Kev lag luam qiv nyiaj hauv 2022 hauv Peb Lub Tebchaws

– 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.

Peb yuav qhia koj tias qhov kev ntsuas kev txhawb nqa tshiab hauv lub xeev yuav ua haujlwm li cas thiab nyob rau hauv lub tsev txhab nyiaj twg nws yuav ua tau kom tau txais kev lag luam qiv nyiaj hauv 2022.

Dab tsi yog kev lag luam qiv nyiaj hauv cov ntsiab lus yooj yim

Kev qiv nyiaj lag luam yog qiv nyiaj los ntawm lub txhab nyiaj ruaj ntseg los ntawm vaj tse. Nws tuaj yeem raug coj los ntawm kev lag luam mus yuav qhov chaw tsim khoom lag luam thiab pib sai sai. Qhov kev qiv nyiaj no yog nrog lub xeev kev txhawb nqa, uas yog, nws yuav muaj tus nqi nyiam, uas yog qis dua qhov nruab nrab ntawm kev ua lag luam. Nws yuav koom nrog nyiaj txiag los ntawm lub xeev.

Qhov tseem ceeb ntawm kev lag luam qiv nyiaj nrog lub xeev kev txhawb nqa

Tsoom fwv Decree ntawm Industrial Mortgage

Cov ntaub ntawv tseem tsis tau luam tawm. Nyob rau hauv 2022, qhov kev pab cuam qiv nyiaj yog nyob rau hauv kev txhim kho. Thaum lub tuam tsev tseem ceeb (cov no yog Ministry of Finance, Ministry of Economic Development thiab Ministry of Industry thiab Trade) ua haujlwm tawm tag nrho cov ntsiab lus thiab cov kev cai, thiab tom qab ntawd koom tes nrog Prime Minister, tsab cai lij choj ntawm kev lag luam qiv nyiaj yuav raug luam tawm. .

Cov xwm txheej kev qiv nyiaj lag luam

Tam sim no tsis muaj tag nrho cov nqe lus thiab cov cai rau cov nyiaj txais los ntawm lub xeev no. Ib qho yog qhov tseeb - tus nqi yuav yog 5% ib xyoos twg, raws li tau tshaj tawm los ntawm Thawj Kav Tebchaws Mikhail Mishustin. 

- Hom kev qiv no yog tsom rau kev txhawb nqa kev lag luam hauv kev lag luam, nrog rau SMEs (cov lag luam me thiab nruab nrab). Nws yog lawv leej twg yuav muaj peev xwm coj kom zoo dua ntawm qhov kev pab cuam qiv nyiaj tshiab. Tsis tas li ntawd, cov neeg tsim khoom ntawm kev lag luam vaj tsev - cov neeg tsim khoom ntawm cov chaw ua lag luam thiab cov chaw ua lag luam thev naus laus zis - kuj poob rau hauv "kev lag luam qiv nyiaj qiv nyiaj" program," said Polina Merkeeva.

Lub txhab nyiaj xav tau rau cov qiv nyiaj

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.

Lub txhab nyiaj xav tau rau vaj tse

Cov nyiaj qiv tshwj xeeb yuav raug muab tso rau kev yuav khoom npaj tsim los ntawm cov neeg tsim khoom lag luam (cov neeg tsim khoom). Ntawd yog, nws yog ib hom kev qiv nyiaj rau cov tuam tsev tshiab.

Muaj cov kev pab cuam qiv nyiaj

Tam sim no peb paub txog ob txoj haujlwm ntawm kev qiv qiv nyiaj. Thawj yog rau kev lag luam uas xav yuav lub xaib tshiab. Rau lawv, qiv nyiaj ntawm 5% ntawm tus nqi txog li 500 lab rubles, txog li xya xyoo.

Qhov thib ob kev lag luam qiv nyiaj yog rau cov neeg tsim khoom (cov neeg tsim khoom) uas tsim cov chaw tsim khoom. Lawv yuav muab txog li 2 billion rubles, txog li kaum xyoo.

- Cov thawj coj hauv cheeb tsam ntawm cheeb tsam Tver yog qhov nthuav¹. Lawv tab tom siv lawv tus kheej "kev lag luam qiv nyiaj qiv nyiaj" program. Lub hom phiaj: los txhawb kev lag luam hauv kev tsim kho thaj chaw tshiab, warehouses, nrog rau kev tau txais cov khoom npaj ua lag luam thiab chaw xa khoom. Cov nyiaj qiv hauv qhov no yog li ntawm 20 txog 80 lab rubles rau lub sijhawm kaum xyoo ntawm 1% ib xyoos twg, tab sis nrog kev lav nyiaj txiag. Nyob rau tib lub sijhawm, cov txheej txheem rau kev xaiv cov haujlwm, nrog rau cov kev xav tau rau cov neeg qiv, tau tsim. Nyob rau hauv lub neej yav tom ntej, qhov kev pab cuam no kuj yuav raug coj los ua lub hauv paus ntawm tsoom fwv teb chaws cov kev pab cuam qiv nyiaj.

Daim ntawv teev cov tsev txhab nyiaj uas koj tuaj yeem tau txais kev lag luam qiv nyiaj

Thaum qhov kev txiav txim siab ntawm promipoteka tau tshaj tawm thiab cov txheej txheem ntawm kev pab nyiaj tau pom meej meej, cov tsev txhab nyiaj yuav txiav txim siab seb yuav muab cov nyiaj qiv li cas los yog tsis. Nws tuaj yeem xav tias thawj zaug pom zoo rau lawv yuav yog cov neeg ua si loj uas tau raug txiav tawm los ntawm kev rau txim rau kev lag luam txawv teb chaws. Nyob rau hauv cov xwm txheej no, tus naj npawb ntawm lawv cov neeg siv khoom tau txo qis, uas txhais tau hais tias kev tshawb nrhiav tshiab yog qhov cuam tshuam ntau dua li qhov qub.

Tsis tas li ntawd, xws li kev qiv nyiaj yuav muaj txiaj ntsig zoo rau cov tsev txhab nyiaj. Tom qab tag nrho, tus nqi ntawm 5% yog nyiaj pab. Hauv lwm lo lus, lub xeev yuav them lub txhab nyiaj ntxiv rau tus neeg qiv nyiaj.

Yuav ua li cas kom tau txais kev lag luam qiv nyiaj

Cov lus qhia no yog ua ntej, raws li kev xav txog yuav ua li cas cov nyiaj qiv nyiaj yuav ua haujlwm. Tam sim no tsis muaj kev cai lij choj. Thaum nws tshwm sim, peb yuav hloov kho cov khoom siv.

1. Sau ib pob ntawm cov ntaub ntawv

Thaum qiv rau kev lag luam, tsev txhab nyiaj nug:

• sau ib daim ntawv nyob rau hauv daim ntawv ntawm ib tug bank;
• muab cov ntaub ntawv sau npe thiab cov ntaub ntawv pov thawj ntawm ib tus neeg raug cai lossis tus neeg ua lag luam;
• qhia txog nyiaj txiag;
• cov ntaub ntawv lag luam.

Xav tias qhov no yog qiv nyiaj, uas yog, qiv nyiaj tau txais kev nyab xeeb los ntawm cov khoom vaj tse, cov ntaub ntawv los ntawm tus tsim tawm yuav xav tau, nrog rau kev ntsuam xyuas tus nqi ntawm qhov chaw ua haujlwm.

2. Xaiv lub txhab nyiaj

Txoj kev yooj yim tshaj plaws rau cov lag luam ua haujlwm nrog cov tuam txhab nyiaj txiag uas lawv twb muaj tus account tam sim no. Nws muaj peev xwm hais tias cov tsev txhab nyiaj yuav qiv ntawm tus nqi qis dua. Vim tias 5% yog tus nqi siab tshaj plaws. Txhawm rau "lure" kev lag luam rau nws tus kheej, qhov feem pua ​​​​ntawm ib xyoo tuaj yeem raug txo.

3. Tos kom pom zoo thiab kaw qhov deal

Thaum tag nrho cov ntaub ntawv npaj txhij thiab tus qiv nyiaj raug xaiv, txhua yam uas tseem tshuav yog kom tau txais kev pom zoo. Nyob rau hauv cov ntaub ntawv ntawm kev lag luam qiv, cov txheej txheem yog ib txwm ntev tshaj li cov neeg siv khoom qiv. Qhov kev pheej hmoo siab dua thiab cov nyiaj qiv nyiaj ntau dua. Txawm li cas los xij, nws kuj tsis muaj txiaj ntsig rau cov tsev txhab nyiaj kom ncua cov txheej txheem.

Cov tswv yim kws txawj

Peb tau nug tus thawj coj ntawm lub tuam tsev vaj tsev ntawm Bugrov & Partners, Polina Merkeeva, qhia nws lub tswv yim ntawm qhov kev pab cuam qiv nyiaj tshiab hauv xyoo 2022.

"Qhov teeb meem kev nom kev tswv tam sim no tau cuam tshuam loj rau kev txhim kho kev lag luam hauv peb lub tebchaws, nrog rau kev xa khoom, vim li ntawd, tau muaj kev hloov pauv ntawm kev lag luam los ntawm sab hnub poob mus rau sab hnub tuaj. 

Yog li, nws tau los ua qhov tsim nyog los txhim kho thaj chaw tshiab thiab tsim kev lag luam hauv thaj tsam ntawm Siberia thiab Far East. Nyob rau hauv no hais txog, nws tau txiav txim siab mus tso tawm qhov kev lag luam mortgages

Muaj kev txhawj xeeb tias cov paj laum tshwj xeeb tsuas yog siv rau thawj xyoo. Tab sis peb yuav tsum tau tos rau kev tshaj tawm ntawm kev txiav txim siab raug cai. "

Nrov lus nug thiab lus teb

Qhov chaw ntawm

1. Kev Tsim Kho Kev Lag Luam ntawm Tver Region https://frp69.ru/loans/industrial-mortgage/