Refusal of payments on the mortgage proposed to legalize

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Photo: Natalia Seliverstova / RIA Novosti

The Bank of Russia made a proposal to allow those in difficult life situations mortgage borrowers to suspend payments on loans. It is reported RIA Novosti with reference to the first Deputy Chairman of the Central Bank Sergey Shvetsov.

“We have suggested that the standard mortgage included an option for a citizen to waive payments on a mortgage loan”, — said Shvetsov, adding that in Russia, the cases of shift work citizens 30-35 years. Often it is not the will of the employees themselves, but because of cuts or because of plant closures, said the Chairman of the Central Bank.

Such employees are guaranteed to find the work for a period of three to six months, said Shvetsov. Officials announced the initiative envisages to allow such citizens to unilaterally temporarily suspend mortgage payments. The same rule is proposed to extend to the Russians, got into an accident or get a temporary disability due to sickness.

The Bank will not suffer losses, because the term of the loan will be extended, and the Central Bank will not this include these loans to overdue, said Shvetsov.

The initiative of the Central Bank assumes to make this opportunity a single for the borrower, but in the future the regulator does not rule out the introduction of a variant with multiple delay.

Earlier analysts “House.of the Russian Federation” shared statistics according to which October 2018 was the month with the largest volume of mortgage lending. For the month it was issued 141,3 thousand credits for the sum 299,8 billion. “This is a record monthly volume of issuance (…) in the history of the development of the mortgage market in Russia”, — emphasized in “the House.of the Russian Federation”.

Video, photo All from Russia.

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