you see a lot of useful information in relation to the current situation. Here you can learn whom and what measures of state support are now available, what new methods of fraud have appeared and how to avoid becoming a victim, what tools to choose for savings.
In this section you can find answers to many questions. Who is entitled to vacation credit? Who to contact for a free consultation? How to optimize the family budget in crisis? How to get out of a financial shock? How to protect your rights as a consumer of financial services?
Systematic information on measures to support the citizens and economy in the context of the pandemic presented on the website of the Bank of Russia. One of the key measures to support the Russian consumers – the so-called “law about credit vacation.”
Now many people have the threat of job loss and declining revenues, which could lead to the inability to pay Bank loans. To protect borrowers in the Federal law N 106-FZ made amendments to the law “On the Central Bank of the Russian Federation (Bank of Russia)”, according to which at the lower income by more than 30 percent, the borrower is entitled to receive from the Bank a six-month reprieve on loan payments.
On the resource describes in detail the procedure for obtaining such deferral.
In particular, the Bank will be entitled to request the borrower documents confirming the reduction of income, which must be presented to the Bank within three months.
the Grace period applies to those borrowers who have loan amount does not exceed the government maximum size, and if they are not taken advantage of the deferral of loan payments earlier.
the Maximum size of the loan:
• mortgage: no more than 2 million rubles – in most regions, 3 million rubles in Saint-Petersburg and the far Eastern Federal district, 4.5 million rubles in Moscow.
• car loans: no more than 600 thousand rubles;
• consumer loans: not more than 250 thousand rubles;
• credit cards: not more than 100 thousand rubles.
during the grace period is not allowed, the accrual of penalties (fine, default interest), a claim for early performance of obligations under the contract and (or) foreclosure on the collateral or the mortgaged property.
At the end of the grace period the amount of accrued interest recorded as liabilities of the borrower, which is repaid to them within 720 days after the end of the grace period by equal payments every 30 days. Those borrowers who do not fall under action of the law on credit vacation, it is important to know about the possibility of the application of the Federal law from 01.05.2019 № 76-FZ (the so-called “law on mortgage vacation”).
the law allows citizens who find themselves in difficult life situations, to obtain a delay of p��of Atia for up to 6 months (or reduce the size of the payments), and the maximum size of a mortgage loan according to this law, is 15 million rubles.
