to Get a loan will legal entities and individual entrepreneurs who have employees and who operate in the affected industries. Also, the head of the Ministry of economic development Maxim Reshetnikov at the meeting with the Prime Minister, it is proposed to include in the program a number of additional activities that are directly tied to the consumer market relate to the production of goods, clothing, shoes, furniture. Micro and small enterprises for their right to concessional lending will be able to confirm a primary or secondary economic activity, and large companies in the core.
the size of the loan will be determined based on the number of employees on June 1, multiplied by the minimum wage and by the number of months from the date of conclusion of the credit agreement until December 1, but a maximum of six months. It is assumed that the loan company will be able to choose gradually: a month is not more than the amount in the amount of one minimum wage multiplied by the number of employees. Funding to organizations will be allowed to use both for salaries and for the refinancing of already taken loans under the payroll lending at 0%.
– Here you can give businesses the choice between one minimum wage monthly for six months, or two minimum wages in the three months to the entrepreneurs themselves identified the most convenient way, he made a proposal to the Chairman of the government Mikhail Mishustin. Here I risk not see, but it will give more freedom to the business to maneuver.
“the Cost of credit for businesses will amount to 2 percent. This is significantly lower than the existing rates,” – said Reshetnikov. Pay interest monthly not required – they will be added to the principal amount.
After December 1, they will have three months to decide the fate of the loan. It or have to suppress themselves or can be blamed, but it is necessary to fulfil one condition. “If on March 1, 2021 the company has kept employment for at least 90 percent of what it was on June 1, 2020, the credit will be deducted in full, – said the head of Ministry of economic development. – If the number is preserved in the amount of not less than 80 percent, will be charged half of the loan.”
All write-offs should be conducted before April 1, 2021. Prior to this date all borrowers are guaranteed to keep rates at 2 percent, but after it will be the market.
