To apply for a loan in the bank it will be enough a self-certification which will contain only you are information. The novelty is contained in an amendment to Companies decree reformulated by the speakers and approved on Thursday by the Finance and Productive Activities committees of the Chamber. Requests are thus accepted simplification and speeding up of bank checks advanced by all parliamentary groups.
The self-certification system will be used for loans to companies guaranteed by Sace, but also for requests for loans with guarantees from the Central SME Fund and for applications presented by subjects who carry out professional activities in an associated or autonomous form.
The amendment confirms the obligations imposed by anti-money laundering law, but specifies that "for the verification of the elements attested by the self-declaration the subject that disburses the loan is not required to carry out further checks with respect to the formal verification of what has been declared".
The self-certification therefore replaces the deed of notoriety and must be attached to the loan application. Inside it, it will be necessary to indicate the following information:
- that the business activity has been limited or interrupted by the coronavirus emergency or by the anti-contagion measures, before which there was a condition of business continuity;
- that the company data provided upon request by the bank are true and complete;
- that the guaranteed loan will be used for costs related to personnel, investments or working capital employed in plants located in Italy;
- the loan applicant also claims to know that the money will be credited to a dedicated current account, whose data must be indicated;
- that the owner and legal representative of the company respects the anti-mafia rules and has not received final convictions in the last five years for tax crimes.
Once the bank has received the self-declaration, it turns it over to Sace, a company of the CDP group that deals with loan guarantees.
To prevent attempts at mafia infiltration, a memorandum of understanding will also be launched between the Ministries of the Interior, the Economy and Sace itself.
