Ngongole zamafakitale mu 2022 ku Dziko Lathu

– 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.

Tikuwuzani momwe njira yatsopano yothandizira boma idzagwirira ntchito komanso ndi mabanki ati zomwe zitha kubwereketsa ndalama zamakampani mu 2022.

Kodi ngongole yamakampani ndi chiyani m'mawu osavuta

Ngongole yamakampani ndi ngongole yandalama kuchokera kubanki yotetezedwa ndi malo ogulitsa nyumba. Itha kutengedwa ndi bizinesi kuti igule malo ogulitsa okonzeka ndikuyamba kupanga mwachangu. Ngongole iyi ili ndi chithandizo cha boma, ndiko kuti, idzakhala ndi mlingo wokonda, womwe uli wocheperapo kusiyana ndi msika. Idzathandizidwa ndi boma.

Chinthu chachikulu chokhudza ngongole zamakampani ndi chithandizo cha boma

Lamulo la Boma pa Ngongole Yanyumba Yamafakitale

Chikalatacho sichinasindikizidwebe. Mu 2022, pulogalamu yobwereketsa nyumba yamafakitale ikupangidwa. Madipatimenti ofunikira (awa ndi Unduna wa Zachuma, Unduna wa Zachitukuko ndi Unduna wa Zachuma ndi Zamalonda) apanga tsatanetsatane ndi zofunikira zonse, kenako ndikuzigwirizanitsa ndi Prime Minister, lamulo lokhudza kubwereketsa kwa mafakitale lidzasindikizidwa. .

Mkhalidwe wandalama wandalama

Pakali pano palibe malamulo ndi zikhalidwe zonse za ngongole yothandizidwa ndi boma. Chinthu chimodzi ndi chotsimikizika - mtengowo udzakhala 5% pachaka, monga adalengezera Prime Minister Mikhail Mishustin. 

- Kubwereketsa kotereku ndicholinga chothandizira mabizinesi m'gawo la mafakitale, komanso ma SME (mabizinesi ang'onoang'ono ndi apakatikati). Ndi iwo omwe adzatha kupezerapo mwayi pa pulogalamu yatsopano yangongole. Kuonjezera apo, okonza malo ogulitsa mafakitale - omanga mapaki a mafakitale ndi malo opangira matekinoloje a mafakitale - amagweranso pansi pa ndondomeko ya "ndalama zamakampani," adatero Polina Merkeeva.

Zofunikira za banki kwa obwereka

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.

Zofunikira za banki pazogulitsa nyumba

Ngongole zosankhidwa bwino zidzaperekedwa pogula malo opangidwa okonzeka kuchokera kwa opanga mafakitale (omanga). Ndiye kuti, ndi mtundu wangongole panyumba zatsopano zamafakitale.

Mapulogalamu a ngongole zamakampani

Tsopano tikudziwa za mapulogalamu awiri obwereketsa mwakongoletsedwe. Yoyamba ndi ya mafakitale omwe akufuna kugula malo atsopano. Kwa iwo, ngongole pa 5% mu kuchuluka kwa rubles miliyoni 500, kwa zaka zisanu ndi ziwiri.

Pulogalamu yachiwiri yobwereketsa ndalama zamafakitale ndi ya omanga (omanga) omwe amamanga malo ogulitsa mafakitale. Adzapatsidwa ma ruble 2 biliyoni, mpaka zaka khumi.

- Ntchito yachigawo ya dera la Tver ndiyosangalatsa¹. Akugwiritsa ntchito pulogalamu yawoyawo ya "industrial mortgage". Cholinga: kuthandizira mabizinesi pomanga malo atsopano ogulitsa mafakitale, malo osungiramo zinthu, komanso kupeza malo okonzeka opangidwa ndi mafakitale ndi zinthu. Kuchuluka kwa ngongole pankhaniyi kumachokera ku 20 mpaka 80 miliyoni rubles kwa zaka khumi pa 1% pachaka, koma ndi zitsimikizo zachuma. Panthawi imodzimodziyo, njira zopangira ntchito, komanso zofunikira kwa wobwereka, zinapangidwa. M'tsogolomu, pulogalamuyi itha kutengedwanso ngati maziko a federal industrial mortgage program.

Mndandanda wamabanki omwe mungapezeko ngongole yamakampani

Pamene chigamulo cha promipoteka chimasindikizidwa ndipo njira yothandizira ndalama ikuwonekera momveka bwino, mabanki adzasankha ngati angapereke ngongole zoterezi kapena ayi. Zingaganizidwe kuti oyamba kuvomerezana nawo adzakhala osewera akuluakulu omwe adulidwa ndi zilango pamisika yakunja. Pansi pazimenezi, chiwerengero cha makasitomala awo chatsika, zomwe zikutanthauza kuti kufufuza zatsopano ndizofunika kwambiri kuposa kale lonse.

Komanso, ngongole yotereyi imapindulitsa mabanki. Kupatula apo, mlingo wa 5% umathandizidwa. Mwa kuyankhula kwina, boma lidzalipira banki yowonjezera kwa wobwereka.

Momwe mungapezere ngongole yamakampani

Langizo ili ndi loyambirira, kutengera malingaliro a momwe makina opangira nyumba amagwirira ntchito. Palibe lamulo lenileni pakali pano. Zikangowonekera, tidzasintha zinthuzo.

1. Sungani zikalata

Pobwereketsa bizinesi, mabanki amafunsa kuti:

• lembani fomu mu mawonekedwe a banki;
• kupereka zolembetsa ndi zolembedwa za bungwe lovomerezeka kapena wochita bizinesi payekha;
• malipoti azachuma;
• zikalata zamabizinesi.

Poganizira kuti izi ndi ngongole, ndiko kuti, ngongole imatetezedwa ndi chinthu chogulitsa nyumba, zolemba kuchokera kwa wopanga mapulogalamu zidzafunika kwambiri, komanso kuwunika kwa mtengo wa malo ogulitsa mafakitale.

2. Sankhani banki

Njira yosavuta kuti mabizinesi azigwira ntchito ndi mabungwe azachuma momwe ali ndi akaunti yaposachedwa. N'zotheka kuti mabanki adzabwereketsa ndalama zochepa. Chifukwa 5% ndiye mlingo waukulu kwambiri. Kuti "akope" bizinesiyo yokha, peresenti pachaka ikhoza kuchepetsedwa.

3. Dikirani chivomerezo ndikutseka mgwirizano

Zolemba zonse zikakonzeka ndipo wobwereketsa wasankhidwa, chomwe chatsala ndikupeza chivomerezo. Pankhani ya ngongole zamabizinesi, njirayo imakhala yayitali nthawi zonse kuposa kubwereketsa kwa ogula. Zowopsa zake ndizambiri ndipo ndalama zangongole ndizokulirapo. Komabe, ndizopanda phindu kuti mabanki achedwetse njirayi.

Katswiri Malangizo

Tidafunsa mkulu wa dipatimenti yogulitsa nyumba ku Bugrov & Partners, Polina Merkeeva, kuti afotokoze malingaliro ake pa pulogalamu yatsopano yobwereketsa nyumba mu 2022.

"Mkhalidwe wa ndale wamakono wakhudza kwambiri chitukuko cha mafakitale m'dziko lathu, komanso kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe kake. 

Chifukwa chake, zidakhala zofunikira kukulitsa madera atsopano ndikutukula mafakitale kumadera a Siberia ndi Far East. Pachifukwa ichi, adaganiza zoyambitsa kuperekedwa kwa ngongole zamakampani

Pali zodetsa nkhawa kuti chiwongola dzanja chokhazikika chidzangogwira chaka choyamba. Koma tikuyenera kudikirira kuti chigamulochi chitulutsidwe. ”

Mafunso ndi mayankho otchuka

Magwero a

1. Industrial Development Fund ya Chigawo cha Tver https://frp69.ru/loans/industrial-mortgage/