\nBanca estimeaz\u0103 c\u0103 circa 150 de firme mici \u015fi mijlocii vor putea atrage astfel de \u00eemprumuturi, cu dob\u00e2nd\u0103 de 6,9% pe an, compus\u0103 din indicele Robor la trei luni \u015fi o marj\u0103 de 3,5%. “Una din principalele probleme \u00eent\u00e2mpinate de IMM-uri \u00een ob\u0163inerea finan\u0163\u0103rii este legat\u0103 de garan\u0163ii. Sectorul privat din Rom\u00e2nia este \u00eenc\u0103 unul t\u00e2n\u0103r \u015fi nu a avut timp \u015fi nici contextul favorabil, dac\u0103 ne g\u00e2ndim la ultimii ani de criz\u0103, pentru a acumula capital. Garan\u0163ia oferit\u0103 prin FNGCIMM, de p\u00e2n\u0103 la 50% din valoarea creditului, rezolv\u0103 aceast\u0103 problem\u0103 pentru mare parte din antreprenori”, a declarat Anca B\u0103la\u015fu, \u015feful departamentului Dezvoltare produse Persoane Juridice \u00een cadrul Volksbank Rom\u00e2nia.<\/p>\n
\nOamenii de afaceri pot contracta finan\u0163area pe maxim trei ani, care poate fi utilizat\u0103 \u00een regim revolving \u00een primii doi ani, urm\u00e2nd ca \u00een ultimul an rambursarea s\u0103 se fac\u0103 \u00een rate constante. O firm\u0103 poate accesa \u00een cadrul programului un \u00eemprumut de maximum cinci milioane lei, jum\u0103tate din sum\u0103 fiind garantat\u0103 de FNGCIMM, care percepe un comision de gestiune de 0,49% anual \u015fi un comision de risc aferent garan\u0163iei de stat de 1,5% pe an.<\/p>\n","protected":false},"excerpt":{"rendered":"
IMM-urile vor putea contracta de la Volksbank \u00eemprumuturi pentru finan\u0163area capitalului de lucru \u00een limita unui plafon total maxim de 47,3 milioane lei, cu garan\u0163ii reduse la jum\u0103tate, \u00een cadrul programului derulat de Fondul Na\u0163ional de Garantare a Creditelor pentru IMM-uri (FNGIMM).<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[510],"tags":[7267,466,485,472,25340,8789,379,9018,183,8416],"class_list":["post-104652","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-banci","tag-capital","tag-credite","tag-finantare","tag-fngcimm","tag-fond","tag-garantii","tag-imm","tag-imprumut","tag-volksbank"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/104652","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=104652"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/104652\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=104652"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=104652"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=104652"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}