{"id":3737,"date":"2020-03-26T09:15:22","date_gmt":"2020-03-26T08:15:22","guid":{"rendered":"https:\/\/www.santcugatconsulting.com\/?p=3737"},"modified":"2020-03-25T19:21:00","modified_gmt":"2020-03-25T18:21:00","slug":"linia-davals-per-garantir-la-liquiditat-dautonoms-i-empreses","status":"publish","type":"post","link":"https:\/\/santcugatconsulting.com\/ca\/linia-davals-per-garantir-la-liquiditat-dautonoms-i-empreses\/","title":{"rendered":"L\u00ednia d&#8217;Avals per garantir la liquiditat d&#8217;aut\u00f2noms i empreses"},"content":{"rendered":"<p>El consell de ministres ha aprovat un acord que recull les caracter\u00edstiques dels cr\u00e8dits avalats per l\u2019Estat que poden sol\u00b7licitar les empreses i els aut\u00f2noms afectats per la crisi sanit\u00e0ria del coronavirus.<!--more--><\/p>\n<p>Aquesta l\u00ednia vol garantir la liquiditat dels aut\u00f2noms i les empreses. S\u2019ha aprovat un primer tram per un import de 20.000 milions d\u2019euros, el 50% dels quals es destinar\u00e0 a pr\u00e9stecs d\u2019aut\u00f2noms i pimes.<\/p>\n<h4><strong>Qui podr\u00e0 sol\u00b7licitar aquesta l\u00ednia de cr\u00e8dit?<\/strong><\/h4>\n<p>Ho podran fer les empreses i aut\u00f2noms que s\u2019hagin vist afectats per les conseq\u00fc\u00e8ncies econ\u00f2miques del COVID-19 sempre que els sol\u00b7licitants no es trobessin en situaci\u00f3 de morositat a 31 de desembre del 2019 i en procediment concursal a 17 de mar\u00e7 de 2020.<\/p>\n<h4><strong>Per a quina finalitat es podr\u00e0 sol\u00b7licitar la l\u00ednia de cr\u00e8dit?<\/strong><\/h4>\n<p>La nova l\u00ednia d\u2019avals garantir\u00e0 els nous pr\u00e9stecs i les renovacions concedides per entitats financeres a empreses i aut\u00f2noms per atendre a les necessitats de finan\u00e7ament derivades de pagaments de salaris, factures i necessitats de liquiditat, incloent les derivades dels venciments d\u2019obligacions financeres o tribut\u00e0ries.<\/p>\n<h4><strong>Els avals tenen car\u00e0cter retroactiu?<\/strong><\/h4>\n<p>En efecte, tindran car\u00e0cter retroactiu i es podran vincular a les operacions formalitzades amb posterioritat a l\u2019entrada en vigor del Reial Decret Llei 8\/2020, \u00e9s a dir, del 18 de mar\u00e7 de 2020.<\/p>\n<h4><strong>A on s\u2019ha de dirigir la sol\u00b7licitud?<\/strong><\/h4>\n<p>Les empreses i aut\u00f2noms interessats s\u2019hauran de dirigir a les entitats financeres amb les que l\u2019ICO (Instituto de Cr\u00e9dito Oficial) hagi subscrit els acords de col\u00b7laboraci\u00f3. Les entitats financeres assumiran el cost de l\u2019aval.<strong>\u00a0<\/strong><\/p>\n<h4><strong>En quin termini es pot efectuar la sol\u00b7licitud?<\/strong><\/h4>\n<p>Es podr\u00e0 sol\u00b7licitar fins al 30 de setembre de 2020.<\/p>\n<h4><strong>Quin percentatge del pr\u00e9stec garanteix l\u2019aval?<\/strong><\/h4>\n<p>En el cas dels aut\u00f2noms i pimes, l\u2019aval aprovat per l\u2019Estat cobreix el 80% dels nous pr\u00e9stecs i renovacions de finan\u00e7ament.<strong>\u00a0<\/strong><\/p>\n<h4><strong>Quina vig\u00e8ncia tindr\u00e0 l\u2019aval?<\/strong><\/h4>\n<p>Tindr\u00e0 una vig\u00e8ncia igual al termini del pr\u00e9stec concedit amb un termini m\u00e0xim de cinc anys.<\/p>\n<h4><strong>Quin ser\u00e0 el tipus d\u2019inter\u00e8s del cr\u00e8dit?<\/strong><\/h4>\n<p>Seran els bancs qui el fixin, no s\u2019ha previst res al respecte.<\/p>\n<p>&nbsp;<\/p>\n<span class='highlight'>A Sant Cugat Consulting t&#8217;informem de les \u00faltimes not\u00edcies que poden afectar a a teva empresa o activitat professional per la crisi del coronavirus. Suscriu-te al nostre newsletter! <\/span>\n","protected":false},"excerpt":{"rendered":"<p>El consell de ministres ha aprovat un acord que recull les caracter\u00edstiques dels cr\u00e8dits avalats per l\u2019Estat que poden sol\u00b7licitar les empreses i els aut\u00f2noms afectats per la crisi sanit\u00e0ria del coronavirus.<\/p>\n","protected":false},"author":7,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[97,99,100,2],"tags":[442,105,428],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>L\u00ednia d&#039;Avals per garantir la liquiditat d&#039;aut\u00f2noms i empreses | Sant Cugat Consulting<\/title>\n<meta name=\"description\" content=\"T&#039;expliquem en que consisteix la l\u00ednia d&#039;avals que vol garantir la liquiditat dels aut\u00f2noms i les empreses per la crisi del coronavirus.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/santcugatconsulting.com\/ca\/linia-davals-per-garantir-la-liquiditat-dautonoms-i-empreses\/\" \/>\n<meta name=\"twitter:label1\" content=\"Escrit per\" \/>\n\t<meta name=\"twitter:data1\" content=\"Talenom Sant Cugat\" \/>\n\t<meta name=\"twitter:label2\" content=\"Temps estimat de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minuts\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/santcugatconsulting.com\/ca\/linia-davals-per-garantir-la-liquiditat-dautonoms-i-empreses\/\",\"url\":\"https:\/\/santcugatconsulting.com\/ca\/linia-davals-per-garantir-la-liquiditat-dautonoms-i-empreses\/\",\"name\":\"L\u00ednia d'Avals per garantir la liquiditat d'aut\u00f2noms i empreses | Sant Cugat Consulting\",\"isPartOf\":{\"@id\":\"https:\/\/santcugatconsulting.com\/ca\/#website\"},\"datePublished\":\"2020-03-26T08:15:22+00:00\",\"dateModified\":\"2020-03-25T18:21:00+00:00\",\"author\":{\"@id\":\"https:\/\/santcugatconsulting.com\/ca\/#\/schema\/person\/b81c8de0bbc77b1f011eb24291185c9d\"},\"description\":\"T'expliquem en que consisteix la l\u00ednia d'avals que vol garantir la liquiditat dels aut\u00f2noms i les empreses per la crisi del coronavirus.\",\"inLanguage\":\"ca\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/santcugatconsulting.com\/ca\/linia-davals-per-garantir-la-liquiditat-dautonoms-i-empreses\/\"]}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/santcugatconsulting.com\/ca\/#website\",\"url\":\"https:\/\/santcugatconsulting.com\/ca\/\",\"name\":\"Sant Cugat Consulting\",\"description\":\"Asesoramiento jur\u00eddico, laboral, fiscal y contable para aut\u00f3nomos, pymes y grandes empresas. 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