Ρυθμίσεις αγροτικών χρεών σε δημόσιο και τράπεζες: Κούρεμα έως 60% και 120 δόσεις

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Μέσα στο αμέσως προσεχές διάστημα θα αρχίσει να εφαρμόζεται ρύθμιση για τα αγροτικά χρέη προς το δημόσιο και τις τράπεζες, με το «κούρεμα» του κεφαλαίου να φτάνει μέχρι και 60% και η αποπληρωμή τις 120 δόσεις.

Συγκεκριμένα, σύμφωνα με πληροφορίες, ο αντιπρόεδρος της Κυβέρνησης και υπουργός Οικονομίας και Ανάπτυξης Γιάννης Δραγασάκης, έχει ζητήσει εντός του Μαΐου να ενεργοποιηθεί η δυνατότητα ρύθμισης των οφειλών αγροτών προς εφορία για εισόδημα, ΦΠΑ κλπ, για ασφαλιστικές εισφορές του ΟΓΑ και για τα αγροτικά δάνεια προς τράπεζες που έκλεισαν και βρίσκονται υπό εκκαθάριση (πρώην Αγροτική Τράπεζα, Συνεταιριστικές, ΤΤ, FBB, Probank, Proton κλπ).

Σύμφωνα με πληροφορίες από το υπουργείο Οικονομίας, η ρύθμιση οφειλών δύναται να περιλαμβάνει:

  • 100% διαγραφή τόκων υπερημερίας δανείων. Επιπρόσθετα διαγραφή τόκων και κεφαλαίου δανείων, βάσει των ήδη αποπληρωμένων ποσών, αφού ληφθεί υπόψη ο νόμος για τα πανωτόκια και οι ισχύουσες υποθήκες (κατόπιν ελέγχου). Εννοείται ότι εφόσον ο αγρότης το επιθυμεί, έχει τη δυνατότητα να προβεί σε πώληση ακινήτων του σε τρίτους, με σκοπό την εξόφληση του εναπομείναντος χρέους
  • Διαγραφή προστίμων και προσαυξήσεων δημοσίου, βάσει της ακίνητης περιουσίας
  • Αποπληρωμή σε έως 120 δόσεις, βάσει του διαθέσιμου εισοδήματος, αφού ληφθούν υπόψη οι εύλογες δαπάνες διαβίωσης.

Ειδικά για τη ρύθμιση των αγροτικών δανείων τα οφέλη είναι τα εξής:

  • Σε περίπτωση ολικής εξόφλησης εντός τριμήνου του εναπομείναντος ποσού (κατόπιν της ανωτέρω διαγραφής τόκων και πανωτοκίων), η διαγραφή κεφαλαίου μπορεί να φτάσει ακόμα και το 60%.
  • Σε περίπτωση ρύθμισης σε δόσεις του εναπομείναντος ποσού (κατόπιν της ανωτέρω διαγραφής τόκων και πανωτοκίων), η αποπληρωμή μπορεί να διαρκέσει έως και 10 έτη και η διαγραφή κεφαλαίου να φτάσει το 40%.

Η ρύθμιση απευθύνεται σε:

  • αγρότες, γεωργούς, κτηνοτρόφους, πτηνοτρόφους και αλιείς, οι οποίοι έχουν λάβει αγροτικό δανειακό προϊόν (καλλιεργητικό δάνειο, δάνειο αγοράς εφοδίων κλπ) από την πρώην ΑΤΕ και τις λοιπές ανωτέρω τράπεζες υπό εκκαθάριση
  • εφόσον οι οφειλές τους παρουσίαζαν καθυστέρηση πληρωμής πέραν των 30 ημερών κατά την 31/12/2017.

Σημειώνεται ότι σε περίπτωση που αγρότης δεν ενταχθεί στην ανωτέρω διαδικασία, τότε ο εκκαθαριστής προειδοποιεί ότι υποχρεούται να καταφύγει είτε σε νομικές ενέργειες είτε στην πώληση των συγκεκριμένων δανείων σε fund

Όπως αναφέρει σε σημερινό δημοσίευμά της η εφημερίδα «Αυγή», οι αγροτικές επιχειρήσεις με παραγωγική εγκατάσταση (π.χ. κτηνοτροφικές μονάδες, ελαιουργεία κλπ) δεν εντάσσονται στην παρούσα ρύθμιση, αλλά εντάσσονται στη ρύθμιση του εξωδικαστικού μηχανισμού ρύθμισης οφειλών επιχειρήσεων.

Σημειώνεται ακόμη ότι η ρύθμιση δεν παρέχεται σε αγρότες, οι οποίοι έχουν πολύ υψηλά εισοδήματα (κατόπιν ελέγχου).

Πληροφορίες μπορούν να λαμβάνουν οι ενδιαφερόμενοι στα κατά τόπους Κέντρα – Γραφεία Ενημέρωσης και Υποστήριξης Δανειοληπτών, κατόπιν ραντεβού στο τηλ. 213.212.57.30 και στα σημεία τοπικής παρουσίας του ειδικού εκκαθαριστή ανώνυμη εταιρεία με την επωνυμία «PQH Ενιαία Ειδική Εκκαθάριση Ανώνυμη Εταιρεία, Ειδικός Εκκαθαριστής Πιστωτικών Ιδρυμάτων» και στο τηλ. 213.088.700.

Αιτήσεις ρύθμισης θα γίνονται μέσω της πλατφόρμας της Ειδικής Γραμματείας Διαχείρισης Ιδιωτικού Χρέους: www.keyd.gov.gr

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