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Innovation is the key to containing the worst effects of climate change.

A brutal war has weakened support for Hamas—but made peace with Israel harder.

Le président français Emmanuel Macron a-t-il snobé le Premier ministre indien Narendra Modi, à l'occasion du Sommet international sur l'Intelligence Artificielle à Paris ? C'est ce qu'affirme l'agence de presse de l'État russe Sputnik, qui s'appuie sur une vidéo tronquée... Au contraire, les deux dirigeants, qui co-présidaient l'évènement, ont échangé de chaleureuses poignées de main pendant trois jours, affichant leur complicité. 

Alors que François Bayrou nie avoir eu connaissance de faits de violences et d'abus sexuels au sein de l'établissement catholique béarnais Notre-Dame de Bétharram, où ont été scolarisés plusieurs de ses enfants, Médiapart a publié mercredi de nouveaux documents et témoignages sapant sa défense. Les victimes réclament justice, une partie de la gauche demande sa démission.

Jean Castex a été relâché en début de soirée, jeudi, après avoir passé la journée en garde à vue dans le cadre d'une enquête qui se poursuit pour "détournements de fonds publics sans enrichissement personnel", concernant un dossier d'aide économique à une entreprise alors qu'il présidait la communauté de communes Conflent Canigo dans les Pyrénées-Orientales.

Az elmúlt napokban pozitív változások érkeztek a kamattámogatott hitelek kínálatába, amelyek célja, hogy még kedvezőbb feltételekkel támogassák a hazai vállalkozásokat. Ezek a módosítások jelentős mértékben javítják a finanszírozási lehetőségeket, különösen a GINOP Plusz hitelprogramok és a Széchenyi Kártya Program MAX+ konstrukciói esetében.

A GINOP Plusz hitelprogramok új lehetőségei

A GINOP Plusz-1.4.3. – 0%-os Hitelprogram (Pest vármegye és vidék) és a GINOP Plusz-1.4.4. – 0%-os Budapest Hitelprogram számos pozitív módosításon esett át. Az új szabályozás lehetővé teszi, hogy a kölcsönösszeg teljes, 100%-os részét szállítói előlegként használhassák fel, tárgyi eszközök beszerzése esetén. Ez különösen vonzó lehetőséget jelent azok számára, akik azonnali pénzügyi forrásokra alapozva kívánják fejleszteni eszközparkjukat.

További jelentős változás, hogy eltörölték a kötelező VTSZ-listát, ami egyszerűbbé teszi az eszközbeszerzést a hitelfelvevők számára. Az ingatlan-beruházások körében bővítették a célokat, így a korszerűsítés és felújítás mellett már építésre is lehetőség van – bár utóbbi nem érhető el a Budapest Hitelprogram keretében. Mindemellett emelkedtek a hitelösszegek is – a GINOP Plusz-1.4.3. esetében most akár 150 millió forintig, míg a Budapest Hitelprogramnál 75 millió forintig igényelhetnek finanszírozást a vállalkozások.

Szintén rendkívül előnyös változás, hogy a kezdő vállalkozások is részt vehetnek ezekben a programokban, legfeljebb 25 millió forint igényelt összegig. A hitelprogramok továbbra is 0%-os kamattal érhetők el, támogatva ezzel a vállalkozások fejlődését.

Mire lehet igényelni a hiteleket?

A GINOP hitelek sokoldalú felhasználási lehetőségeket biztosítanak, többek között új tárgyi eszközök és informatikai eszközök beszerzésére, immateriális javak vásárlására, építési költségek finanszírozására vagy megújuló energia alapú projektek megvalósítására.

Kamatcsökkentések a Széchenyi Kártya Program MAX+ konstrukcióiban

2025. március 1-jétől jelentős mértékű kamatcsökkentés lép érvénybe a Széchenyi Kártya Program MAX+ hiteltermékeinél. A beruházási és lízingkonstrukciók kamata 3%-ra csökken, beleértve az agrárhiteleket is. Ugyanezt az alacsony kamatozást élvezhetik a Mikrohitelek esetében is.

A folyamatosan igényelhető folyószámlahitel, Turisztikai Kártya és Likviditási Hitel kamata szintén mérséklődik, így az új kamatszint 4,5%. A környezetbarát megoldásokat keresők számára pedig jó hír, hogy a „ZÖLD” konstrukciók 1,5%-os kedvezményes kamattal érhetők el továbbra is. Ezek a változások különösen kedvező feltételeket biztosítanak azok számára, akik hosszabb távú fejlesztést vagy azonnali finanszírozási megoldásokat keresnek.

Jelenleg elérhető kamattámogatott hitelek

A kamattámogatott hitelprogramok portfóliója sokszínű, lehetőséget nyújtva minden vállalkozás számára, hogy megtalálja a céljainak leginkább megfelelő finanszírozási formát. Például a Széchenyi Kártya MAX+ hitelek között szerepel a Beruházási Hitel MAX+, amely akár 500 millió forintig biztosít forrást. Ez a konstrukció széles körű beruházási célokat támogat, így például gépek és berendezések beszerzését, üzletrész-vásárlást vagy ingatlanfejlesztést.

Ezen felül előnyös választás lehet a Mikrohitel MAX+, amely kisebb összegű finanszírozást nyújt, akár kezdő vállalkozások számára is, maximum 100 millió forint összegben. A likviditás biztosítása érdekében pedig a Likviditási Hitel MAX+ konstrukció áll rendelkezésre, amely azonnali, szabadon felhasználható pénzügyi forrásokat kínál.

További kiemelkedő lehetőség a GINOP Plusz hitelprogramok zöld célú alkonstrukciói, amelyek támogatják az energiahatékonysági fejlesztéseket, többek között napelemek telepítését, hőszigetelési projektek megvalósítását vagy elektromobilitási infrastruktúrák kiépítését.

A digitális fejlesztéseket keresők számára a DIMOP Plusz keretében elérhető digitalizációs programok is izgalmas lehetőséget nyújtanak, immateriális javak (például szoftverek) és felhőszolgáltatások beszerzésével. Ezen hitelek kifejezetten alacsony kamattal, 0%-os feltételekkel érhetők el, és célzottan támogatják a vállalkozások versenyképességének növelését a modern technológiák alkalmazásával.

Összegzés

A kamattámogatott hitelprogramok jelenlegi kínálata minden eddiginél kedvezőbb feltételekkel segíti a hazai vállalkozásokat. Legyen szó eszközbeszerzésről, digitális fejlesztésekről vagy zöld beruházásokról, a megfelelő konstrukció kiválasztásával jelentős előnyökre tehet szert. Érdemes mielőbb kihasználni ezeket a lehetőségeket!

Amennyiben bármelyik lehetőség felkeltette érdeklődését, keressen minket bizalommal!

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The post Kamattámogatott hitelek: Újdonságok és lehetőségek appeared first on Goodwill Consulting.

During her official visit to Israel and the occupied Palestinian Territories, EP President Metsola was the first European leader to enter Gaza in more than a decade.

Source : © European Union, 2025 - EP

During her official visit to Israel and the occupied Palestinian Territories, EP President Metsola was the first European leader to enter Gaza in more than a decade.

Source : © European Union, 2025 - EP

Mouvement social inédit pour l'industrie du jeu vidéo en France : une grève nationale était organisée jeudi avec des rassemblements dans une dizaine de villes pour dénoncer les conditions de travail et les suppressions d'emplois.

L'ancien président de la région Auvergne-Rhône-Alpes et désormais député Laurent Wauquiez a annoncé jeudi sa candidature à la présidence du parti Les Républicains. Le combat des chefs avec le ministre de l'Intérieur Bruno Retailleau, qui s'est déclaré mercredi, aura bien lieu à droite.

A Design Terminal konzorciumi partnereivel közösen elindítja az ingyenes, AI EDIH projekt keretein belül a Startup Mentoring II. kohortját, ahova olyan csapatok jelentkezését várják, akiknek:

Check out our timeline for an overview of how the EU and the European Parliament continue to support Ukraine in 2025.

Source : © European Union, 2025 - EP

What will happen if the US imposes extra tariffs on EU products? Find out the facts about EU-US trade and what the EU could do in case of a trade war.

Source : © European Union, 2025 - EP

Brexiters claim the EU is run by unelected bureaucrats. It’s untrue.

The EU is a democracy, run by elected politicians.

By comparison, the UK seems more like a quasi-democracy, with unelected decision-makers and undemocratic practises that would be considered despotic by EU standards.

The UK Parliament consists of 1,481 members across the Commons and Lords. However, while all 650 MPs in the House of Commons are elected, the remaining 831 members of the House of Lords were appointed and not elected.

Our Parliament has more unelected members than elected.

The number of members of the Lords often fluctuates due to new appointments, leave of absence, and disqualification. Voters have no say in this process.

The House of Lords is the upper chamber of the UK Parliament. It plays a key role in the legislative process, scrutinising government actions, and providing expertise on policy and law.

Although it has limited power compared to the elected House of Commons, for a Bill to become law it must be approved by both the Commons and the Lords except in certain circumstances. Ultimately, however, the elected Commons has the final say over legislation.

The House of Lords is the only upper house of any two-chamber parliament in the world to be larger than its lower house.*

[*Source: Alan Siaroff, Comparing Political Regimes]

By stark contrast, the European Parliament has 720 members, all elected.

Just look at other aspects of so-called British ‘democracy’ that would be considered alien in the EU:

 We have a legislative system whereby most laws are made by Statutory Instruments, drafted by the Civil Service, which cannot be amended by Parliament and most of which become law automatically, without a Parliamentary vote.

We have governments that can bypass Parliament with the use – and abuse – of arcane and ancient Royal Prerogatives and Henry VIII clauses.

We have an old-fashioned voting system of first-past-the-post resulting in governments that most people didn’t vote for. (In European Parliament elections, voting is by proportional representation).

We had a Prime Minister who could (until it was ruled unlawful by the Supreme Court) close down Parliament for an extended period at his will and without Parliamentary approval.

We had a Prime Minister who attempted to initiate Brexit without Parliamentary authority and spent considerable sums of public money in litigation defending her “right” to do so.

We had a government that gave lucrative contracts to their friends, bypassing usual procurement procedures and public accountability.

We had a referendum in which two out of the four nations of the United Kingdom, along with Gibraltar, voted strongly against Brexit, but the UK government went ahead with it anyway.

We have an unelected head of state (although the King has no real power to intervene on important issues).

None of these undemocratic situations would be acceptable in the EU.

But how many people in Britain truly know that the EU is a democracy?

For years, Brexit politicians and papers have been selling us the blatant lie that the EU is undemocratic, even a “dictatorship” and run by unelected bureaucrats.

Let me take this opportunity to explain why that is not the case.

EU MEMBERSHIP REQUIREMENTS

In the EU, democratic governance is the number one requirement of European Union membership.

In 1962, the year after Britain first applied to join the EEC, Spain also applied.

The country was then governed by authoritarian dictator, Francisco Franco. Spain’s membership application was flatly and unanimously rejected by all members of the European Community.

The reason? Because Spain wasn’t a democracy.

Indeed, if the UK was applying to join the EU now, recent events could present questions over the validity of our application and whether our democratic governance is currently robust enough.

Remember, recent Tory governments wanted to scrap our Human Rights Act and also opposed the European Union’s Charter of Fundamental Rights.

Conservative leaders have  also threatened to leave the European Convention on Human Rights. The current Tory leader, Kemi Badenoch, has said she was willing to consider leaving the Convention if she became Prime Minister.

Such a move would bar us from joining the EU, where a commitment to human rights is a strict membership requirement.

Before becoming a member of the EU, an applicant country must demonstrate that it has a stable government guaranteeing:

• Democracy
• The rule of law
• Human rights
• Respect for and protection of minorities
• The existence of a functioning market economy
• The capacity to cope with competitive pressure and market forces within the Union

Most countries that applied to join the EU did not meet these strict membership requirements and so they needed many years to prepare for the process before their application could be accepted.

NOTE: The UK’s unelected House of Lords may be a barrier to the UK being accepted as an EU member if we apply to re-join. We may have got away with having an unelected second chamber when we first joined in 1973, but there is a question mark over whether our application would be successful again without deep constitutional reforms in the UK. 

 EU MEMBERS

Contrary to what many people in Britain understand, the EU is a democracy, democratically run by its members.

These comprise the democratically elected governments and Parliaments of EU member states, alongside the directly elected European Parliament.

All the treaties of the EU, upon which all EU laws must be compatible, and any new countries applying to join the EU, must be unanimously and democratically agreed by all the national parliaments of every EU member state, however large or small.

In some EU countries, according to their national constitutions, agreement must also be obtained by regional parliaments and national referendums.

All the EEC/EU treaties since Britain joined the European Community in 1973 were fully debated and democratically passed by our Parliament in Westminster.

Not once were any changes to our EU membership imposed upon us, and neither could they be, as the EU is a democracy.

In addition, every EU country has a veto on any treaty changes or any new country joining.

(Compare that to our referendum of 2016, when a majority of citizens in Scotland and Northern Ireland voted against Brexit, but it made no difference.)

THE EUROPEAN PARLIAMENT

The European Parliament is the EU’s law-making body, alongside the EU Council, also called the Council of Ministers, which comprises the departmental ministers of democratically elected governments of every EU country.

The Parliament is directly elected every five years by citizens in all EU countries. The latest European elections were held in June 2024.

There are 720 MEPs (we used to have 73 MEPs from the UK representing us in Europe; alas, no more).

Each European country is proportionally represented in the Parliament according to their size of population.

EU laws can only be passed by the European Parliament in concert with the Council of Ministers.

The Council shares law making and budgetary powers with the European Parliament. When voting on proposed EU laws, its meetings must be public.

Alongside the Council, the European Parliament has the democratic power to accept, amend or reject proposed laws and regulations.

According to extensive research at the time by VoteWatch Europe, over 97% of adopted EU laws in the 12 years to 2016 were supported by the UK.

There are proposals to give the European Parliament new powers to directly initiate legislation.

 THE EUROPEAN COMMISSION

The European Commission is the servant of the EU, and not its master. Ultimately, the Commission is beholden to the European Parliament, and not the other way around.

The candidates for Commission President are proposed by a qualified majority of the European Council, which comprises the Prime Ministers or Heads of States of EU countries, taking account of the latest European elections.

Similarly, the Commission is composed of one member from each member state “suggested” by the national governments of each member state, but elected by a qualified majority of the European Council.

The Commission President must then be elected by an absolute majority of all MEPs (i.e. over 50% of them).

Indeed, Ursula von der Leyen could only become Commission President – for a second term – with the democratic backing of over half of ALL MEPs.

Each proposed Commissioner must also be democratically approved by the European Parliament in a strict vetting process. The Parliament has the democratic power to reject candidate Commissioners – as two were in in 2019.

After the 2024 European Parliament elections, European Parliament’s hearings, held in November 2024, involved rigorous evaluations of the Commissioners-designate. While no nominees were outright rejected, several faced intense scrutiny and challenges during their hearings.

The Parliament also has the democratic power to sack the entire Commission at any time during its five-year tenure.

The Commission is responsible for implementing the democratic decisions of the EU, upholding and enforcing democratically passed EU laws and treaties, and managing the day-to-day business of the EU.

The Commission also proposes new laws, but they only do this in close collaboration with the European Parliament and Council of Ministers, as only the Parliament and Council can pass laws.

The Commission has zero power to pass any laws.

Before the Commission proposes new laws, it prepares ‘Impact Assessments’ which set out the advantages and disadvantages of possible policy options.

The Commission then consults interested parties such as non-governmental organisations, local authorities and representatives of industry and civil society. Groups of experts also give advice on technical issues.

In this way, the Commission ensures that legislative proposals correspond to the needs of those most concerned and avoids unnecessary red tape.

Citizens, businesses and organisations also participate in the consultation procedure. National parliaments can also formally express their reservations if they feel that it would be better to deal with an issue at national rather than EU level.

 THE EUROPEAN COUNCIL

The European Council consists of the democratically elected leaders of each EU country – their Prime Ministers and Presidents. It is the EU’s supreme political authority.

The Council does not negotiate or adopt EU laws, but it does democratically set the political goals and priorities of the European Union, including the policy agenda of the Commission.

The Council also democratically chooses candidates for the post of Commission President, which the European Parliament must then elect with an absolute majority of MEPs.

The Council President reports to the European Parliament.

UK MEMBERSHIP OF THE EU

During our membership, Britain democratically helped to run and rule the EU, and not the other way around. Whatever the EU is and has become, Britain helped to create it.

Indeed, the EU can become whatever all its members unanimously agree it can become. But of course, that only applies to EU members, and not to ex-members.

Outside of the EU, Britain can only watch as democratic decisions about our continent are decided without us, even though those decisions affect us just as much, whether we are a member or not.

Leaving the EU has meant a loss of sovereignty. We no longer have a say, votes, and vetoes on the running and future direction of Europe.

• Join the discussion about this post on Facebook, LinkedIn, YouTube, Instagram, BlueSky
• Related video: The BBC got it wrong, so this video explains how the EU functions as a democracy



• Related video: Why the UK joined the EU – and why we might join again for the same reasons

• Related video: Why Brexit is a colossal mistake, by former Prime Minister Sir John Major



The post The EU is more democratic than the UK appeared first on Ideas on Europe.

• During the current decade, Greece’s development policies are guided and supported by both the Cohesion Policy through the 2021-2027 Partnership Pact for Regional Development (NSRF) and the Recovery and Resilience Facility (RRF) through the National Recovery and Resilience Plan “Greece 2.0”.
• The parallel action of these two programming and funding instruments represents an unprecedented development opportunity for Greece and its Regions, but raises important issues of strategy, coordination and management.
• This paper focuses on the institutional architecture and the governance and implementation mechanisms of the NSRF and the RRF and attempts to explore the implications of these institutional arrangements for public policy in Greece.

Read here in pdf the Policy Paper by George Andreou, Research Fellow, ELIAMEP; Assistant Professor at the School of Political Sciences, Aristotle University of Thessaloniki (in Greek).

Módosult a „Nagyvállalati fókuszterületi innovációs program” című és 2024-1.1.2-NAGYVÁLL_FÓKUSZ kódszámú pályázati felhívás.

The Rwandan government must withdraw its troops from the Democratic Republic of Congo’s territory and cease cooperation with the M23 rebels, Parliament says.
Committee on Foreign Affairs

Source : © European Union, 2025 - EP

The Rwandan government must withdraw its troops from the Democratic Republic of Congo’s territory and cease cooperation with the M23 rebels, Parliament says.
Committee on Foreign Affairs

Source : © European Union, 2025 - EP

On Thursday, the European Parliament adopted human rights resolutions on Türkiye, Nicaragua and Nigeria.
Subcommittee on Human Rights

Source : © European Union, 2025 - EP

On Thursday, the European Parliament adopted human rights resolutions on Türkiye, Nicaragua and Nigeria.
Subcommittee on Human Rights

Source : © European Union, 2025 - EP