On June 1, HMLA will start paying mortgage borrowers under the state program aid – Moscow housing the newspaper “Apartment number”

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      10.05.2015
      23:15
     

Since the summer of this year, Russia will begin HMLA help all mortgage borrowers in the payment of debts. To count on state support can only the most problematic borrowers.

The Agency for Housing Mortgage Lending of the Russian Federation May 7, 2015 announced its intention to begin to help mortgage borrowers who find themselves in a difficult situation regarding the repayment of the loan. The corresponding decree was signed by Prime Minister Dmitry Medvedev at the end of last month. According to representatives of AHML help troubled mortgage borrowers will get since June 1, 2015. The volume of payments at the same time can not exceed 4.5 bar bln.

expect to receive “rescue” will be able to pay those mortgage borrowers whose income is due to the difficult economic situation in the country fell by 30% or more. Expect to be able to receive assistance in equal measure, as the ruble and foreign currency mortgage borrowers. In the case of the latter, they can get help on the condition that their monthly payments on the loan increased by 30 percent. Earlier, President Vladimir Putin stressed the need to help equally to all citizens with troubled mortgages, regardless of the currency in which it was taken.

In addition to all this, for a period of up to one year to repay the principal amount of the debt on ruble loans will be a moratorium. Until the payment of the annual interest rate of the loan will have to be not more than 12%, highlighted by AHML. As to the conversion of foreign currency mortgages in the ruble, it will be translated at the exchange rate of the Central Bank of the country at the time of restructuring.

At the same time 50% of the debt will assume AHML and 50% – the lender. The maximum amount of compensation for losses on the loan amount of 200 thousand rubles. For the principal may be deducted a maximum of 400 thousand rubles. Receive by HMLA money will not be the citizens themselves and the banks in which they took mortgage loans. After that, she-bank financial institution will gradually spend the proceeds to repay debt.