Promipoteka is sent to the construction site – Newspaper Kommersant No. 210 (7411) dated 11/14/2022

Without waiting for the actual launch of industrial mortgages, the Ministry of Industry and Trade is already considering the possibility of expanding it. The program is planned to include loans not only for the purchase of ready-made production facilities, but also for their construction and reconstruction. For these purposes, it is planned to issue up to 2 billion rubles. for the construction of facilities and up to 1.5 billion rubles for repairs. In the business community, the departments support the initiative, noting that now the program’s capabilities can be called curtailed, because businesses often need individual rather than ready-made solutions.

The purpose of loans under the industrial mortgage program can be significantly expanded – as Deputy Prime Minister and Head of the Ministry of Industry and Trade Denis Manturov said, the department is considering the possibility of including in this mechanism not only the acquisition of production facilities, but also their construction, repair and reconstruction. According to him, both banks and regions made such a request – now the parameters for expanding industrial mortgages are being discussed with interested departments.

Recall that the de jure mechanism was launched in September – loans in the amount of up to 500 million rubles. at a rate of up to 5% per annum (for technology companies – up to 3%), a business can take up to seven years to purchase ready-made industrial space. The measure is designed to stimulate the accelerated deployment of production – the creation of new sites takes two to three years, and the purchase of ready-made premises, the need for which was estimated at 500 thousand square meters. m per year, kept high interest rates on loans (13-15%). According to Denis Manturov, so far 15 banks with a total loan portfolio of 60 billion rubles have applied for participation in the program. for about 500 borrowers. As Kommersant was specified in the Ministry of Industry and Trade, the selection of banks is now being completed – after that, the amount of financing for industrial mortgages in 2023 will be determined, the issuance of the first loans is expected in early December.

The expansion of the parameters of concessional loans is primarily due to estimates of demand – it turned out to be higher for the construction of new industrial sites than for the purchase of ready-made ones. Thus, according to the Ministry of Industry and Trade, the potential demand for the construction of industrial real estate in 2022-2025 is 6.2 million square meters. m, and for the purchase – 2.8 million square meters. m. The total demand for the modernization, reconstruction and repair of industrial facilities is estimated at 3.6 million square meters. m. Loans for new purposes will be much larger – for construction, according to preliminary information, businesses will be able to receive up to 2 billion rubles, for overhaul and reconstruction – up to 1.5 billion rubles. The maximum loan term is up to ten years.

The business community supports the initiative. According to Maxim Tretyakov, vice-president of the Opora NP Association, this is a logical extension of the mechanism, since so far the promipoteka program has been “slightly curtailed”. Manufacturing facilities, he explains, are always tailored to the process, and businesses often need a “tailor-made suit.” According to him, both new construction and reconstruction are in demand – for example, an enterprise can remake an old plant for its own needs. Maxim Tretyakov calls the proposed loan amounts “quite worthy” – in particular, for medium-sized manufacturing industries.

Alexey Dolmatov, co-chairman of the Delovaya Rossiya construction committee, shareholder of GLIMS-Production JSC, says that “Russian industrialists were waiting for the possibility of expanding the program.” According to him, now the cost of building and creating infrastructure in investment projects is up to 50%, while the existing production buildings are built using outdated technologies – “it is necessary to either build new production sites or overhaul the existing ones with the condition of creating a new infrastructure.”

Evgenia Kryuchkova