa decree on industrial mortgage. .

Maemo a mortgage ea indasteri

Hajoale ha ho na lipehelo le lipehelo tse felletseng tsa kalimo ena e tšehelitsoeng ke mmuso. Ho na le ntho e le 'ngoe e tiileng - sekhahla e tla ba 5% ka selemo, joalo ka ha ho phatlalalitsoe ke Tonakholo Mikhail Mishustin. 

- Mofuta ona oa likalimo o reretsoe ho tšehetsa likhoebo tse lekaleng la indasteri, hammoho le li-SME (likhoebo tse nyane le tse mahareng). Ke bona ba tla khona ho nka monyetla ka lenaneo le lecha la mokitlane. Ho phaella moo, bahlahisi ba thepa ea thepa ea indasteri - baetsi ba lirapeng tsa boikhathollo tsa indasteri le lirapeng tsa boikhathollo tsa theknoloji ea indasteri - le bona ba oela tlas'a lenaneo la "mokoloto oa liindasteri," ho boletse Polina Merkeeva.

Litlhoko tsa banka ho ba alimang

Obviously, loans will be issued to tax residents of the Federation – that is, the company pays most of the taxes in Our Country. Based on the name “industrial”, we can conclude that loans will be issued by LLC. Will individual entrepreneurs be supported? Quite possible.

There will probably be requirements for the amount of the company’s annual revenue and the period of business activity – in other words, how long the company has been in existence and has been operating. Surely they will take into account the type of activity of the borrower: at a minimum, it must comply with the legislation of the Federation. As a maximum, a specific list of industries that can qualify for an industrial mortgage may appear.

Litlhoko tsa banka bakeng sa thekiso ea matlo

Likalimo tse khethehileng li tla fanoa bakeng sa ho reka libaka tsa tlhahiso tse seng li entsoe ho tsoa ho baetsi ba indasteri (lihahi). Ke hore, ke mofuta oa mokoloto meahong e mecha ea indasteri.

Mananeo a mekoloto ea liindasteri

Hona joale re tseba ka mananeo a mabeli a ho alima ka tumello. Ea pele ke ea liindasteri tse batlang ho reka sebaka se secha. Bakeng sa bona, mokoloto oa 5% ka chelete ea li-ruble tse limilione tse 500, ho fihlela lilemo tse supileng.

Lenaneo la bobeli la mekoloto ea matlo a liindasteri ke la bahlahisi (lihahi) ba hahang meaho ea indasteri. Ba tla fuoa ho fihlela ho li-ruble tse limilione tse likete tse 2, ho fihlela lilemo tse leshome.

- Bohato ba sebaka sa sebaka sa Tver boa thahasellisa¹. Ba kenya tšebetsong lenaneo la bona la "industrial mortgage". Morero: ho tšehetsa likhoebo kahong ea meaho e mecha ea liindasteri, matlo a polokelo, hammoho le ho nkuoa ha liindasteri tse seng li entsoe le meaho ea thepa. Chelete ea mokoloto tabeng ena e tloha ho li-ruble tse limilione tse 20 ho isa ho tse 80 ka nako ea lilemo tse leshome ho 1% ka selemo, empa ka lichelete tsa lichelete. Ka nako e ts'oanang, litekanyetso tsa ho khetha merero, hammoho le litlhoko tsa motho ea alimang li ile tsa ntlafatsoa. Nakong e tlang, lenaneo lena le ka nkoa e le motheo oa lenaneo la federal mortgage industry.

Lethathamo la libanka moo u ka fumanang mokoloto oa liindasteri

Ha qeto ea promipoteka e hatisoa 'me mokhoa oa ho fana ka liphallelo o hlakile ka ho hlaka, libanka li tla etsa qeto ea hore na li tla fana ka likoloto tse joalo kapa che. Ho ka nahanoa hore ba pele ba tla lumellana le bona e tla ba libapali tse kholo tse khaotsoeng ke likotlo limmarakeng tsa kantle ho naha. Tlas'a maemo ana, palo ea bareki ba bona e fokotsehile, ho bolelang hore ho batla tse ncha ho bohlokoa ho feta leha e le neng pele.

Ho feta moo, mokoloto o joalo o molemo ho libanka. Etsoe, tekanyo ea 5% e tšehetsoa. Ka mantsoe a mang, mmuso o tla lefa banka e eketsehileng bakeng sa motho ea alimang.

Mokhoa oa ho fumana mokoloto oa indasteri

Taelo ena ke ea selelekela, e ipapisitse le maikutlo a hore na mochini oa mekoloto ea liindasteri o ka sebetsa joang. Ha ho na taolo e nepahetseng hona joale. Hang ha e hlaha, re tla nchafatsa litaba.

1. Bokella sephutheloana sa litokomane

Ha u alima khoebo, libanka li botsa:

• tlatsa foromo ka mokhoa oa banka;
• fana ka ngoliso le litokomane tsa motheo tsa setheo sa molao kapa mohoebi ka mong;
• tlaleho ea lichelete;
• litokomane tsa khoebo.

Ha ho nahanoa hore sena ke mokitlane, ke hore, mokoloto o sirelelitsoe ke ntho ea thekiso ea matlo, litokomane tse tsoang ho moqapi li tla hlokahala haholo, hammoho le tlhahlobo ea litšenyehelo tsa sebaka sa indasteri.

2. Khetha banka

Tsela e bonolo ka ho fetisisa ea hore likhoebo li sebetse le mekhatlo ea lichelete eo ba seng ba ntse ba e-na le akhaonto ea hona joale. Ho ka etsahala hore ebe libanka li tla alima ka sekhahla se tlase. Hobane 5% ke tekanyo e phahameng ka ho fetisisa. E le ho "hohela" khoebo ka boeona, peresente ka selemo e ka fokotsoa.

3. Emela tumello 'me u koale tumellano

Ha litokomane tsohle li se li lokile 'me mofani oa chelete a khethiloe, se setseng ke ho fumana tumello. Tabeng ea likalimo tsa khoebo, ts'ebetso e lula e le telele ho feta ho alimang bareki. Likotsi li phahame 'me chelete ea kalimo e kholoanyane. Leha ho le joalo, ha ho na thuso hape hore libanka li liehe ho etsa joalo.

Malebela a litsebi

Re ile ra kopa hlooho ea lefapha la thekiso ea matlo ho Bugrov & Partners, Polina Merkeeva, ho fana ka maikutlo a hae mabapi le lenaneo le lecha la mekoloto ea matlo a indasteri ka 2022.

"Maemo a hona joale a lipolotiki a susumelitse haholo nts'etsopele ea indasteri naheng ea rona, hammoho le thepa, ka lebaka leo, ho bile le tlhophiso ea khoebo ho tloha bophirimela ho ea bochabela. 

Kahoo, ho ile ha hlokahala ho nts'etsapele libaka tse ncha tsa tikoloho le ho nts'etsapele indasteri libakeng tsa Siberia le Bochabela bo Hōle. Ntlheng ena, ho ile ha etsoa qeto ea ho thakhola phano ea mekoloto ea liindasteri

Ho na le matšoenyeho a hore sekhahla sa tsoala se ikhethileng se tla sebetsa feela selemong sa pele. Empa re tlameha ho emela ho phatlalatsoa ha qeto ea semmuso. ”

Lipotso le likarabo tse tsebahalang

Mehloli ea

1. Letlole la Nts'etsopele ea Liindasteri sebakeng sa Tver https://frp69.ru/loans/industrial-mortgage/