The government has decided to allocate 4.5 billion rubles for the program of assistance to mortgage borrowers who find themselves in difficult financial situations. It is designed for different categories of debtors. The hardest thing now accounts Monetary ipotechnikam. They are in Russia is a few thousand, and debt have increased over the last year at least half time.
On what to do with foreign currency debt, changes in the bankruptcy laws of natural persons and financial commissioners and key issues for which borrowers have complained, in an interview to “Rossiyskaya Gazeta” said Financial Ombudsman Pavel Medvedev.
See also
Pavel, in the current economic realities to solve the problem of foreign currency mortgage holders who have already gradually begin to storm the banks? Are there many debtors there?
Pavel Medvedev: such debtors in the Russian scale is not so much of some 25 thousand people at the While all mortgage borrowers 3.5 million.
With regard to assistance, but now there is a government program to support mortgage borrowers. I hope that it will help debtors ruble, but it is unlikely that it is enough for currency. No wonder foreign currency borrowers are trying to win concessions from the creditor banks.
How often do they do it?
Pavel Medvedev: As far as I know, some banks have made certain concessions, but not all and not in the least expected debtors. However, expect to make significant concessions on the part of the banks is not necessary. The fact that the banks give a loan the money, which themselves have someone lend. If the bank does not receive from the borrower’s currency at the exchange rate of the real, he will not be able to return it to the lender on the same exchange rate.
3,5 million borrowers in Russia now to service the debt for housing. Currency mortgage holders among them – 25 000
What kinds of debts to banks are now paid in Russia the worst?
Pavel Medvedev: Mortgage served best car loans – in second place. Most bad debts – is unsecured consumer loans. And, sadly, a lot of them.
What are the problems borrowers are turning to you this year?
Pavel Medvedev : The situation has changed with references rather quantitatively than qualitatively. This year, from the very beginning of our activities, the most traded on the restructuring of its debt. Unfortunately, the law on bankruptcy of physical persons is not working, as was expected of him. Even just trying to apply very few debtors – too many obstacles for this. For example, I do not know a single person who would use the law. In fact, he was in favor of the lender, not the borrower. Even lenders, interestingly, sue debtors not too often.
See also
Getting a growing number of people who simply seek advice, the trend was born in 2015. Usually they come to consult much zakreditovannye people who are looking for at least some way out of the situation.
What should change in the law on bankruptcy of physical persons to make it work at full capacity?
Pavel Medvedev: The law must be made more “cheap” for citizens. For now, the debtor entitled to hire a financial manager, of course, for the money – this is a serious obstacle to many stops. But the main obstacle – the lack of friendliness of the court. Because of this, it is literally impossible to enter without a lawyer. Attorneys’ fees, usually obessmyslivaet law. At least in the part, which is focused on debt restructuring. But many debtors is right for this option.
Maybe the long-awaited adoption of the Financial Ombudsman, which depends on the stage of first reading in the State Duma, will be able to help?
Pavel Medvedev: I put this law is very high hopes. For now, the number of citizens who are unable to service its debt, reached seven million. Again, the restructuring of debt for most of them – the salvation. But as the rescue and restructuring for the lender. It gives him the opportunity, even later, but still get your money back.
Infographics: WG / Maria Pakhmutova / Roman Markelov
mistake ? Highlight the text with error, and press Ctrl + Enter , to tell us about it.
No comments:
Post a Comment