Industrial mortgage muna 2022 muNyika Yedu

-Kudzoka kutanga kwaChikumi 2022, Mutungamiriri Mikhail Mishustin akaraira Bazi reIndasitiri neBhizinesi, Ministry of Finance, uye Ministry of Economic Development yeFederation kuti vagadzire chiyero chitsva chekutsigira nyika. Yakaunzwa kuSPIEF 2022 uye yave kutomutsa kufarira kukuru pakati pevamiriri vemabhizinesi madiki nepakati, "anodaro mukuru wedhipatimendi rezvivakwa kuBugrov and Partners. Polina Merkeeva.

Tichakuudza kuti nhanho nyowani yekutsigira nyika ichashanda sei uye mumabhangi zvazvingaite kuti uwane imba yeindasitiri muna 2022.

Chii chinonzi mortgage yeindasitiri mumashoko akareruka

Indasitiri mortgage chikwereti chemari kubva kubhangi rakachengetedzwa nereal estate. Inogona kutorwa nebhizinesi kutenga yakagadzirira-yakagadzirwa nzvimbo yeindasitiri uye nekukurumidza kutanga kugadzira. Iyi mortgage ine rutsigiro rwehurumende, ndiko kuti, ichava nechiyero chakasarudzika, icho chakaderera pane avhareji yemusika. Ichatsigirwa nemari nehurumende.

Chinhu chikuru pamusoro pezvikwereti zvemaindasitiri nerutsigiro rwehurumende

Chirevo cheHurumende paIndasitiri Mortgage

Gwaro harisati raburitswa. Muna 2022, iyo maindasitiri emortgage chirongwa chiri pasi pekuvandudzwa. Kana madhipatimendi akakosha (aya ari Bazi reMari, Ministry of Economic Development uye Ministry of Indasitiri neTrade) anoburitsa zvese zvese nezvirongwa, obva azvibatanidza neMutungamiriri wehurumende, chirevo chemari yemaindasitiri chichaburitswa. .

Industrial mortgage mamiriro

Parizvino hapana mazwi akazara uye mamiriro echikwereti ichi chinotsigirwa nehurumende. Chinhu chimwe chine chokwadi - chiyero chichava 5% pagore, sezvakaziviswa neMutungamiriri Mikhail Mishustin. 

— Rudzi urwu rwekukweretesa rwakanangana nekutsigira mabhizinesi muchikamu cheindasitiri, pamwe nemaSME (mabhizinesi madiki neari pakati nepakati). Ndivo vachakwanisa kutora mukana wechirongwa chitsva chechikwereti. Uye zvakare, vanogadzira maindasitiri real estate - vanogadzira mapaki eindasitiri nemapaki tekinoroji tekinoroji - zvakare vanowira pasi pechirongwa che "industrial mortgage"," akadaro Polina Merkeeva.

Bank zvinodiwa kune vanokwereta

Zviripachena, zvikwereti zvichapihwa kune vagari vemutero veFederation - ndiko kuti, kambani inobhadhara yakawanda yemutero muNyika Yedu. Kubva pazita rekuti "maindasitiri", tinogona kugumisa kuti zvikwereti zvichapihwa ne LLC. Vanamuzvinabhizimisi voga voga vachatsigirwa here? Zvinogoneka.

Panogona kunge paine zvinodiwa pahuwandu hwemari yegore negore yekambani uye nguva yebasa rebhizinesi - nemamwe mazwi, kuti kambani yanga iripo kwenguva yakareba sei uye yanga ichishanda. Chokwadi ivo vanozofunga nezverudzi rwebasa remukwereti: padikidiki, inofanirwa kuenderana nemutemo weFederation. Sepamusoro, runyorwa rwakati rwemaindasitiri anogona kukodzera kuwana mari yembavha yeindasitiri inogona kuoneka.

Bank zvinodiwa kuti real estate

Zvikwereti zvakasarudzika zvichapihwa kutengwa kweakagadzirira-akagadzirwa nzvimbo dzekugadzira kubva kune vanogadzira maindasitiri (vavaki). Ndiko kuti, imhando yemortgage pazvivakwa zvitsva zveindasitiri.

Industrial mortgage zvirongwa

Iye zvino tava kuziva nezvezvirongwa zviviri zvekukweretesa. Yekutanga ndeye maindasitiri anoda kutenga saiti nyowani. Kwavari, chikwereti che 5% muhuwandu hunosvika mamiriyoni mazana mashanu rubles, kusvika kumakore manomwe.

Yechipiri indasitiri yemortgage chirongwa ndeyevagadziri (vavaki) vanovaka zvivakwa zveindasitiri. Vachapiwa kusvika mabhiriyoni maviri rubles, kwemakore gumi.

- Iyo yedunhu danho redunhu reTver rinonakidza¹. Vari kuita yavo “industrial mortgage” chirongwa. Chinangwa: kutsigira mabhizinesi mukuvaka kwezvivakwa zvitsva zveindasitiri, matura, pamwe nekutorwa kweakagadzirira-akagadzirwa maindasitiri uye Logistics nzvimbo. Mari yechikwereti munyaya iyi inotangira pa20 kusvika ku80 miriyoni rubles kwenguva yemakore gumi pa1% pagore, asi ine mari yekuvimbisa. Panguva imwecheteyo, maitiro ekusarudza mapurojekiti, pamwe chete nezvinodiwa kune anokwereta, akagadzirwa. Mune ramangwana, chirongwa ichi chinogona zvakare kutorwa sehwaro hweiyo federal industrial mortgage program.

Rondedzero yemabhangi kwaunogona kuwana indasitiri yemortgage

Apo chisarudzo pamusoro pepromipoteka chinobudiswa uye nzira yekubhadhara mari yakanyatsojeka, mabhangi achasarudza kana kubudisa zvikwereti zvakadaro kana kwete. Zvinogona kufungidzirwa kuti vachatanga kubvumirana navo vachave vatambi vakuru vakagurwa nezvirango pamisika yekunze. Pasi pemamiriro ezvinhu aya, nhamba yevatengi vavo yakaderera, izvo zvinoreva kuti kutsvaga zvitsva kunonyanya kukosha kupfuura kare.

Uyezve, chikwereti chakadaro chinobatsira kumabhangi. Mushure mezvose, chiyero che5% chinotsigirwa. Mune mamwe mazwi, nyika ichabhadhara bhangi rekuwedzera kune akakwereta.

Nzira yekuwana sei indasitiri yemortgage

Murairo uyu ndewekutanga, zvichibva pafungidziro yekuti maindasitiri emortgage angashanda sei. Iko hakuna murairo chaiwo izvozvi. Pazvinongoonekwa, tichavandudza zvinyorwa.

1. Unganidza pasuru yemagwaro

Kana uchikweretesa kune bhizinesi, mabhangi anobvunza:

• zadza fomu nenzira yebhangi;
• kupa kunyoreswa uye zvinyorwa zvinomiririra zvesangano repamutemo kana muzvinabhizimusi wega;
• kushuma kwemari;
• magwaro ebhizinesi.

Tichifunga kuti ichi chikwereti, ndiko kuti, chikwereti chakachengetedzwa nechinhu cheimba, zvinyorwa kubva kumugadziri zvichange zvichidikanwa, pamwe nekuongororwa kwemutengo wenzvimbo yeindasitiri.

2. Sarudza bhangi

Iyo iri nyore nzira yekuti mabhizinesi ashande nemasangano emari mavanotova neazvino account. Zvinokwanisika kuti mabhanga achakweretesa nemutengo wakaderera. Nekuti 5% ndiyo yakanyanya mwero. Kuti "kukwevera" bhizinesi kune iro pacharo, iyo muzana pagore inogona kuderedzwa.

3. Mirira kubvumirwa uye kuvhara chibvumirano

Kana magwaro ese agadzirira uye mukweretesi asarudzwa, chasara kuwana mvumo. Panyaya yezvikwereti zvebhizinesi, maitiro anogara akareba kupfuura mukukweretesa kwevatengi. Njodzi dzakakura uye mari yechikwereti yakakura. Nekudaro, hazvibatsire zvakare kuti mabhanga anonoke maitiro.

nyanzvi Mazano

Takabvunza mukuru wedhipatimendi rezvivakwa kuBugrov & Partners, Polina Merkeeva, kuti ataure maonero ake pachirongwa chitsva chekukweretesa maindasitiri muna 2022.

“Mamiriro akaita zvinhu munyaya dzezvematongerwo enyika akanganisa zvikuru kusimukira kwemaindasitiri munyika yedu, pamwe nekufambiswa kwemabasa, zvave kuita kuti pave nekuvandudzwa kwekutengeserana kubva kumadokero kuenda kumabvazuva. 

Saka, zvakave zvakakosha kuvandudza nzvimbo itsva dzenzvimbo uye kusimudzira indasitiri munzvimbo dzeSiberia neFar East. Panyaya iyi, zvakasarudzwa kutanga kuburitswa kwezvikwereti zvemaindasitiri

Pane kutyira kuti mubereko wakasarudzika unongoshanda kune gore rekutanga. Asi isu tinofanirwa kumirira kuburitswa kwechisarudzo chepamutemo. "

Mibvunzo nemhinduro dzakakurumbira

Zvitubu zve

1. Industrial Development Fund yedunhu reTver https://frp69.ru/loans/industrial-mortgage/