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DECRETO AGOSTO: PROROGA AL 31 GENNAIO PER IL PAGAMENTO DI MUTUI E PRESTITI E a FINE ANNO PER LE DOMANDE DI AMMISSIONE MORATORIA PMI

 

Nuova proroga per la moratoria PMI, i pagamenti delle rate riprendono il 31 gennaio 2021. Lo prevede il Decreto Agosto, che fa slittare di altri quattro mesi la scadenza che il dl Cura Italia aveva già spostato al 30 settembre.
La sospensione riguarda le aperture di credito a revoca e i prestiti accordati a fronte di anticipi su crediti esistenti alla data del 29 febbraio o se superiori al 17 marzo scorso (data di pubblicazione del Cura Italia), i prestiti non rateali con scadenza contrattuale prima del 31 gennaio, i mutui e gli altri finanziamenti a rimborso rateale.

Si tratta, in pratica, delle misure previste dall’articolo 56 del dl Cura Italia 18/2020. La nuova proroga è prevista dall’articolo 65 del dl 104/2020 Decreto Agosto.

Cosa fare:
• le imprese che allo scorso 15 agosto erano già state ammesse alla proroga prevista dal Cura Italia non devono fare nulla, lo slittamento al 31 gennaio è automatico.
Se si intende rinunciare all’agevolazione occorre comunicazione specifica al soggetto finanziatore entro il termine del 30 settembre 2020.
• le imprese non ancora ammesse alle misure di sostegno possono fare domanda entro il 31 dicembre 2020: le regole e le procedure restano quelle previste dall’articolo 56 del Cura Italia facendo comunicazione al soggetto finanziatore autocertificando di aver subito danni per l’emergenza Covid.

Ricordiamo essere sospese fino alla fine di gennaio 2021 anche le segnalazioni a sofferenza effettuate dagli intermediari alla Centrale dei rischi della Banca d’Italia, riguardanti le imprese che utilizzano la moratoria mutui.

 

Per maggiori informazioni
UFFICIO CREDITO
Chiara Chiavazza 0173/226663
cchiavazza@ascomfidinordovest.it
Davide Paganotti 0173/226671
dpaganotti@ascomfidinordovest.it

 

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