{"id":4437,"date":"2020-03-30T08:30:50","date_gmt":"2020-03-30T08:30:50","guid":{"rendered":"https:\/\/quabbala.com\/?p=4437"},"modified":"2020-03-30T08:30:59","modified_gmt":"2020-03-30T08:30:59","slug":"avales-del-estado","status":"publish","type":"post","link":"https:\/\/quabbala.com\/en\/avales-del-estado\/","title":{"rendered":"Avales del Estado"},"content":{"rendered":"<p>El Ministerio de Asuntos Econ\u00f3micos y Transformaci\u00f3n Digital avalar\u00e1 la financiaci\u00f3n otorgada por <strong>entidades de cr\u00e9dito<\/strong>, <strong>establecimientos financieros de cr\u00e9dito, entidades de dinero electr\u00f3nico y entidades de pago<\/strong>s a empresas y aut\u00f3nomos para paliar los efectos en su actividad como consecuencia del COVID-19. \u00a0Los avales del Ministerio de Asuntos Econ\u00f3micos y Transformaci\u00f3n Digital <strong>ser\u00e1n gestionados a trav\u00e9s del ICO<\/strong>.<\/p>\n<p>&nbsp;<\/p>\n<p>Los avales que son otorgados financiar\u00e1n las operaciones que soliciten las empresas con el fin de facilitar el mantenimiento del empleo y paliar los efectos econ\u00f3micos del COVID-19, y se otorgaran para <strong>cubrir los nuevos pr\u00e9stamos y otras modalidades de financiaci\u00f3n y las renovaciones concedidos<\/strong> por entidades financieras a empresas y aut\u00f3nomos para atender las necesidades de financiaci\u00f3n derivadas, entre otros, de <strong>pagos de salarios, facturas, necesidad de circulante u otras necesidades de liquidez, incluyendo las derivadas de vencimientos de obligaciones financieras o tributarias.<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-4438\" src=\"https:\/\/quabbala.com\/wp-content\/uploads\/2020\/03\/avales-del-stado.jpg\" alt=\"\" width=\"1280\" height=\"720\" srcset=\"https:\/\/quabbala.com\/en\/wp-content\/uploads\/2020\/03\/avales-del-stado.jpg 1280w, https:\/\/quabbala.com\/en\/wp-content\/uploads\/2020\/03\/avales-del-stado-150x84.jpg 150w, https:\/\/quabbala.com\/en\/wp-content\/uploads\/2020\/03\/avales-del-stado-300x169.jpg 300w, https:\/\/quabbala.com\/en\/wp-content\/uploads\/2020\/03\/avales-del-stado-768x432.jpg 768w, https:\/\/quabbala.com\/en\/wp-content\/uploads\/2020\/03\/avales-del-stado-1200x675.jpg 1200w, https:\/\/quabbala.com\/en\/wp-content\/uploads\/2020\/03\/avales-del-stado-624x351.jpg 624w\" sizes=\"(max-width: 1280px) 100vw, 1280px\" \/><\/p>\n<p>&nbsp;<\/p>\n<p>Para poder solicitar estos pr\u00e9stamos, entre otros, su empresa \u00a0<strong><u>no puede figurar en situaci\u00f3n de morosidad<\/u><\/strong> en el Banco de Espa\u00f1a (CIRBE) a 31 de diciembre de 2019 y tampoco pueden estar incursos <strong><u>en un procedimiento concursal<\/u><\/strong> a fecha de 17 de marzo de 2020, bien por haber presentado solicitud de declaraci\u00f3n de concurso, o por darse las circunstancias a que se refiere el art\u00edculo 2.4 de la Ley 22\/2003, de 9 de julio, Concursal, para que el concurso sea solicitado por sus acreedores.<\/p>\n<p>&nbsp;<\/p>\n<p>En el caso de <strong>pymes y aut\u00f3nomos<\/strong> el aval ascender\u00e1 como m\u00e1ximo <strong>al 80%<\/strong> de la operaci\u00f3n.<\/p>\n<p>&nbsp;<\/p>\n<p>En empresas que <strong>no re\u00fanan la condici\u00f3n de pyme<\/strong> el aval cubrir\u00e1 <strong>como m\u00e1ximo<\/strong> <strong>el 70%<\/strong> de nuevas operaciones y <strong>el 60%<\/strong> de operaciones de renovaci\u00f3n.<\/p>\n<p>&nbsp;<\/p>\n<p>Los avales podr\u00e1n solicitarse hasta el <strong>30 de septiembre de 2020<\/strong> si bien el plazo podr\u00e1 ampliarse, siempre en l\u00ednea con la normativa de Ayudas de Estado de la UE, por Acuerdo de Consejo de Ministros.<\/p>\n<p><u>\u00a0<\/u><\/p>\n<p>El <strong>plazo del aval emitido coincidir\u00e1 con el plazo de la operaci\u00f3n<\/strong> <strong>hasta un m\u00e1ximo de 5 a\u00f1os<\/strong>.<\/p>\n<p>&nbsp;<\/p>\n<p>Finalmente, es decisi\u00f3n de la entidad financiera obre la concesi\u00f3n de la correspondiente financiaci\u00f3n a la empresa de acuerdo con sus procedimientos internos y pol\u00edticas de concesi\u00f3n y riesgos.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>El Ministerio de Asuntos Econ\u00f3micos y Transformaci\u00f3n Digital avalar\u00e1 la financiaci\u00f3n otorgada por entidades de cr\u00e9dito, establecimientos financieros de cr\u00e9dito, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4438,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[10],"tags":[],"class_list":["post-4437","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticias"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.7 - 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