the fact that the suspension of coronavirus significant part of the Russian economy will cause a crisis of defaults on loans, it was clear as soon as some industries began to stay (tourism, aviation, events came to a standstill in March). What if work did not, wages are also, a mortgage requires your own? Was urgently prepared by the Federal law regulating credit vacation. That’s only performed this act, as it became clear by early may — not “as better”, and “as always”.
mortgage, major loans, avtozaymy — debts of this sort often eaten a fair part of the monthly income of ordinary people living “paycheck to paycheck”. The trouble is that more recently we have times were considered mediocre, though far from flourishing, but still stable. And salary — although not on her promotion — it was possible to count. But those “faded” in a few weeks.
– My salary at the Federal scientific institution is about a third of my regular income before the plague, the rest I gained commercial lectures and seminars, – says Alexander P., in 2019 mortgaged apartment. – I specifically calculated so that the mortgage is almost equal to my basic salary, saying that to pay enough, but otherwise even in the worst case’ll be okay. This is the worst case and it is: when banned all public events and in-person training, my extra income cleared and I was left practically without means of livelihood — the salary eats up a mortgage.
And it’s not the most dramatic case: at least in the payment for the apartment at Alexander enough. Maxim Popov, editor-in-flight magazine for an airline that is in connection with the suspension of the activities of the entire aviation and tourism industry, was completely unpaid leave. Mortgages that Maxim regularly pays almost 7 years, was nothing to serve. In principle, this is the case (the victim of the pandemic, industry, a conscientious borrower), when we need the promised state credit vacation. However, the Bank is one of the largest in Russia, part of international financial group — though not denying the delay directly, but imposes its conditions, which, in a period of self-isolation cannot be performed.
In March, even before the lockdown, I wrote a letter to the Bank: because they say so, do not refuse to pay, but I ask vacations, – tells priests, – in a week I was told – sent a nomination form and list of required documents. Sent. A week later – already flourished isolation – are asked to provide additional documents – excerpt from the egrn themselves and help 2NDFL from accounting.
Neither the accounting Department nor the offices of MFTS, where you can order an extract from Rosreestr, of course, don’t work now, but the Bank is not an argument, says Maxim. Online to issue at least a statement from the egrn is not so easy if you’re doing it for the first time at Maxim’s, for example, did not work.
– I openly wrote about it in social networks at the end of April, – told the “MK” priests. – And though to me in the comments came the robot-the representative of the Bank who promised to fix it, nothing was done. Just continue to call employees of Department on struggle against defaulters — trained “disciplining” of the votes they criticize me for punctuality and need to think of a way out. For example, to find “rich friends who can lend you money.” Or, if you don’t have to take many little friends, a thousand or two. So it’s easier, isn’t it? Or, you can sell anything unnecessary, and find the money for the payment.
if you refer to online reviews on banks, is quite common. And if you ask entrepreneurs in distress — also it turns out that this is a timeless story. “My Bank said that I see no reason to give holidays, – says Timur A., but if I bring a certificate that was sick with coronavirus, it will be able to do something for me.” The record, however, Timur no, because the coronavirus he, in fact, was not sick — only “was samotorova” your small trading business on the strong recommendation of the state.
– For mortgage borrowers is subject to two laws on vacation, – says the representative of the portal Banki.ru Eugene Ogurtsova. – By law No. 106-FZ, which was adopted in connection with the pandemic, to take a delay of six months is possible only on the loan not in excess of 4.5 million rubles in Moscow, 3 million rubles in St. Petersburg, the Leningrad and Moscow regions and in the far East, 2 million rubles in other regions. The second important condition — the decrease in income for the previous month by 30% compared to the average monthly income for the past year. For those who have a mortgage loan amount more, you should pay attention to the law on mortgage vacation № 76-FZ. It came into force last summer. The credit limit on it is 15 million rubles. The requirements on it harder, and documents will have to collect more. So, to get a reprieve on this law, when loss of a job, loss of ability to work for two consecutive months or more (this includes illness and maternity leave), receipt of disability group I or II. The decrease in income is also a valid reason to exit on a vacation, but demands the other. The average income over the last two months should fall more than 30% compared to the average monthly income for the previous year, and payments on a mortgage loan should be more than half DOHode. Also the basis for the requirement of delay could be the emergence of the borrower’s new dependents — children or people with disabilities. The income for the last two months is also expected to decline, but on 20% in comparison with the average income for the previous year, while mortgage payment is not less than 40% of monthly income. If you are applying for a mortgage holiday on № 76-FZ the documents, indeed, be more. You will need not only to prove the fact of a decrease of income, but also to provide the hospital or birth certificate of the child, an extract from Rosreestr, confirming that the mortgages issued on a single housing.
By law, the Bank must consider the application on vacation credit within five days. If within ten days the borrower does not receive any response to its demand, a grace period is established from the date of submission of the application. The lender may ask the borrower for additional documents. For this, the customer is given 90 days. But it is better to collect all the documents as soon as possible. If it turns out later that the documents do not confirm a decrease in income by 30%, there will be a delay for the skipped payments will accrue penalties and interest, and credit history will definitely be spoiled. Sometimes the Bank may refuse at once, without requesting additional documents. For example, if the borrower receives it wages and income shows that income has not decreased. In this case, the Bank of Russia recommends to the lender immediately contacted the borrower and to warn that the requirement about credit vacation will not be executed.
anyway, the correspondence with clients regarding vacation credit is active, while positive decisions do not guarantee. If you use this mode and did not work, the customer remains the possibility of “appeal” – appeal to the receiving of the Central Bank, which is a sort of guarantee of “good behavior” of banks in the country. There will understand. Maybe. After the end of the quarantine, certainly.
