Thus, already from June 1, the agency will begin to compensate the banking institutions had received loans on mortgage credit contracts, part of the loss of profits or losses incurred by them in connection with the restructuring of housing mortgage loans.
Mortgage Agency Lending begin payments under the state program of assistance to mortgage borrowers who are in difficult financial situation, from 1 June 2015 year. The authorized capital of the agency from the federal budget allocated for these purposes 4.5 billion rubles. As previously reported, according to AHML, restructuring should include feasible payments for the borrower.
Prime Minister Dmitry Medvedev signed a decree on assistance to mortgage borrowers who are in difficult circumstances, in late April. Borrowers who pay the loans in rubles, will be able to qualify for state assistance if their income fell by more than 30%. At the same time bought on credit property must be the only housing borrower. Another condition included in the program – the presence of a delay of at least 30 and not more than 120 days. Recall, the program provides support for a moratorium on repayment of principal during the period of assistance (from six months to a year) and a reduction in the rate to 12% for the entire period of the loan. In addition, the HMLA defined mechanism subsidy payments to banks, which will deal with the restructuring of the mortgage on the government-approved program. This loss will reimburse 50% of AHML, and the other 50% will take over the lender.
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