Amaahda warshadaha ee 2022 ee Dalkeena

– 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.

Waxaan kuu sheegi doonaa sida cabbirka taageerada gobolka ee cusub uu u shaqeyn doono iyo bangiyada ay suurtagal tahay in lagu helo amaahda warshadaha 2022.

Waa maxay amaahda warshadaha ee erayada fudud

Amaahda warshaduhu waa deyn lacag caddaan ah oo laga helo bangi uu ku hubsaday hanti ma-guurto ah. Waxay qaadan kartaa ganacsi si ay u iibsadaan goob warshadeed oo diyaar ah oo si dhakhso ah u bilaabo wax soo saarka. Amaahdaani waxay la socotaa taageerada gobolka, taas oo ah, waxay yeelan doontaa qiime la doorbido, kaas oo ka hooseeya celceliska suuqa. Waxa maalgelin doona dawladda.

Waxa ugu muhiimsan ee ku saabsan amaahda warshadaha ee taageerada gobolka

Wareegto Dawladdu Ku Saabsan Tahay Amaahda Warshadaha

Dukumeentiga weli lama daabicin 2022, barnaamijka amaahda guryaha ee warshadaha ayaa ku socda horumar. Marka waaxaha muhiimka ah (kuwaas oo kala ah Wasaaradda Maaliyadda, Wasaaradda Horumarinta Dhaqaalaha iyo Wasaaradda Warshadaha iyo Ganacsiga) ay soo diyaariyaan dhammaan tafaasiisha iyo qodobbada, ka dibna ay la shaqeeyaan Ra’iisul Wasaaraha, waxaa la soo saari doonaa wareegto ku saabsan deyn bixinta warshadaha. .

Xaaladaha amaahda warshadaha

Hadda ma jiraan shuruudo iyo shuruudo dhammaystiran oo deyntan ay dawladdu taageerto. Hal shay ayaa la hubaa - sicirku wuxuu noqon doonaa 5% sanadkii, sida uu ku dhawaaqay Ra'iisul Wasaaraha Mikhail Mishustin. 

- Amaahda noocaan ah waxaa loogu talagalay in lagu taageero shirkadaha ganacsiga ee qaybta warshadaha, iyo sidoo kale SMEs (shirkadaha yaryar iyo kuwa dhexdhexaadka ah). Iyaga ayaa awood u yeelan doona inay ka faa'iidaystaan ​​barnaamijka cusub ee deynta. Intaa waxaa dheer, horumarinta hantida maguurtada ah ee warshadaha - horumarinta beeraha warshadaha iyo beeraha tignoolajiyada warshadaha - waxay sidoo kale hoos yimaadaan barnaamijka "amaahda warshadaha", ayay tiri Polina Merkeeva.

Shuruudaha bangiga ee deyn-bixiyeyaasha

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.

Shuruudaha bangiga ee hantida maguurtada ah

Amaahda mudnaanta leh ayaa loo soo saari doonaa iibsashada goobaha wax-soo-saarka ee diyaarsan ee horumarinta warshadaha (dhisayaasha). Taasi waa, waa nooc ka mid ah guryaha guryaha ee warshadaha cusub.

Barnaamijyada amaahda warshadaha

Hadda waxaynu og nahay laba barnaamij oo amaahda heshiisyada ah. Midka ugu horreeya waxaa loogu talagalay warshadaha doonaya inay iibsadaan goob cusub. Iyaga, amaahda 5% ee qadarka ilaa 500 milyan oo rubles, ilaa toddoba sano.

Barnaamijka labaad ee amaahda warshadaha waxaa loogu talagalay horumarinta (dhisayaasha) kuwaas oo dhisa xarumaha warshadaha. Waxaa la siin doonaa ilaa 2 bilyan rubles, ilaa toban sano.

- Hindisaha gobolka ee gobolka Tver waa mid xiiso leh¹. Waxay fulinayaan barnaamijkooda "amaahda warshadaha" Ujeeddo: in laga taageero shirkadaha dhismaha dhismayaal cusub oo warshadaha, bakhaarrada, iyo sidoo kale la wareegidda warshadaha diyaarsan iyo saadka. Qadarka deynta kiiskan wuxuu u dhexeeyaa 20 ilaa 80 milyan oo rubi muddo toban sano ah 1% sannadkii, laakiin leh dammaanad lacageed. Isla mar ahaantaana, shuruudaha xulashada mashaariicda, iyo sidoo kale shuruudaha deyn-bixiyaha, ayaa la sameeyay. Mustaqbalka, barnaamijkan waxaa sidoo kale loo qaadan karaa inuu yahay saldhigga barnaamijka amaahda warshadaha ee federaalka.

Liiska bangiyada aad ka heli karto amaahda warshadaha

Marka go'aanka promipoteka la daabaco oo habka kabiddu uu si cad u cad yahay, bangiyada ayaa go'aamin doona in la bixiyo deyntaas iyo in kale. Waxaa la qiyaasi karaa in kuwa ugu horreeya ee ku heshiiya ay noqon doonaan ciyaartoy waaweyn oo laga jaray cunaqabataynta suuqyada shisheeye. Xaaladahan, tirada macaamiishooda ayaa hoos u dhacday, taas oo macnaheedu yahay in raadinta kuwa cusub ay ka sii badan tahay weligeed.

Waxaa intaa dheer, amaahda noocan oo kale ah waxay faa'iido u leedahay bangiyada. Ka dib oo dhan, heerka 5% waa la kabo. Si kale haddii loo dhigo, gobolku wuxuu bixin doonaa bangiga amaahiyaha dheeraadka ah.

Sida loo helo amaahda warshadaha

Tilmaamahani waa horudhac, oo ku salaysan malo-awaal ku saabsan sida habka amaahda wershadaha uu u shaqayn karo. Ma jiro sharci sax ah hadda. Isla marka ay soo baxdo, waxaanu cusbooneysiin doonaa alaabta.

1. Ururi xirmo dukumeenti ah

Marka aad ganacsi amaahinayso, baananyadu waxay waydiiyaan:

• buuxi foom qaab bangi ah;
• Bixinta diiwaangelinta iyo dukumentiyada ka kooban hay'ad sharci ah ama ganacsade shaqsi;
• warbixinta maaliyadeed;
• dukumentiyada ganacsiga.

Iyadoo la tixgelinayo in tani ay tahay deyn, taas oo ah, amaahda waxaa lagu xafiday shay hanti maguurto ah, dukumeenti ka yimid horumariyaha ayaa inta badan loo baahan doonaa, iyo sidoo kale qiimeynta qiimaha goobta warshadaha.

2. Dooro bangi

Habka ugu fudud ee ganacsiyada ay ula shaqeeyaan hay'adaha maaliyadeed ee ay horay ugu lahaayeen xisaab hadda. Waa suurtogal in bangiyadu ay ku amaahiyaan qiimo hoose. Sababtoo ah 5% waa heerka ugu sarreeya. Si loo "soo jiito" ganacsiga laftiisa, boqolkiiba sannadkii waa la dhimi karaa.

3. Sug oggolaanshaha oo xidh heshiiska

Marka dhammaan dukumeentiyadu diyaar yihiin oo deyn-bixiyuhu la doorto, waxa hadhay oo dhan waa in la helo oggolaansho. Marka laga hadlayo deymaha ganacsiga, nidaamku had iyo jeer wuu ka dheer yahay amaahinta macaamiisha. Khatarta ayaa aad u badan, dayntana waa ka badan tahay. Si kastaba ha ahaatee, sidoo kale faa'iido ma leh bangiyada inay dib u dhigaan nidaamka.

Talooyin khabiir

Waxaan waydiisanay madaxa waaxda hantida ma-guurtada ah ee Bugrov & Partners, Polina Merkeeva, inay muujiso fikradeeda ku saabsan barnaamijka amaahda guryaha ee warshadaha ee 2022.

“Xaaladda siyaasadeed ee hadda jirta waxay saamayn weyn ku yeelatay horumarka warshadaha dalkeena, iyo sidoo kale saadka, taasina waxay keentay in dib u habayn lagu sameeyo ganacsiga galbeed ilaa bari. 

Sidaa darteed, waxay noqotay lagama maarmaan in la horumariyo aagag cusub oo juqraafi ah iyo horumarinta warshadaha gobollada Siberiya iyo Bariga Fog. Arrintaas, waxa la go'aamiyay in la bilaabo soo saarista amaahda warshadaha

Waxaa jira walaac laga qabo in dulsaarka doorbidku uu dabaqi doono kaliya sanadka ugu horeeya. Laakiin waxaan u baahanahay inaan sugno daabacaadda go'aanka rasmiga ah."

Su'aalaha iyo jawaabaha caanka ah

Ilaha

1. Sanduuqa Horumarinta Warshadaha ee Gobolka Tver https://frp69.ru/loans/industrial-mortgage/