vacation Credit will be able to use less than half of borrowers in mortgage and loans
Moscow-Live.ru
the Vast majority of borrowers with small consumer lending, will be able to use vacation credit subject designated by the government of the Russian Federation limits. However, the most sensitive for citizens mortgages and car loans do not fit into the limits in more than half of the cases, writes “Kommersant”, citing data from the joint credit Bureau (OKB).
According to the Bureau, the vacation credit can apply about 45% of owners ‘ loans (about 700 thousand loans), 49% of mortgage borrowers (more than 2.5 million loans), about 72% of borrowers with consumer loans (nearly 32 million pieces) and more than 90% of credit card holders (more than 45 million units). Consumer credit for holidays can potentially handle up to 20% of borrowers, on mortgages, the share of such borrowers up to 10%.
Particularly sensitive situation for borrowers from Moscow and St. Petersburg: in Moscow the average size of consumer credits is 528 thousand rubles, and to buy a car, residents of the capital took an average of 1.2 million rubles, and the average loan size exceeds the limit twice. Mortgage Muscovites were taking an average of 4.9 million rubles, which is more than triple the limit. Under the law, for the holidays will be able to claim those whose incomes fell by more than 30%, and it will affect approximately 16% of the population, but to provide supporting documents will not all of seeking.
VTB receivedor more than 700 complaints from customers in the framework of the law on granting the grace period of loan repayments. However, how many of them will be able to vacation given limits, the Bank does not have. In “Promsvyazbank” with a request about credit vacation appealed more than 200 customers. Thus, according to the Bank, under the restriction of the maximum amount of the loan covered about 15% of the mortgage portfolio of the Bank.
human rights activists believe that the limits on the amounts of obligations can trigger a surge of personal bankruptcies. Central Bank recommends to borrowers to negotiate with the Bank individually or use the mechanism of mortgage holidays, effective from 2019.
April 7, Deputy Finance Minister Alexei Moiseyev said that the government is considering increasing the maximum size of mortgage loans to citizens for the vacation credit. In this regard, discussed two options – a return to 15 million rubles for all loans (as in the mechanism of 2019), or to establish different maximums depending on the regions. The corresponding decision is planned to discuss the rest of the day concurrently with the issue of increasing the minimum wage, allows to raise the level of credit for the issuance of wages.
we will Remind, the maximum size of loans for those wishing to go on vacation credit is 1.5 million rubles for the mortgage and loans not business-related, to 600 thousand roubles for loans of 300 thousand rubles for consumer loans for individual entrepreneurs, 250 thousand rubles for consumer loans and 100 thousand roubles on credit cards for individuals.
the procedure of deferment under the law on vacation 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 on them are not platelisb, the fraud will be immediately detected.
