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С 27 мая 2019г. Советом директоров АО «Корпорация «МСП» АО КБ "САММИТ БАНК" включен в список уполномоченных банков в рамках Программы стимулирования кредитования субъектов МСП.
Условия предоставления Кредитов в рамках Программы: Получатели Кредитов:
субъекты МСП
самозанятые
лизинговые компании
Величины процентных ставок:
если заемщиком является субъект среднего предпринимательства или лизинговая компания: размер ключевой ставки Банка России, действующей на дату заключения соответствующего кредитного договора, увеличенного на 3 процентных пункта;
если заемщиком является субъект малого предпринимательства: размер ключевой ставки Банка России, действующей на дату заключения соответствующего кредитного договора, увеличенного на 4 процентных пункта,
если заемщиком является микропредприятие или самозанятый: размер ключевой ставки Банка России, действующей на дату заключения соответствующего кредитного договора, увеличенного на 4,5 процентного пункта.
Условия, при которых процентная ставка по предоставленным Кредитам может быть изменена: изменение процентной ставки по кредитному договору допускается исключительно при соблюдении одного или нескольких из следующих условий (случаев):
при условии изменения процентной ставки по кредитам Банка России, предоставленным в рамках настоящей Программы, обеспеченным поручительствами Корпорации или залогом ОФЗ (в пределах ее изменения);
при условии изменения размера вознаграждения Корпорации (в пределах ее изменения); /li>
в случае невозможности получения уполномоченным банком кредита в Банке России, обеспеченного поручительством Корпорации или залогом ОФЗ в соответствии с настоящей Программой;
в случае предоставления или прекращения предоставления уполномоченному банку субсидии из федерального бюджета или бюджета субъекта Российской Федерации в целях возмещения недополученных им доходов по кредитному договору; /li>
Срок, на который может быть предоставлен Кредит:
До 5 лет
Требования к заемщикам-субъектам МСП:
Сведения о заемщике внесены в Единый Реестр субъектов МСП
Заемщик не относится к субъектам МСП, указанным в части 3 и 4* статьи 14 Федерального закона от 24.07.2007 № 209-ФЗ
Заемщик не связан прямо или через учредителей с долей участи в уставном капитале более 25% с иными юридическими лицами, не относящимися к категории субъектов МСП
Отсутствие возбужденного производства по делу о несостоятельности (банкротстве)
Отсутствие нерезидентов среди лиц, входящих в цепочку собственников
*Указанное требование не распространяется на субъектов МСП:
осуществляющих в качестве основного вида деятельности предпринимательскую деятельность в сфере общественного питания (в рамках классов 56 и 55 раздела I «Деятельность гостиниц и предприятий общественного питания» ОКВЭД)
заключивших в 2022 году кредитные договоры на пополнение оборотных средств и осуществляющих в качестве основного вида деятельности предпринимательскую деятельность:
в сфере розничной и (или) оптовой торговли, при условии, что субъект МСП зарегистрирован и (или) осуществляет такую деятельность на территориях ДФО, СКФО, Республики Крым или г. Севастополя, Арктической зоны
в сфере розничной торговли при условии, что субъект малого предпринимательства является микропредприятием
Срок, обеспечение кредита – по согласованию с Банком, согласно действующим базовым условиям кредитования Банка.
С более подробной информацией Вы можете ознакомиться в отделениях Банка г.Владивосток ул.Красного Знамени, 3 (тел. (423) 2468303, г.Большой Камень ул.Гагарина, 37 (тел. (42335) 55491, а также на официальном сайте АО «Федеральная корпорация по развитию малого и среднего предпринимательства» (Корпорация МСП)
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