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See the copyright notice Conditions of use .
The presentation of the Minister for Agriculture and Forestry is governed by the Law of 9 January 1976 on the payment of interest subsidies in the fisheries sector. (1/76) Article 22 Pursuant to:
The interest rate subsidy for the fishing industry referred to in this Regulation, as referred to in this Regulation, is not to be granted if the application for a loan has been made later than six months after the date on which the Procuring.
The interest rate shall also be granted for the payment of a loan of up to two years for the acquisition of assets obtained before the expiry of the period referred to in paragraph 1. A loan application may then be made after the expiry of the time limit, if the time agreed for repayment of the credit is still pending.
The grant of a subsidised loan for the purpose of financing the construction of a vessel, a vessel or a fishing boat shall be conditional on the construction work not started before the decision of the Board of Governors, as referred to in Article 14 (2) of the Law on Interest, has been settled. However, for specific reasons, the loan may be granted to finance the work already started.
The application shall be deemed to have been made on the date on which the entry for the application has been submitted to the credit institution concerned.
The structure referred to in paragraph 3 shall also include the extension of the installation and the renovation of the installation and the ship.
For the purpose of acquiring an institution and a ship, an interest rate subsidy shall also be granted in respect of the payment of the previous debts incurred in connection with the sale of the goods in respect of which the purchase price was agreed.
An application for a loan to be submitted to a credit institution shall include:
(1) the full name, occupation and place of residence of the applicant and, in the case of a group or entity, its name, business and domicile and, when it is a question of the fisherman, the identity of the shareholders or members;
(2) the purpose of the loan funds;
3. The amount of the loan to be applied;
(4) the purchase of assets to be acquired;
(5) the estimated cost of the construction project and the execution time;
6. Financing plan;
(7) the quality and value of the security offered; and
(8) when it is a question of the assets and liabilities of the fisherman, the applicant and his/her spouse, and of his or her children's dependants, as well as the assets and liabilities of the members or members of the group or members.
When a vessel is subject to a loan or a stake in it, the loan application shall, in addition to the loan application, become:
(1) the name of the vessel, the species, the structure, the construction material, the engine power, equipment and equipment, the time-scale of the vessel's construction or construction, and the length of the vessel, and the size of the fishing vessel; Fraction;
(2) the intended species, structure, construction material, engine power, equipment, equipment and the length of the ship to be constructed;
(3) in the case of an acquired institution, its former purpose, construction material, construction time, facts, size, equipment and equipment; and
4) the construction material, size, equipment and equipment of the installation to be constructed.
In the application for a loan, the applicant for interest payments shall declare that the applicant has not received a loan from the State resources or from the funds from which the State pays the loan to the lender, and that the application for such a loan is not subject to an application for a loan Are not pending.
In addition to the application for a loan, the applicant for a fisherman shall declare that he, his/her spouse, or dependent children, or, when the applicant is a group or an entity, the members of its members shall have no other assets or liabilities other than: What is indicated in the application.
An application for a loan for a fish containing fish shall be accompanied by:
(1) the applicant's family relationship with an official certificate and, in the case of a registered group or entity, an extract from the relevant register and the family relationship of members or members of the shareholders or members; and
(2) a certificate issued by the tax office, showing the income and assets of the applicant and his/her spouse, the grouping or the Community, as well as the taxable income and assets of the members or members, as well as the tax revenue allocated to the property tax and revenue.
The application for a loan for a fish marketing authorisation shall be accompanied by the applicant's official certificate and, in the case of a registered group or entity, the extract from the relevant register.
For the purpose of applying for a loan for the purpose of financing an institution, a Finnish vessel or a fishing boat, the application shall be accompanied by:
(1) a certified copy of the winning book or, if no legal action on the acquisition of property has yet been carried out, the draft of the deed;
(2) a description of the seller's ownership; and
3) if the vessel is entered in the register of vessels or in the fishing fleet register, extract from it.
An application for a subsidised loan for the purpose of financing the construction of a vessel, a vessel or a fishing boat shall be accompanied by a copy of the contract of construction with the person carrying out the work or, unless the contract has been concluded, the contract Draft. If a loan is requested to finance the work already started, the application must also include a description of the stage of construction work.
It is for the Ministry of Agriculture and Forestry to provide guidance on how the application for loans should be accompanied by a loan for the purchase of a foreign vessel.
The application shall, in addition to what has been said in Articles 3 and 5, include any other statement deemed necessary by the Ministry of Agriculture and Forestry and the credit institution.
The application shall be made in accordance with a formula established by the Ministry of Agriculture and Forestry.
Applications for a marketing authorisation submitted by the end of the first quarter shall be sought by the credit institution and checked by a person appointed pursuant to Article 14 (2) of the interest-rate loans. In April.
The promissory note relating to the interest rate loan shall be preceded by an indication of what is provided for in Article 17 (1) and (2) of the interest rate loan, the obligation of the borrower to carry out an interest-rate increase and a penalty interest rate and the amount of the loan to the credit institution. The lending rate, as well as the provisions of paragraph (3) of the " Law on the right of a credit institution to check the loan without the immediate termination of the loan.
The debt book shall be subject to the condition that the loan may, in the event of a delay in the execution of an interest rate or an abbreviation for more than thirty days from due date, be considered without being immediately called due and agreed in the terms of the loan. The penalty interest may be imposed.
In addition, it is possible for the loan to be made subject to the condition that the beneficiary of the loan is required to pay the loan interest rate determined by the credit institution concerned in respect of the outstanding repayment of outstanding amounts due from the end of the period of maturity, And, for the reasons set out in Article 17 of the Law on Interest, and when, for the reasons set out in Article 17 of the Act, the payment of the interest rebate shall cease, for the entire loan, from the date on which the interest rebate is not accrued. The lending rate referred to above shall not exceed the highest lending rate used by the credit institution in its debt loans.
In addition to what has been said in Article 7 (1) and (2), a condition to be taken into account in the promissory note for the interest rate loan is that the loan can be wholly or partly terminated immediately and that the penalty rate agreed in the terms of the loan can be imposed. Be performed if:
(1) the value of the security has been, for reasons of poor management or for other reasons, reduced to the extent that the repayment of the outstanding amount of the loan is at risk, and the debtor does not call on the debtor to provide sufficient collateral;
(2) the property of the insured person shall be excluded, without disposing of its full value or fire insurance, that it is wound up or is allowed to lapse, so also if the debtor does not present the loan to the creditor in the period prescribed by the debtor: Fire insurance is valid;
(3) the property lent is left uninsured;
(4) the value of the vessel borrowed as a result of non-maintenance of the ship is substantially reduced;
(5) borrowed property shall be sold for sale;
(6) the debtor or guarantor is declared bankrupt or is applying for an ACard, or if the guarantor dies, and the debtor does not call for an adequate guarantee accepted by the creditor;
(7) the debtor refuses to provide the issuer with the information necessary for the purposes of controlling the use of the loan, or if the person referred to in Article 16 (2) of the Law on the credit institution or the interest rate loan law is prevented from carrying out the Inspections;
(8) the debtor, in whole or in part, shall disclose the assets subject to the loan; and
(9) the lent property shall no longer be used for the purposes of the loan.
Interest rate loans granted in order to finance the construction of the facility, the vessel and the fishing boat may be paid to the borrower as the construction work progresses. However, the last batch shall not be paid until the work is completed in an acceptable manner.
In the case of construction work, an advance may be granted to the recipient of the loan.
The interest compensation referred to in Article 15 of the Code of Interest shall be made from the same period as the debtor in accordance with Article 12 (2) of this Regulation shall pay interest to the credit institution. In the case of a reduction which has not been paid, the interest rebate is not paid over the period after the end of the month.
Where, in accordance with Article 7 (2), an interest rate subsidy is payable, in the cases referred to in Article 8 of the loan or in the cases referred to in Article 8, a repayment shall be made immediately, in respect of the loan, before the termination of the instalments which may be due to be terminated. , the interest rate credit referred to in paragraph 1 shall be credited to the credit institution until the loan has been repaid, but not more than until the assets secured by the loan are sold by way of exit. However, the interest compensation shall not be paid more than the amount of the original repayment plan had to be paid in the light of the provisions of paragraph 1. However, in the cases referred to in Article 8 (5) and (7) to (9), the Ministry of Agriculture and Forestry may order that the interest rebate be discontinued.
In the cases referred to in Article 17 (1) of the Pension Code, it is for the Ministry of Agriculture and Forestry to decide on the cessation of the interest rebate referred to in Article 15 of the Law.
When the credit institution which has granted an interest rate loan has become aware of the fact that Article 17 (1) of the interest rate loan may cause the interest rebate to cease to be effected, it shall immediately inform the The Ministry of Forestry.
The interest rate shall be repaid, according to the agreed amortisation period, with a fixed rate of abbreviation, which shall be executed twice a year in the second half of June and December. The first instalment shall be paid during the summer or December which, after three months, shall first be followed by an increase in the loan and a loan for a loan to finance the construction of the installation, the vessel or the fishing boat. The date specified for completion. For specific reasons, it may be agreed that the first instalment fee shall be paid during its summer or December which, after six months or one year, shall first be accompanied by an increase in the loan.
The payment of interest on interest payments shall start from the date on which the loan is drawn up and the rate of interest shall be paid, in the context of the abbreviations referred to in paragraph 1, to the end of the six-month period in question.
In order to mitigate the difficulties caused by the recipient of the interest payment on an independent basis, the period of validity of the application may be extended by a maximum of five years if, on the basis of the financial position, the beneficiary of the loan is to be considered Necessarily in need of such relief. However, the duration of the loan may not be more than twenty years for the acquisition or construction of a fishing vessel, and 10 years for the rest of the subsidised loan. In this case, the loan must be repayable on the basis of the remaining capital and the new repayment schedule. The duration of the loan may also be extended so that the payment of one or more instalments is deferred. The extension of the loan period does not apply to the repayment payment due at the time of application. When a loan has been issued by a state guarantee, the agreement of the Ministry of Agriculture and Forestry is to be obtained by the Ministry of Agriculture and Forestry.
Accordingly, the prolongation of the loan period is in force, as provided for in Article 14 of the Act on the granting of the loan.
However, when the suspension of the terms and conditions of the repayment terms or the repayment fee is not made, the interest shall be paid in the period specified in Article 12.
With the payment of an additional abbreviation, the beneficiary of the interest rate loan will be released in so many of the instalments agreed mainly in the form of the following abbreviation, rather than the additional abbreviation, which is mainly due to the full repayment payments due. In spite of an additional abbreviation, interest payments on unpaid capital shall be carried out in the following regular payment days.
However, if the beneficiary of the loan, in payment of an additional abbreviation, declares that it wishes to shorten the repayment period of the loan, the repayment period shall be reduced in the same number of years in the same number of years as the full instalment is included. If the beneficiary wishes to do so, a new repayment plan for outstanding capital should be drawn up without reducing the original repayment period.
The credit institution which issued the interest rate shall supervise, where appropriate, on-the-spot checks, the use of the loan and compliance with the loan terms.
The interest compensation referred to in Article 15 of the Act of Interest shall be submitted to the Ministry of Agriculture and Forestry for each six-month period separately.
The application referred to in paragraph 1 shall include the information required by the Ministry of Agriculture and Forestry necessary for the calculation of the interest rebate.
The credit institution issuing the interest rate loans shall decide when the conditions for granting the State guarantee referred to in Article 7 of the interest rate loan exist, in the view of the Ministry of Agriculture and Forestry on the granting of the guarantee. The proposal can only be submitted after the application for a loan has been verified in accordance with Article 14 (2) of the Law. The share and savings banks shall perform their performances through the relevant central mfi.
The State guarantee proposal shall include a statement by the Ministry of Agriculture and Forestry on the guarantee of the payment of principal and interest on the loan to be made available for the payment of the loan before the State guarantee The start of the payment obligation.
The person assigned to the inspection post referred to in Article 14 (2) shall be remunerated according to the amount determined by the Ministry of Agriculture and Forestry.
More detailed provisions on the application of this Regulation will be provided by the Ministry of Agriculture and Forestry, as appropriate.
This Regulation shall enter into force on 1 April 1976.
