Irina Kiviko: Banking anti-crisis products are available for business and citizens in the Crimea
On the territory of the Republic of Crimea, in order to minimize the impact of coronavirus infection on the economy, the main task is to maintain employment and support small and medium-sized business. In order to encourage entrepreneurs not to reduce their staff, the state has introduced special measures to support small business through the banking system and issuing loans for employees ' salaries. The state also provided credit holidays for individuals. Deputy Chairman of the Council of Ministers of the Republic of Crimea – Minister of Finance, recalled Irina Kiviko.
"It has been mentioned a lot about banking anti-crisis products. However, I still think it is important to remind that entrepreneurs can take advantage of "Zero" loans, restructuring of credit agreements. Individuals can also get support in the form of credit holidays, or use a preferential mortgage loan at 6.5%," said Deputy Prime Minister
Irina Kiviko added that as of May 29, 2020, according to the Ministry of economic development of the Republic of Crimea, banks received 3,585 applications for credit holidays from individuals. The total amount of loans which credit holidays are granted for the individuals is 270 million rubles.
834 applications were received from small and medium-sized business and legal entities. The amount of loans provided for "vacations" was 1355.5 million rubles.
We pay your attention on the following banking programs that are operate on the territory of the Republic of Crimea:
1. Preferential interest-free credit was introduced by the Russian Government Decree № 422 of April 2, 2020. Banks can provide loans without interest, due to the support of the Central Bank.
Interest-free loans for payment of wages to employees. The measure applies to legal entities and individual entrepreneurs from the most affected sectors of the economy. At the same time, banks will provide loans for small and microenterprises, taking into account the main and additional All-Russian Classifier of Types of Economic Activity (OKVED). For large and medium-sized companies – only the main one.
The loan amount is limited and calculated using the formula: number of employees (based on employment contracts) * Minimum wage x 6 months.
As of May 29, 2020, 385 loans worth almost 542 million rubles have already been granted in the Republic of Crimea.
The program works in the following banks: «RNCB» PJSC, «Russia» JSC, «GENBANK» JSC.
For getting a loan, you can contact any of the banks listed above. The rules approved by the Government do not require that you need to get borrowed funds only from a Bank where a potential borrower has a salary project.
2. Preferential restructuring for small and medium-sized business
On April 3, 2020, Federal law № 106-FL entered into force, which provides, among other things, for granting credit holidays to individual entrepreneurs and small and medium-sized business that have suffered due to the situation with the spread of coronavirus.
The law provides for a six-month grace period for loan payments. Entrepreneurs can also expect to reduce the total amount of deferred debt due to Federal subsidies for banks, if the credit institution participates in the program of the Ministry of economic development of the Russian Federation.
Now, 834 applications were received by banking structures in the Republic of Crimea. 765 agreements of which were provided credit holidays for 1,355. 5 million rubles.
Not within the framework of Federal law № 106-FL of 03.04.2020, 218 applications were received, 144 agreements of which provided credit holidays for almost 3.5 billion rubles.
The program works in the following banks in the Republic of Crimea: «RNCB» PJSC, «GENBANK» JSC, «Bank CHBDR» JSC, IS Bank, «Russia» JSC.
3. Credit holidays for citizens
Citizens can get deferred payments on loans and borrowings for up to six months if they have suffered from a decline in income due to the coronavirus pandemic (so-called credit holidays) according to Federal law № 106-FL, which provides for the possibility.
First of all, we are talking about consumer credit agreements (loan agreements), including agreements whose obligations are secured by mortgages, concluded before April 3, 2020.
To date, 3,585 applications have been submitted, of which "Сredit holidays" have been processed and granted under 2385 contracts for the amount of 270 million rubles, and 213 applications under contracts for the amount of 96.5 million rubles have been satisfied not within the framework of Federal law № 106-FL of 03.04.2020. Banks: «RNCB» PJSC, «Russia» JSC, «GENBANK» JSC.
4. Mortgage loan under 6.5%
President Vladimir Putin initiated the program of preferential mortgage lending. The condition for obtaining a loan is an initial payment of at least 20% and the loan amount is not more than 3 million rubles. At the same time, the preferential rate will remain throughout the entire loan term. There are no restrictions on the area of real estate and its cost. Mandatory condition − citizenship of the Russian Federation. At the same time, banks have the right to set additional requirements for borrowers: age restrictions, minimum work experience at the last place of work, loan term, and others. Major Russian banks have already joined the program, including in the Crimea: «RNCB» PJSC, «Russia» JSC.
5. Preferential lending for business to resume operations at an interest rate of 2% per annum
The program is regulated by the Decree of the Government of the Russian Federation dated May 16, 2020 № 696 "On approval of the Rules for granting subsidies from the Federal budget to Russian credit organizations to compensate for their lost income on loans issued in 2020 to legal entities and individual entrepreneurs for the resumption of activities".
The company can get a loan from any bank that participates in the program of the Ministry of economic development of the Russian Federation. The list of credit organizations will be updated, now it already includes: «Sberbank» (PJSC), VTB Bank (PJSC), «Promsvyazbank» (PJSC), «RNCB» Bank (JSC), CB «Energotransbank» (JSC), «Kuznetsky» Bank (PJSC), «Yenisei United Bank» (JSICB), «Ak Bars Bank» (PJSC), «Chelyabinvestbank» (PJSC), «Chelindbank» (PJSC), CB «Altaiсapitalbank» (LLC), JSCB «Energobank» (JSC), «SIBSOTSBANK» (LLC), «Koshelev-Bank» (JSC), SGB Bank (JSC), «NBD-BANK» (PJSC), «Databank» (JSC), «SME Bank» (JSC), CB «Kuban credit» (LLC).
6. It operates regional financial instruments for support of business in the region:
- a microloan «Skoriy»;