I-Industrial mortgage ngo-2022 Ezweni Lethu

– 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 UPolina Merkeeva.

Sizokutshela ukuthi indlela entsha yokwesekwa kombuso izosebenza kanjani nokuthi kukuphi amabhange okuzokwazi ukuthola imali mboleko yezimboni ngo-2022.

Iyini i-mortgage yezimboni ngamagama alula

I-mortgage yezimboni iyimali ebolekiwe evela ebhange elivikelwe yizindlu ezithengiswayo. Ingathathwa yibhizinisi ukuthenga indawo yezimboni esenziwe ngomumo futhi iqale ukukhiqiza ngokushesha. Le mali yokubolekwa kwempahla isekelwe kuhulumeni, okungukuthi, izoba nenani elikhethekile, eliphansi kunesilinganiso semakethe. Izoxhaswa nguhulumeni.

Into esemqoka mayelana nokubolekwa kwempahla kwezimboni ngokusekelwa kombuso

Isimemezelo Sikahulumeni Semali Ebolekiwe Yezimboni

Idokhumenti ayikashicilelwa. Ngo-2022, uhlelo lwe-industrial mortgage luyathuthukiswa. Uma iminyango ebalulekile (lona uMnyango wezeziMali, uMnyango Wezokuthuthukiswa Komnotho kanye noMnyango Wezimboni Nezohwebo) ucubungula yonke imininingwane nezinhlinzeko, bese uzixhumanisa noNdunankulu, kuzoshicilelwa isimemezelo semali mboleko yezimboni. .

Izimo ze-Industrial mortgage

Okwamanje ayikho imigomo nemibandela egcwele yalesi sikweletu esisekelwa uhulumeni. Into eyodwa eqinisekile - izinga lizoba ngu-5% ngonyaka, njengoba kumenyezelwe uNdunankulu uMikhail Mishustin. 

— Lolu hlobo lokuboleka kuhloswe ngalo ukusekela amabhizinisi emkhakheni wezimboni, kanye nama-SME (amabhizinisi amancane naphakathi nendawo). Yibo abazokwazi ukusizakala ngohlelo olusha lwezikweletu. Ngaphezu kwalokho, abathuthukisi bezindawo ezithengiswayo zezimboni - abathuthukisi bamapaki ezimboni kanye namapaki ezobuchwepheshe bezimboni - nabo bawela ngaphansi kohlelo "lwe-industrial mortgage"," kusho uPolina Merkeeva.

Izidingo zebhange kubaboleki

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.

Izidingo zebhange zezindlu ezithengiswayo

Izimali mboleko ezikhethwayo zizokhishwa ukuze kuthengwe amasayithi okukhiqiza esenziwe ngomumo kubathuthukisi bezimboni (abakhi). Okusho ukuthi, kuwuhlobo lwe-mortgage ezakhiweni ezintsha zezimboni.

Izinhlelo ze-Industrial mortgage

Manje sesazi ngezinhlelo ezimbili zokubolekwa kwemvume. Eyokuqala eyezimboni ezifuna ukuthenga isiza esisha. Kubo, i-mortgage engu-5% enani lama-ruble ayizigidi ezingu-500, kuze kube yiminyaka eyisikhombisa.

Uhlelo lwesibili lokubolekwa kwezindlu zezimboni olonjiniyela (abakhi) abakha izindawo zezimboni. Bazonikezwa ama-ruble ayizigidi eziyizinkulungwane ezimbili, kuze kube iminyaka eyishumi.

- Isinyathelo sesifunda sesifunda saseTver siyathakazelisa¹. Basebenzisa olwabo uhlelo lwe “industrial mortgage”. Inhloso: ukuxhasa amabhizinisi ekwakhiweni kwezakhiwo ezintsha zezimboni, izindawo zokugcina izimpahla, kanye nokutholwa kwezakhiwo esezivele zenziwe yizimboni kanye nempahla. Inani lemalimboleko kuleli cala lisuka kuma-ruble ayizigidi ezingu-20 kuya kwezingu-80 isikhathi esiyiminyaka eyishumi ku-1% ngonyaka, kodwa ngeziqinisekiso zezimali. Ngesikhathi esifanayo, izindlela zokukhetha amaphrojekthi, kanye nezidingo zomboleki, zathuthukiswa. Ngokuzayo, lolu hlelo lungabuye luthathwe njengesisekelo sohlelo lwe-federal industrial mortgage.

Uhlu lwamabhange lapho ungathola khona i-mortgage yezimboni

Lapho isinqumo se-promipoteka sishicilelwe futhi indlela yokuxhaswa icacile, amabhange azonquma ukuthi akhiphe imali enjalo noma cha. Kungacatshangwa ukuthi abazoqala ukuvumelana nabo kuzoba ngabadlali abakhulu abanqanyulwe unswinyo ezimakethe zangaphandle. Ngaphansi kwalezi zimo, inani lamakhasimende abo lehlile, okusho ukuthi ukusesha okusha kubaluleke kakhulu kunangaphambili.

Ngaphezu kwalokho, i-mortgage enjalo inenzuzo kumabhange. Phela izinga lika-5% liyaxhaswa. Ngamanye amazwi, umbuso uzokhokhela ibhange imali eyengeziwe kumboleki.

Ungayithola kanjani i-mortgage yezimboni

Lo myalelo ungowokuqala, usekelwe ekuqageleni kokuthi indlela yokubolekwa kwempahla yezimboni ingasebenza kanjani. Awukho umthethonqubo oqondile njengamanje. Ngokushesha nje lapho kuvela, sizobuyekeza okuqukethwe.

1. Qoqa iphakethe lamadokhumenti

Uma uboleka ibhizinisi, amabhange ayabuza:

• gcwalisa ifomu ngendlela yebhange;
• ukuhlinzeka ngokubhaliswa kanye nemibhalo eyisisekelo yenhlangano esemthethweni noma usomabhizinisi ngamunye;
• ukubika ngezezimali;
• imibhalo yebhizinisi.

Uma kucatshangelwa ukuthi lokhu kuyimali yokubolekwa, okungukuthi, imali mboleko ivikelwe into yezindlu, amadokhumenti avela kumthuthukisi cishe azodingeka, kanye nokuhlolwa kwezindleko zesizinda sezimboni.

2. Khetha ibhange

Indlela elula yokuthi amabhizinisi asebenzisane nezikhungo zezezimali lapho asebenayo i-akhawunti yamanje. Kungenzeka ukuthi amabhange azoboleka ngenani eliphansi. Ngoba 5% izinga eliphezulu. Ukuze "ukuheha" ibhizinisi ngokwalo, iphesenti ngonyaka lingancishiswa.

3. Lindela ukugunyazwa bese uvala isivumelwano

Uma wonke amadokhumenti eselungile futhi umabolekisi ekhethiwe, okusele ukuthola imvume. Endabeni yemali mboleko yebhizinisi, inqubo ihlala isikhathi eside kunasekubolekweni kwabathengi. Izingozi ziphezulu futhi amanani emalimboleko makhulu. Kodwa-ke, akusizi futhi ukuthi amabhange abambezele inqubo.

Isazi Amathiphu

Sicele inhloko yomnyango wezindlu e-Bugrov & Partners, u-Polina Merkeeva, ukuthi aveze umbono wakhe ngohlelo olusha lwe-industrial mortgage ngo-2022.

“Isimo sezepolitiki esikhona njengamanje sibe nomthelela omkhulu ekuthuthukisweni kwezimboni ezweni lethu, kanjalo nezokuthuthwa kwempahla, ngenxa yalokho, kube nokuhlehliswa kabusha kokuhwebelana kusuka entshonalanga kuya empumalanga. 

Ngakho-ke, kwadingeka ukuthi kuthuthukiswe izindawo ezintsha zezwe futhi kuthuthukiswe imboni ezindaweni zaseSiberia naseMpumalanga Ekude. Mayelana nalokhu, kwanqunywa ukuthi kuqaliswe ukukhishwa kwezindlu ezibolekwa yizimboni

Kunokukhathazeka ngokuthi izinga lenzalo elincanyelwayo lizosebenza kuphela onyakeni wokuqala. Kodwa kumele silinde ukushicilelwa kwesinqumo esisemthethweni.”

Imibuzo nezimpendulo ezidumile

Imithombo ye

1. Isikhwama Sokuthuthukisa Imboni Yesifunda sase-Tver https://frp69.ru/loans/industrial-mortgage/