Titov has asked the Central Bank to increase the limits under the state program of crediting under 2%
Authorized under the RF President on protection of entrepreneurs ' rights Boris Titov asked the head of the Central Bank Elvira Nabiullina to increase the limits of the state program of loans at 2% to support employment and to make them more accessible to business. Letter of the Ombudsman is available to RIA Novosti.
The head of the Central Bank Elvira Nabiullina earlier in June said that the demand for loans at 2% to support employment is likely to exceed the limits of banks, so the question of their increase is justified, and the controller is ready to discuss it with the government. The President of "OPORA Russia" Alexander Kalinin believes that the limit should increase for at least another 400 billion roubles. On Tuesday, Sberbank said that his limit for the state program increased the amount of 70 billion rubles.
In the letter he notes that this measure of support required by business, and many have already signed contracts with banks and have received the first payment. At the same time, he points to a number of difficulties faced by business when attempting to obtain credit.
For example, Titov draws the attention of the head of the Central Bank that private banks are failing entrepreneurs in accepting applications and issuing loans for the reason of exhaustion of the limits allotted for the state program.
Often in the loan agreement prescribed that preferential loans can be terminated early in case of lack of budget allocations for subsidies to the banks and also in case of receipt of the request from financial control body in respect of a particular borrower. "In this case, for an entrepreneur there is a situation when he is forced to pay for the credit at the basic rate of 15% even under the conditions of employment," writes the business Ombudsman.
In addition, the risky entrepreneurs impose additional conditions of the loan, some banks prescribed in the General conditions of lending. In some cases, impossible to comply with a condition for the conservation of the number of employees in 80-90%, they may be deemed to be outstanding for any reason: the dismissal of the employee at his own request, a maternity leave, moving, also said Titov.