Assessment of subsidized loans in 2019 and subsidized loan facilities
The subsidized loans are now being assessed where we will clarify what is meant by a subsidized loan, especially in light of the current economic-political system in 2019. It was a well-known slogan” subsidized loans for all!” The phrase de qua could be a double-edged sword: it is not difficult to find offers of subsidies for”normal” credit institutions. They could be truthful. However, in most cases these are techniques for advertising their financial products that are all but subsidized or presumed loans: they provide for the repayment of all the loan disbursed and the rates are at the market average. Marginal hypotheses of subsidized loans disbursed by private institutions are possible but nonetheless public bodies and/or non-profit organizations intervene who contribute by giving part of the capital and/or interests… This introductory speech serves to establish a principle: the real subsidized loan must strictly come from a public institution. Only this can bear the”losses” caused by the facilities, while pursuing socio-economic development policies in the interest of the community.
Brief description of the various concessions
We continue with a brief description of the various concessions and then end up with the regulatory references shown on another page. As confirmation of the superior assumption, we start with a particular type of concession: the subsidized loan for the birth of a child or baby. It fully satisfies the achievement of the collective interest, consisting, in case, in facilitating the new born and in particular the first child. The subsidized loan for newborns or births of the baby but also for the adopted children was provided for by the 2015 stability law for low-income families for the years 2016 2017 and 2018 and at the expiry of the aforementioned three-year period it will perhaps be extended for another three years that is, for 2019 2020 and 2021. We believe that the nature of subsidized loans can be found precisely from this concession. Let’s see the others.
Forms of subsidized credit
You want in the interest rate that in the semi-restitution of the disbursed capital, we find them primarily in the already treated loan of honor. This provides subsidized loans for businesses and/or craftsmen and traders as well as for young people who choose to start new businesses. Bank for subsidized loans to female entrepreneurship which are always granted for the creation of new companies mainly in”pink”. But in addition to start-ups, even those who already have started activities can ask for financial concessions of various kinds: an example of all are the many national and regional funds which, after participation in the competition, distribute subsidized loans aimed at investments in technological innovation that they can fill liquidity gaps resulting from short-term difficulties in favor of both micro and medium capitalization companies. These concessions fall a little on all production sectors: from eco-incentives and renewable energies, to road haulage businesses, tourism, etc. as well as subsidized incentives specifically aimed at hiring young new workers , possibly definitively.
So far the benefits in the production sector. But there is also a subsidized loan for private individuals, only that this, unlike that granted to productive activities, is and will always be, except in exceptional cases, relating to the subsidized rate, that is, there are no concessions that provide for non-repayable credit (cf. non-repayable loans). The subsidized rates consist of concessions aimed at reducing or eliminating interest (see zero rate loans) which are granted to various types of subjects: the subsidized loans par excellence are those granted by the bank to its pensioners but also those of some entities that they deliver to their employees. Another case is for the disabled for whom the state renounces VAT, or that for students as well as for first couple mortgages by young couples etc. In all the aforementioned cases, the rate is therefore facilitated.