13 марта
Кирилл Лило: Любое заемное финансирование - платное и обязательно возвратное
Большой частью - это федеральная субсидия, которая по поручению президента была направлена в регионы. Отрадно отметить, что Калининградская область получила самую большую из всех регионов РФ субсидию - это 351 млн руб., в которую по условию этой программы областной бюджет также добавил своё софинансирование и вот 368 млн руб. в виде субсидий поступили в центр «Мой бизнес».
Это средства, которые могут быть использованы и направляются нами на финансирование проектов на предоставление льготных займов под очень низкую процентную ставку. Это программа льготного микрофинансирования.
Суть заключается в том, что калининградским предпринимателям может быть предоставлен льготный займ в сумме от 100 тыс руб. до 5 млн руб. на срок до 3-х лет в обычном режиме. Но, учитывая, что у нас сегодня действует режим повышенной готовности, то пока срок ограничен двумя годами. Но те кто получат и получают эти микрозаймы после снятия режима повышенной готовности мы сможем пролонгировать его, соответственно, до 3-х лет. Процентная ставка - это максимальная на сегодняшний день составляет 4,25 - это ставка ЦБ. Для некоторых категорий она даже уменьшена в половину - это для заявок от IT-компаний. Кроме того, есть отдельный объём финансирования для компаний, которые занимаются, в том числе подакцизными видами деятельности.
Их можно потратить как на приобретение оборудования, основных средств, так и на текущую деятельность: выплату заработных плат, уплату налогов, расчетов с поставщиками, на оплату аренды, в общем на все, что связано с деятельностью компаний на сегодняшний день.
Вообще любое заемное финансирование оно, конечно, хоть и льготное, но платное, как мы уже сказали, по низкой % ставке и обязательно возвратное. Поэтому возвратность должен обеспечивать залог. Чтобы получить займ, конечно, нужно предоставить обеспечение. Оно может быть как от предприятия или предпринимателя, так и от третьих лиц. Но, если заявка до 300 тыс руб., то действует специальная опция так называемое беззалоговое предоставление займов. Поэтому такие примеры как небольшая парикмахерская и может индивидуальный предприниматель. Может обратиться любой субъект малого и среднего предпринимательства. И в ближайшее время, что очень важно, появится возможность получения таких микрозаймов для нового для Калининградской области режима - самозанятых (прим. ред. - налог на профессиональный доход).
*Мнение директора центра «Мой бизнес» в Калининградской области высказано в эфире радиостанции Бизнес ФМ.
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Новости по этой теме
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