 Wysłany: Śro 13:00, 11 Kwi 2007 Temat postu: |
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| Wysłany: Pon 1:53, 09 Kwi 2007 Temat postu: |
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| Wysłany: Pią 3:47, 30 Mar 2007 Temat postu: qieektl |
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| Wysłany: Pią 3:47, 30 Mar 2007 Temat postu: eabjqxu |
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| Wysłany: Pon 19:34, 10 Lip 2006 Temat postu: ROZPORZĄDZENIE MINISTRA PRACY I POLITYKI SOCJALNEJ |
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| ROZPORZĄDZENIE
MINISTRA PRACY I POLITYKI SOCJALNEJ z dnia 22 maja 1998 r. w sprawie szczegółowych zasad udzielania, oprocentowania, spłaty i umarzania pożyczek dla osób niepełnosprawnych. (Dz. U. z dnia 3 czerwca 1998 r.) Na podstawie art. 12 ust. 7 ustawy z dnia 27 sierpnia 1997 r. o rehabilitacji zawodowej i społecznej oraz zatrudnianiu osób niepełnosprawnych (Dz. U. Nr 123, poz. 776 i Nr 160, poz. 1082) zarządza się, co następuje: § 1. 1. Pożyczka może być udzielona osobie niepełnosprawnej na rozpoczęcie działalności: 1. wytwórczej, budowlanej, handlowej i usługowej, w rozumieniu przepisów o działalności gospodarczej, 2. rolniczej w rozumieniu przepisów o podatku dochodowym od osób fizycznych lub rozszerzenie tej działalności o rodzaj (profil) dotychczas nie prowadzony, 3. polegającej na prowadzeniu działów specjalnych produkcji rolnej, w rozumieniu przepisów o podatku dochodowym od osób fizycznych, bez względu na formę prawną jej prowadzenia. 2. Pożyczka może być udzielona na: 1. podjęcie działalności po raz pierwszy, 2. wznowienie działalności - jeśli od daty wykreślenia wpisu do ewidencji działalności gospodarczej albo cofnięcia koncesji (w odniesieniu do działalności gospodarczej) lub wygaśnięcia obowiązku w podatku rolnym (w odniesieniu do działalności rolniczej), lub wygaśnięcia obowiązku podatkowego z tytułu prowadzenia działów specjalnych produkcji rolnej upłynęło co najmniej 6 miesięcy. 3. Osoba niepełnosprawna może otrzymać pożyczkę, o której mowa w ust. 1, tylko raz oraz pod warunkiem, że nie korzysta z pożyczki udzielonej z Funduszu Pracy. § 2. 1. (2) Osoba niepełnosprawna ubiegająca się o uzyskanie pożyczki na rozpoczęcie działalności składa do starosty wniosek określający: 1. kwotę wnioskowanej pożyczki, 2. rodzaj zamierzonej działalności, 3. kalkulację wydatków na uruchomienie działalności w ramach wnioskowanej pożyczki, deklarację zaangażowania środków własnych oraz innych źródeł finansowania, 4. szczegółową specyfikację i harmonogram zakupów w ramach wnioskowanej pożyczki, 5. przewidywane koszty i dochody prowadzenia działalności, 6. proponowany okres karencji oraz termin spłaty pożyczki, 7. proponowane formy zabezpieczenia spłaty pożyczki, w szczególności: poręczenie, weksel, hipoteka, zastaw na rzeczach. 2. Osoba niepełnosprawna ubiegająca się o uzyskanie pożyczki obowiązana jest zabezpieczyć spłatę pożyczki w formie ustalonej między stronami umowy. 3. Koszty związane z zabezpieczeniem pożyczki ponosi osoba niepełnosprawna ubiegająca się o uzyskanie pożyczki. 4. Niezależnie od zabezpieczenia spłaty pożyczki, do zawarcia umowy pożyczki wymagana jest zgoda małżonka pożyczkobiorcy wyrażona w formie pisemnej, a w przypadku poręczenia - także zgoda małżonka poręczyciela wyrażona w formie pisemnej w obecności pożyczkodawcy. 5. (3) O przyznaniu lub odmowie przyznania pożyczki starosta powiadamia wnioskodawcę w formie pisemnej, w terminie nie przekraczającym 30 dni od dnia złożenia wniosku i innych niezbędnych do jego rozpatrzenia dokumentów. § 3. (4) (skreślony). § 4. 1. Oprocentowanie pożyczki wynosi 5% udzielonej kwoty za cały okres spłaty pożyczki. 2. Kwotę oprocentowania rozkłada się na cały okres spłaty pożyczki, nie dłuższy jednak niż 48 miesięcy. § 5. 1. Umowa pożyczki, zwana dalej „umową”, może przewidywać jej wypłacanie w transzach oraz uzależnienie uruchomienia kolejnych transz od rozliczenia się pożyczkobiorcy z wykorzystania uprzednio przekazanych środków. 2. (5) Wypłata pożyczki albo pierwszej transzy, z zastrzeżeniem ust. 3 i 4, następuje po podpisaniu umowy i po dostarczeniu przez pożyczkobiorcę: 1. zaświadczenia o wpisie do ewidencji działalności gospodarczej bądź o uzyskaniu koncesji - w przypadku działalności gospodarczej, 2. kopii zawiadomienia właściwego urzędu skarbowego o rozpoczęciu prowadzenia działów specjalnych produkcji rolnej, 3. zaświadczenia z urzędu gminy o podleganiu opodatkowaniu podatkiem rolnym - w przypadku rozpoczęcia innego rodzaju działalności rolniczej, obecnie nie prowadzonej, 4. zobowiązania, że w ciągu 6 miesięcy pożyczkobiorca stanie się właścicielem lub posiadaczem (samoistnym lub zależnym) nieruchomości rolnej, w rozumieniu przepisów Kodeksu cywilnego, o powierzchni użytków rolnych przekraczającej 1 ha przeliczeniowy - w przypadku rozpoczęcia działalności rolniczej. 3. (6) Wypłata pożyczki może nastąpić przed spełnieniem warunku określonego w ust. 2 pkt 1, jeżeli wydanie zezwolenia (koncesji) uzależnione jest od posiadania przedmiotów lub urządzeń niezbędnych do prowadzenia danego rodzaju działalności, a osoba niepełnosprawna ubiegająca się o uzyskanie pożyczki zamierza dokonać zakupu tych przedmiotów i urządzeń w ramach udzielonej pożyczki. 4. (7) W przypadku, o którym mowa w ust. 3, pożyczkobiorca jest zobowiązany do przedstawienia pożyczkodawcy zezwolenia (koncesji) w terminie nie dłuższym niż 3 miesiące od dnia wypłacenia pożyczki pod rygorem postawienia pożyczki w stan natychmiastowej wymagalności. § 6. 1. Umowę zawiera się w formie pisemnej. 2. Zmiana jakiegokolwiek warunku umowy wymaga aneksu w formie pisemnej i może być dokonana na wniosek każdej ze stron. § 7. 1. Umowa powinna zobowiązywać pożyczkobiorcę do: 1. rozpoczęcia działalności w terminie określonym w umowie i przedstawienia pożyczkodawcy dokumentów świadczących o celowym wykorzystaniu pożyczki, 2. terminowej spłaty pożyczki wraz z odsetkami, w ratach, zgodnie z planem spłaty pożyczki stanowiącym integralną część umowy, 3. przedkładania, na wniosek pożyczkodawcy, zaświadczenia z urzędu skarbowego (w odniesieniu do działalności gospodarczej oraz prowadzenia działów specjalnych produkcji rolnej), zaświadczenia z urzędu gminy (w odniesieniu do działalności rolniczej) o prowadzeniu działalności, 4. niezwłocznego każdorazowego powiadamiania pożyczkodawcy o zmianach miejsca zamieszkania i prowadzonej działalności oraz o zaprzestaniu bądź zawieszeniu działalności lub innych okolicznościach mających wpływ na realizację umowy. 2. (8) W czasie trwania umowy pożyczki starosta, zwany dalej „pożyczkodawcą”, przeprowadza kontrolę w celu sprawdzenia wiarygodności informacji i dokumentów, o których mowa w ust. 1 pkt 1. 3. Zmiana profilu działalności w okresie obowiązywania umowy wymaga zgody pożyczkodawcy wyrażonej na piśmie. § 8. 1. Umowa powinna przewidywać możliwość umorzenia pożyczki do wysokości 50% kwoty udzielonej pożyczki, pod warunkiem prowadzenia działalności przez okres co najmniej 24 miesięcy i spełnienia pozostałych warunków umowy. Kwota umorzenia pożyczki nie może przekroczyć w dniu jej umorzenia nie spłaconej części pożyczki. 2. (9) Potwierdzeniem prowadzenia działalności, z zastrzeżeniem ust. 2a, jest: 1. zaświadczenie o wywiązywaniu się z obowiązku podatkowego, wydane przez: 1. urząd skarbowy - w odniesieniu do działalności gospodarczej oraz prowadzenia działów specjalnych produkcji rolnej, 2. urząd gminy - w odniesieniu do działalności rolniczej, 2. protokół przeprowadzonej kontroli faktycznego prowadzenia działalności przez pożyczkobiorcę, sporządzony przez pożyczkodawcę. 1. (10) W przypadku prowadzenia innego rodzaju działalności rolniczej, potwierdzeniem prowadzonej działalności jest protokół przeprowadzonej kontroli faktycznego prowadzenia działalności przez pożyczkobiorcę, sporządzony przez pożyczkodawcę. 3. W przypadku umorzenia kwoty pożyczki umorzeniu podlegają również odsetki, jakie przysługiwałyby od kwoty umorzonej. 4. O umorzeniu bądź odmowie umorzenia pożyczki pożyczkodawca powiadamia pożyczkobiorcę w formie pisemnej w terminie nie przekraczającym 30 dni od złożenia wniosku o umorzenie. 5. Złożenie wniosku w sprawie umorzenia pożyczki nie zwalnia pożyczkobiorcy z obowiązków wynikających z umowy, a w szczególności z kontynuowania działalności i wpłat kolejnych rat. 6. W przypadku niepodjęcia w terminie określonym w ust. 5 decyzji o umorzeniu bądź odmowie umorzenia pożyczki, następuje zawieszenie wpłat kolejnych rat pożyczki do czasu otrzymania decyzji. 7. W przypadku śmierci pożyczkobiorcy i przejęcia jego majątku w drodze spadku oraz kontynuowania przez spadkobiercę działalności prowadzonej przez spadkodawcę, umorzenie części pożyczki może nastąpić, jeżeli: 1. spadkobiercą jest osoba niepełnosprawna, lub 2. spadkobiercą jest małżonek będący osobą pełnosprawną, która: 1. ma na utrzymaniu osoby niepełnosprawne, lub 2. pozbawiona jest jakiegokolwiek źródła dochodu. § 9. 1. Umowa może przewidywać odroczenie terminu spłaty kwot pożyczki i odsetek od udzielonej pożyczki nie przekraczające 6 miesięcy. Okres całkowitej spłaty pożyczki nie może jednak przekroczyć 48 miesięcy od dnia wypłacenia całej kwoty pożyczki (w przypadku wypłaty w transzach - ostatniej transzy). 2. Na wniosek pożyczkobiorcy, uzasadniony szczególnymi względami społecznymi lub gospodarczymi, pożyczkodawca może okres spłaty pożyczki wydłużyć do 54 miesięcy od dnia jej wypłacenia. § 10. Umowa powinna przewidywać jej wypowiedzenie w przypadku niedotrzymania nawet jednego z warunków umowy. Z wrot nie spłaconej pożyczki powinien nastąpić w terminie nie dłuższym niż 90 dni od daty wypowiedzenia umowy: 1. wraz z należnymi odsetkami w przypadkach niezawinionych od pożyczkobiorcy, 2. wraz z odsetkami w wysokości 15% od udzielonej kwoty, w przypadku gdy pożyczkodawca stwierdzi niewłaściwe realizowanie umowy z winy pożyczkobiorcy, zwłaszcza przeznaczenie jej na inne cele. § 11. W razie śmierci pożyczkobiorcy i nieprzyjęcia spadku przez spadkobierców, obowiązek uregulowania zobowiązań wobec pożyczkodawcy przechodzi solidarnie na poręczycieli, jeśli poręczenie stanowi zabezpieczenie pożyczki. W razie zabezpieczenia pożyczki w innej formie niż poręczenie, pożyczkodawca dochodzi należności w sposób stosowny do formy zabezpieczenia. § 11a. (11) Środki finansowe uzyskane z wpłat: 1. rat pożyczek, 2. oprocentowania pożyczek, 3. zwrotów pożyczek wypowiedzianych w przypadku niedotrzymania warunków umowy, starosta zwraca Państwowemu Funduszowi Rehabilitacji Osób Niepełnosprawnych w ciągu 14 dni od ostatniego dnia miesiąca, w którym nastąpiła wpłata. § 12. Rozporządzenie ma zastosowanie do pożyczek udzielonych po dniu jego wejścia w życie. § 13. Rozporządzenie wchodzi w życie po upływie 14 dni od dnia ogłoszenia. |
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