Rules of providing a mortgage changed holidays

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www.vsyako.netPhoto: Konstantin Kokoshkin / “Kommersant”

The state Duma adopted in the second, mainly reading the draft law on mortgage vacation. About it reports “Interfax”.

Third reading is scheduled for April 18. The final version of the draft changes the criteria for difficult situations that may be grounds for vacation. Unchanged criteria such as registration as unemployed, the disability of the first or second group and temporary disability for a period of more than two months.

The project clarifies the conditions of granting vacation to the Russians, whose income fell by 30 percent or more. Such borrowers can get a deferment on payments if the monthly mortgage payments exceed half of his monthly income.

Another question touched the citizens who have increased the number of dependent minors or on the disabled first and second groups on the content. Such borrowers can rely for the holidays, if their total income declined by 20 percent or more, and mortgage payments began to exceed 40 percent of income.

The final version of the bill on mortgage vacation limits the amount of credit which may be granted six-month delay of payments. The maximum credit level set at 15 million rubles, and in the regions can enter their own limit within that amount.

Along with getting into a difficult situation, the project included two more requirements to the mortgage contract that may be granted deferral. First, the terms of the contract earlier should not be changed at the request of the borrower; secondly, the subject mortgage must be his only home.

The bill on mortgage vacation submitted to the Duma by a group headed by Valentina Matvienko and Vyacheslav Volodin, support for the initiative was expressed by the President of Russia Vladimir Putin. The main idea of the project is the opportunity for six months to suspend the payment of the mortgage loan or reduce their size to borrowers who are in difficult life situation. On the eve of the second reading to draft amendments were proposed abolishing the strict criteria for such a situation, but in the final version they were not included.

Video, photo All from Russia.

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