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The Bank of Russia does not see the need for additional support Russians Pogorevshikh on a currency mortgages, said the head of the regulator Nabiullina. Affected ipotechnikam consider state aid insufficient and recalls the responsibility of the Central Bank, the ruble release without warning banks and their customers.
“I do not yet see the need for additional measures,” – said the head of the Central Bank.
“We have been discussing with the government measures that could be implemented to address the support of people who were in difficult situations, and not just currency borrowers, but also people who took mortgages in rubles. Regardless of the currency it should be targeted support to the government, “- she said.
The ruble began a gradual weakening of the end of 2013, which accelerated the fall of 2014, after the Central Bank announced a free course, reducing intervention and removing the trading band within which to support the ruble. As a result, by the end of 2014 the ruble fell by more than half.
suffered all those who took loans in foreign currency, but received income in rubles – and business and citizens.
According to According to the Central Bank, in the total amount of the mortgage at 1 March 2014 (3.5 trillion rubles.) on foreign currency loans accounted for 148.7 billion rubles. (In Vol. H. 19.534 billion rubles. Overdue), or 4%.
The rate of service increased from 9.5% before the crisis to about 12%.
The number of “money changers” ( issued credits) – about 70 thousand. Pisarenko Svetlana – one of the victims of Russians, which has taken five years ago in the “Delta Credit” a loan of $ 140 thousand. at the rate of 30 rubles ./$ – faced with the inability to repay the loan.
As a result, she explained, because of exchange rate changes occurred unpaid share of its loan, calculated in national currency is automatically doubled to 3 million rubles. up to 6 million rubles. And this unfair and heavy sum will probably have to pay for her children and grandchildren, if the event will continue to develop in today’s scenario, summarized the borrower, to tell his story site “News. Economy”.
She and the other victims, said that the Central Bank had to take prompt steps to prevent dramatic appreciation of foreign currency loans.
The Central Bank over the years has consistently pursued a policy of currency corridor, and, guided by her people took currency mortgages. In the autumn of 2014 the Central Bank let the ruble float freely.
“The result – people can not serve foreign currency loans, which grew twice. The decision to” target inflation “was not made in one day, the central bank went to it at least six months. Why did he, as a body to oversee the banking system, not timely issued instructions or orders requiring banks to refinance? ” – Outraged Irina Safianov, a spokesman for the All-Russian Association of currency borrowers.
“In addition, the central bank allowed banks to issue currency mortgages, which in fact turned out to be bonded, low-quality product. People took currency credit, trust banks, which professionally provide financial services – said in an interview with Safianov site “Vesti.Ekonomika.” – Banks evaluating our risks, often denied ruble loans, but offers currency “.
” the need to work on the bugs, and the All-Russia Association currency borrowers need to create a group with the Central Bank, which will include representatives of the central bank, government, banks and currency borrowers to work out solutions to resolve the situation, “- said the association.
Part of currency” mortgage holders “have filed lawsuits .
The lawyers are skeptical
Alexei Kravtsov, the chairman of the arbitration Arbitration Court of Moscow, president of the Union of arbitration courts, believes that mortgage borrowers prognosis is poor: make profit organizations, which is what banks abandon its commercial profit is impossible. Neither legally nor morally.
“I know that negotiations are ongoing with the banking community on this issue – said Kravtsov site” News. Economy. “- Likely to be found some consensus, partly because the economic situation in the country is dictated by the actions of the state and to solve this problem only by banks will not work. If the state will take over some part of the compensation to banks for losses which they may incur, – this is the most likely situation “.
As for the” targeted support “(statement Nabiullina) expert also skeptical.
” If it is decided to finance the losses of banks, then, as will be discussed technically, it does not matter, and the result is important. You have to understand that the state will compensate for these costs at the expense of taxpayers. I also know that the banks in the framework of debt restructuring came with additional requirements for the program. That is, they require that the restructuring of the debt to a loan agreement have made the arbitration clause. Because then – Bank will give banks and borrowers – it’s only interest, but it does not solve the problem themselves of loans, “- said Kravtsov.
“The number of borrowers who use currency mortgages, is not very large, and developers, in general, no matter what currency the customer took out a loan, because for sale exclusively in rubles. This problem is at the level of “buyer-bank”, although closely developer and the bank can assume some pressure on buyers. But it is extremely rare circumstances, if any, have taken place, “- said the head of the company” Inprofstroy “Atsamaz Bolataev.
A reduced rate of something
In the end of January this year, the central bank issued a recommendation to banks to convert foreign currency mortgage loans in rubles at the official exchange rate of 1 October 2014 (39.38 rubles and 49.98 rubles ./$ . / €) at rates commensurate with the rates on ruble mortgage.
However, as shown by calculations, against the background of sharply increased lending rate (only in December, the Central Bank raised its key interest rate from 10.5% to 17%) – on the designated regulator reduced rate conversion – the debt burden of borrowers is even greater than before the refinancing.
In such circumstances, consider borrowers output could be refinancing loan, the comparison (as recommended CB) with the average rate on ruble loans in October 2014 at 12.2% .
However, while the essence of the case, the Central Bank is expected at the end of the scheduled meeting on April 30 will make a decision about the next rate cut from the current level, which was reduced by 16 March from 15% to 14% per annum. Investment bank Goldman Sachs expects to reduce the key rate of the Bank of Russia in 2015 to 8% per annum. And then the currency mortgage servicing will be possible, but of debt, grew up in the 1.5-1.7 times since the ruble firmed to a level of 50, which is the head of the Ministry of Economic Development Alexei Ulyukayev called fundamental.
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