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the Russian Government has set a maximum amount of credits for physical persons and individual entrepreneurs, which borrowers can expect to vacation credit in the aftermath of the pandemic coronavirus
Moscow-Live.ru / Olga shuklina the Borrower may contact the Bank at any time during the time of the loan agreement, but not later than September 30, 2020. While the grace period that is established for the borrower, can deviate from the date of nomination, the requirements for 30 days on home loans and 14 days for consumer loans
mast3r / DepositPhotos the Government has also published a method of calculating the average monthly income of the borrower (total monthly income of the borrowers) to receive vacation credit
Moscow-Live.ru / Akishin Vyacheslav
the Russian Government has set a maximum amount of credits for physical persons and individual entrepreneurs, which borrowers can expect to vacation credit in the aftermath of the pandemic coronavirus. The law on credit holidays for the Russians, whose income fell by more than 30% compared to the average monthly income for 2019, came into effect on 3 April. Vacation credit is available for loans obtained before the law came into force.
the Borrower may contact the Bank at any time during the time of the loan agreement, but not later than September 30, 2020. While the grace period that is established for the borrower, can deviate from the date of nomination, the requirements for 30 days on home loans and 14 days for consumer loans.
According to the government resolution, the maximum size of loans for those wishing to go on vacation credit is:
– mortgage and loans not related to the enterprise – 1,5 million roubles;
– auto loans – 600 thousand roubles;
– consumer loans for individuals – 250 thousand rubles;
– consumer loans for individual entrepreneurs – 300 thousand rubles;
– credit cards for natural persons – 100 thousand rubles.
Bank holiday, so will be available only to a very limited circle of borrowers, writes “Kommersant”. The total portfolio of loans granted to date to individuals reached almost 18 trillion. According to the Bank, the amount of debt CAnd already made a decision on the restructuring, estimated at 200 billion rubles. To remain an application for credit requirements for 560 billion.
the Chief economist of Sberbank Mikhail Matovnikov noted that the procedure for obtaining a deferral according to the law on holidays is deceptively easy. Most applicants don’t know what the law is designed to help only those borrowers who are faced with falling income by 30% or more compared to the average value in 2019, and I can prove it.
the Law allows banks to check the information about the falling incomes in Federal tax, so if taxes are not paid, the fraud will be immediately detected and warned of Matovnikov. The newspaper notes that the government-set limits do not reach the average values of credits: above average was strap only for consumer loans.
the Average size of the loan in 2019 amounted to about 790 thousand rubles, in Moscow – above 1 million rubles. The average amount of a mortgage loan, according to “the House.Russia” amounted to 2,24 million roubles, in January – more than 2.4 million
the Newspaper reminds that mortgage borrowers can take advantage of holidays, which include last year’s amendments to the law on consumer crediting. Conditions tougher, but the loan amount is limited to 15 million rubles. However, both of those holidays at the same time can be used.
the Government has also published a method of calculating the average monthly income of the borrower (total monthly income of the borrowers) to receive vacation credit. The average monthly income of the borrower, an entrepreneur, for 2019 is determined on the basis of the information provided on the borrower for onward transmission upon request to the interested lender connected to a Single portal of public services, and is calculated as the quotient of all income for the year 2019 by the number 12.
the average Monthly income of physical persons, non-entrepreneurs, grasscityfair value is calculated by dividing total aggregate income of the borrower for the number of calendar months. To calculate the average monthly income of the borrower – physical persons, the lender calculates the monthly. If the number of calendar months, each of which has been paid exceeds five months, the Bank eliminates two calendar months with the highest and two calendar months with the lowest values of payments.
the Income is calculated on the basis of the information:
from FNS on the income of the borrower;
– about the size of pensions, a monthly allowance to judges or monthly allowances to judges, received from the Pension Fund or another pension paying public authority;
– the state of individual personal accounts of insured persons in system of compulsory pension insurance obtained from a Pension Fund or other public authority paying the pension to the borrower;
– the state of individual personal accounts of insured persons in system of compulsory pension insurance obtained from a Pension Fund or other public authority paying the pension to the borrower;
– information provided by the borrower, applying special tax regime “Tax on professional income,” using mobile app “My tax”.
Previously, the Russian government published the list of industries that are most affected due to the coronavirus. They will receive a six-month deferral of all taxes, small businesses will also get a reprieve on insurance premiums to the state Fund and rental of Federal property.
the list includes nine industries, including air transportation, airport operation, transportation, culture, leisure and entertainment, health activities and sports, tourism, hospitality, catering, organization of additional education, organization of conferences and exhibitions, as well as household services (repair, Laundry, dry cleaning, services of hairdressers aersky and beauty salons).