Funding for internationalization consortia egs financial care

Funding for internationalization consortia egs financial care

January 20, 2021 Off By Montero Theo

Contributions for the internationalization of small and medium-sized enterprises created by consortia for internationalization or with network contracts with non-consortium small and medium-sized enterprises

The contributions are aimed at supporting the conduct of specific promotional activities, of national importance, for the internationalization of small and medium-sized enterprises created by consortia for internationalization, including through network contracts with non-consortium small and medium-sized enterprises.

Beneficiaries

Consortia for internationalization:

  • they must be established pursuant to articles 2602 and 2612 and following of the civil code or in the form of a consortium or cooperative by industrial, artisan, tourist, service and agri-food SMEs based in Italy; In addition, companies from the commercial sector can participate.
    The participation of public and private entities, banks and large companies is allowed, as long as they do not benefit from public contributions;
  • they must have as their object the international dissemination of the products and services of small and medium-sized enterprises as well as supporting their presence in foreign markets also through collaboration and partnership with foreign companies.
    Aid intensity

The contribution for the expenses incurred by the consortium is 50%.

The eligible expenditure must be no less than € 50,000.00 and no more than € 400,000.00.

Eligible expenses for funding
The following initiatives are eligible:
• participation in international fairs and exhibitions;
• collateral events to international trade fairs;
• temporary showrooms;
• incoming of foreign operators;
• bilateral meetings between operators;
• workshops and / or seminars in Italy with foreign and foreign operators
• communication actions on the foreign market;
• specialized training activities for internationalization;
• creation and registration of the consortium brand.

established pursuant to articles 2602 and 2612 and following of the civil code or in the form of a consortium or cooperative by industrial, artisan, tourist, service and agri-food SMEs based in Italy; In addition, companies from the commercial sector can participate.

The participation of public and private entities, banks and large companies is allowed, as long as they do not benefit from public contributions;

  • they must have as their object the international dissemination of the products and services of small and medium-sized enterprises as well as supporting their presence in foreign markets also through collaboration and partnership with foreign companies.
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The alleged convenience of the variable rate egs financial care

Now it seems like a nursery rhyme: in the long run the variable rate pays off. But it is not an absolute truth.

Even if a little less than in the past, more or less convincing simulations appear periodically on the fact that, considering the historical series of the Euribor, in the long run the choice of a variable rate mortgage remains convenient.

However, we must not generalize and we invite you not to blindly trust those who provide absolute rules, or pre-packaged nursery rhymes. Know that in this historical period something is happening that, until now, has never been seen.

The changes compared to the past are:
• Euribor rate practically zero.
• Spreads applied by banks at record levels (average over 3%)

Short-term mortgages (10 years)
Nevertheless, for short-term mortgages (max 10 years), the variable is still the best choice, because almost everyone agrees that the recovery of the Euribor will still be slow. In other words, if today you can have a fixed 10-year mortgage with a rate of around 5%, it is unlikely that the Euribor will rise so much in the near future that you will exceed this rate threshold.

Given a 10-year variable rate mortgage, if the Euribor grows in the second half of the mortgage (ie between 5 years and more), the impact on the installment is not as deleterious as it might seem. The installment will grow but not exaggeratedly.

Medium-long term mortgages (20 years and more)
Let’s assume that the spread applied to the loan is 3%, to which the 1 month Euribor is added. In these times the overall rate would therefore be equal to 0.11 + 3 = 3.11%. Given a 30-year mortgage, in the amount of 150 thousand euros, the installment would be equal to 641.34 euros.
Well, this installment will almost certainly be the lowest installment you will pay from today to 30 years (at most it can go down by 4-5 euros within 2-3 months). If the Euribor reaches 5% in 10 years (possible), do you know that this installment will be around 1000 euros? Then, for heaven’s sake, the rates will go down and the installment will return below this threshold, but know that below today’s installment you will NEVER go down.

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All of these floating rate considerations refer to mortgages entered into during this period. Those who already have a mortgage in place for several years certainly have more favorable conditions than those offered these days.

Surface rights egs financial care

What is indicated in the Civil Code regarding the Right of Surface?
The surface right is a minor right in rem of enjoyment.

It is governed by Article 952 and following of the Civil Code: by virtue of it it is possible to build and maintain a building above (or below) a fund owned by others. The constitution of this right serves to suspend the principle of accession.

Apart from the ownership of the land, it is also possible to sell the surface right alone.
Unless otherwise and explicitly stated, the right is understood to be granted for an indefinite period. In the event of a fixed-term assignment, once the term has expired, the building right expires and the principle of accession returns to force.

The owner of the land has the right to request the payment of a fee, as well as to arrange a different intended use of the land, which could involve the demolition of what was built above it.
In condominiums, it happens that condominiums are co-owners of the area on which the building stands and have, individually, surface rights over the same in relation to their portions of solitary property.

It is also possible that the building right concerns the elevation of an existing building.

Macerata: loans to SMEs for patent filing egs financial care

Capital account financing for SMEs in the province of Macerata for an amount up to € 3,500.00 for filing and / or extension of patents

This experimental intervention is aimed at supporting the commercial use of the results of investments in research and development of Small and Medium Enterprises in the province of Macerata through the granting of patents.

  The specific objectives of the call are:

• promoting research, development and innovation of SMEs;
• support processes for enhancing the results of investments in research, development and innovation of SMEs;
• support the culture of innovation as the main factor in relaunching the competitiveness of businesses in the Macerata area.

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Beneficiaries
All SMEs in the province of Macerata that have obtained a search report with a NON-NEGATIVE OUTCOME can participate in the following call, which must have been issued by the EPO between January 1, 2012 and December 31, 2012, regardless of the date of filing of the application.

Aid intensity

  1. Filing of national patent application for industrial invention with search report with non-negative result € 1,000
  2. Extension of a national patent application for industrial invention (which has already received a search report with a non-negative result) to the EPO (European Patent Office) € 2,500
  3. Extension of a national patent application for industrial invention (which has already received a search report with results

not negative) to WIPO (World Intellectual Property Organization) € 3,500
No more than one application can be submitted by a single company. The contributions requested are not cumulative: a company can request a contribution only for one of the three possibilities indicated.

Eligible expenses for funding
The call is aimed at assigning a lump-sum grant for SMEs in the province of Macerata who have obtained a research report with “non-negative outcome” issued by the EPO following the submission of a national patent application exclusively for industrial invention or extension of a national patent application for industrial invention to the EPO (European Patent Office) or to the WIPO (World Intellectual Property Organization).

The search report with NON-NEGATIVE RESULTS must have been issued by the EPO between 1 January 2012 and 31 December 2012, regardless of the date of filing of the application.

Summary of the announcement
• Beneficiaries: companies
• Amount: for each project the maximum amount is € 3,500.00.
• Type: Capital account financing
• Expiry date: 28/02/2013
• Geographic Area: Province of Macerata
• Available Resources: 30,000 euros