{"id":3674,"date":"2020-03-20T13:32:28","date_gmt":"2020-03-20T13:32:28","guid":{"rendered":"http:\/\/www.ube.cat\/web\/2020\/03\/20\/preguntes-frequents-en-lambit-del-financament-en-relacio-als-efectes-del-covid-19\/"},"modified":"2020-03-20T13:32:28","modified_gmt":"2020-03-20T13:32:28","slug":"preguntes-frequents-en-lambit-del-financament-en-relacio-als-efectes-del-covid-19","status":"publish","type":"post","link":"https:\/\/www.ube.cat\/web\/2020\/03\/20\/preguntes-frequents-en-lambit-del-financament-en-relacio-als-efectes-del-covid-19\/","title":{"rendered":"Preguntes freq\u00fcents en l’\u00e0mbit del finan\u00e7ament en relaci\u00f3 als efectes del Covid-19"},"content":{"rendered":"\n
\"\"<\/figure>\n\n\n\n

1) A qui va adre\u00e7at la l\u00ednia d\u2019avals de l\u2019ICF i Avalis?<\/strong><\/p>\n\n\n\n

Empreses i aut\u00f2noms que hagin vist afectada la seva activitat per la situaci\u00f3 d\u2019emerg\u00e8ncia del Covid-19 i que no estiguin fent reduccions de plantilla.<\/p>\n\n\n\n

2) Quines condicions s\u2019exigeixen per accedir a aquests pr\u00e9stecs?<\/strong><\/p>\n\n\n\n

Els condicionants b\u00e0sics del pr\u00e9stec s\u00f3n mantenir la plantilla i els compromisos de pagament. I que la tresoreria de l\u2019empresa s\u2019hagi vist afectada per l\u2019actual situaci\u00f3 alarma del Covid-19 (caiguda comandes, impagaments,…).<\/p>\n\n\n\n

3) On podem adre\u00e7ar-nos per tramitar aquests pr\u00e9stecs?<\/strong><\/p>\n\n\n\n

Cal anar a l\u2019entitat financera que l\u2019empresa consideri, ja sigui la seva habitual o alguna nova que li pugui convenir.  <\/p>\n\n\n\n

4) \u00c9s compatible el pr\u00e9stec amb un expedient de regulaci\u00f3 temporal d\u2019ocupaci\u00f3 (ERTO)?<\/strong><\/p>\n\n\n\n

S\u00ed, ja que l\u2019objectiu de l\u2019expedient temporal \u00e9s mantenir la plantilla mitjan\u00e7ant la suspensi\u00f3 dels contractes de treball i no la seva extinci\u00f3.<\/p>\n\n\n\n

5) Podem aplicar el pr\u00e9stec a pagaments de quotes que ens vencin d\u2019altres compromisos financers?<\/strong><\/p>\n\n\n\n

S\u00ed. L\u2019important \u00e9s que l\u2019empresa pugui fer front als seus compromisos financers i que l\u2019economia en general es vegi com menys afectada millor.<\/p>\n\n\n\n

6) Si d\u2019aqu\u00ed un temps, abans del venciment, no necessitem el pr\u00e9stec, tenim costos de cancel\u00b7laci\u00f3 de l\u2019aval?<\/strong><\/p>\n\n\n\n

Per aquesta l\u00ednia no hi ha comissi\u00f3 de cancel\u00b7laci\u00f3<\/strong> de l\u2019aval.<\/p>\n\n\n\n

7) Quin \u00e9s l\u2019import que puc sol\u00b7licitar?<\/strong><\/p>\n\n\n\n

L\u2019empresa ha de sol\u00b7licitar l\u2019import en funci\u00f3 de la caiguda esperada de les entrades de tresoreria derivada de la situaci\u00f3 d\u2019alarma del Covid-19, pels diferents conceptes que li afectin (caiguda de comandes, impagaments…).<\/p>\n\n\n\n

8) <\/strong>Quines opcions de finan\u00e7ament tenen els aut\u00f2noms i les microempreses?<\/strong><\/p>\n\n\n\n

Les microempreses i els aut\u00f2noms poden rec\u00f3rrer a la l\u00ednia d\u2019avals habitual<\/strong> que la Generalitat de Catalunya ofereix a trav\u00e9s de l\u2019ICF i Avalis. Per a m\u00e9s informaci\u00f3 fes clic aqu\u00ed. <\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

1) A qui va adre\u00e7at la l\u00ednia d\u2019avals de l\u2019ICF i Avalis? Empreses i aut\u00f2noms que hagin vist afectada la seva activitat per la situaci\u00f3 d\u2019emerg\u00e8ncia del Covid-19 i que no estiguin fent reduccions de plantilla. 2) Quines condicions s\u2019exigeixen per accedir a aquests pr\u00e9stecs? Els condicionants b\u00e0sics del pr\u00e9stec s\u00f3n mantenir la plantilla i…<\/p>\n

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