For the first two weeks of the program of preferential car loans at 2% per annum, the banks approved the application on 119 billion. in fact, such loans, according to the Ministry, the 20 billion rubles In the office of the business Ombudsman Boris Titov, in turn, reported that now 17% of the applications of the entrepreneurs is rejected. More than half of the refusals without explanation and opportunities to challenge them.The economy Ministry reported today that for the first two weeks of the program of preferential car loans banks approved the application for these loans to 119 billion rubles in fact issued by 16.4 thousand loans worth RUB 20 billion we will Remind that the loans under 2% are granted to companies operating in the sectors recognized as victims in a pandemic coronavirus.It is assumed that the company must repay the loans by April 1, 2021, however, if they manage to save 90% of employees, the loan amount and interest thereon will be written off. If would fall under the reduction is not more than 20% of workers will be charged half of the debt. Banks for compensation of lost income due to the reduced rate, the White house has allocated 5.7 billion rubles, the issuance of loans, however, is not smooth. According to the office of the business Ombudsman Boris Titov, driven by the results of a test purchase of credits 1-9 June, 17% of those entrepreneurs was rejected. A large part of failure (57%) occurred without explanation, that actually makes it impossible to challenge such a decision. The other part failure (36%) associated with the compliance with the terms of such loans. The most common causes are incorrect code of the Russian classifier of economic activities (OKVED), the presence of only one employee in the state or a reduction in the number employed in April, as well as the presence of arrears on other loans.As noted in the message of the business Ombudsman, on the whole, this measure of support is in demand by entrepreneurs and running. They also point to the lack of clear and transparent rules for such support. Among the difficulties is the growth of interest rates in case of inobservance of the requirements for the issuance of credits for any reason. So, even if the employee has resigned or gone on maternity leave, the rate could grow to 12-15% per annum (in the contract it is not defined). Also the business Ombudsman considers non-transparent mechanism of calculating the amounts of loans and limits for their issuance. For example, if you limit the Bank 10 million rubles. on the request of the entrepreneur, which has more than 100 employees, to obtain a soft loan, because it will cover only 88 employees.Eugene Kryuchkov
