ARIZHK until the end of December 2010 is going to decide whether a renewed program of restructuring of mortgage loans to borrowers on social criteria. In 2011, the agency is going to work on a new, more active program, and warned that it would be hard to deal with those borrowers who do not want to fulfill their obligations. As told today, December 13, CEO Andrew ARIZHK Languages for two years of credits 7.5 ARIZHK optimized thousands of borrowers in the total amount of 11.7 billion rubles. In total, according to Yazykov in ARIZHK paid 40 thousand people, of which 10.8 thousand were in need of restructuring, 8.5 thousand turned it on social criteria, 7.5 thousand - really got help, and for 3 five thousand restructuring process has ended. For those who came of "ARIZHK" restructures distressed mortgage loans under the program of state borrowers in difficult life situations. The authorized capital of the Agency is 5 billion rubles. The owner of 100% minus one share of AHML is the holder of one share of the Association of Russian Banks. Not social, but actively Andrew Languages explained that the restructuring program quite in demand, but in 2011 the agency plans to send more work to work actively with the creditors. Language explained that ARIZHK launch a new program - "active restructuring." "Under this program will get any credit, which we will give the lender. Agency will develop measures to restore the solvency of the borrower, and then return it to the bank ", - said ARIZHK, stressing that the agency will be tough enough to deal with borrowers who will not fulfill its obligations. "Seeking although it is an extreme measure, but would apply to the negligent defaulters" - he said. The decision to start work on the new program should be on the website ARIZHK stating that an application for initial restructuring will be taken by agents of "ARIZHK" until December 24, 2010 inclusive, so that citizens who wish to use the restructuring program for the first time must submit a complete set of documents to agents JSC "ARIZHK" in the region as soon as possible. Repeated restructuring for those borrowers who could not restore their ability to pay, for objective reasons in the deadline for the program, the lender or ARIZHK can be carried out only if the consent of the bank and the borrower's compliance with the criteria of a state program. In this case, the borrower's mortgage can be sold in ARIZHK. The mechanism of On ARIZHK information, a new "active restructuring" is developed on the basis of state support programs for subprime borrowers who find themselves in difficult situations, which is implemented ARIZHK in 2009 and 2010. The new program will differ from the program of state requirements for a lack of social problem borrowers. In particular, one of the main requirements of the program - the only shelter for living and non-elite level. Also, since the "active restructuring" is designed for the borrower, but focuses on the creditor, without the consent of the credit institution no action with default by the borrower ARIZHK conduct will not be. Under this program can get any mortgage loan on which there is delay. After developing an individual program of measures to address this situation and restore the solvency of the borrower, ARIZHK return it to the bank or to carry out the joint implementation of the loan. The amount of payment for services ARIZHK such assistance Andrew languages call it difficult. Among the solutions to the problem of non-payment - tools associated with a reduction in pressure on the borrower (on-lending to the revised local market conditions to move), and the tools associated with the restoration of the borrower's income (for example, inter-regional relocation). As a rule, they are little used by creditors because of the complexity of processes. According to Andrei Yazykov, one of the main problems of defaults on the loan is the lack of citizens' concept of "financial cushion." Meanwhile, the head ARIZHK hoped that in future statistics defaults on loans will be reduced, as are reduced and the financial crisis. The crisis is not over the opinion of the deputy chief of analytical department of "Investkafe" Alexandra Lozowy, currently the amount of indebtedness of natural persons for mortgage loans on 1 November 2010 amounted to 1.1 trillion rubles, including about 4% - is overdue. "In the beginning, the delay was 2.7%. In absolute terms, the volume of overdue loans increased from 31 to 43 billion rubles for the 10 months of 2010 ", - reported in" Investkafe. " "The increase in mortgage arrears I associate with the stagnation in the sector salaries, a rather complex situation with employment in many sectors of small and medium businesses. The fact that after the crisis most rapidly recovered from the banking sector, followed by starting to grow up big business and the sector of small and medium business as a whole continues to stagnate, "- said Alexander Lozova. She agrees that this program, especially in view of the fact that in 2011 will increase the tax burden on business by increasing contributions to social funds. "On the other hand, the proportion of delay is relatively low and the program does not necessarily extend to budgetary savings," - said the expert. "Most likely, the need for such programs is, as borrowers experiencing financial difficulties remain, and in almost all regions. Borrowers who lose their jobs and income, after the restoration of his employment does not always restore the level of income, forcing them to seek ways out of the situation in the payment of mortgage debt. For such borrowers ARIZHK almost the only possibility, because refinance debt at banks is almost impossible because of tainted credit history ", - considers the head of the provision and servicing of loans Flexinvest Bank Mikhail Kovalev. According to Mikhail Kovalyov, the future of the program depends on political will and HMLA, because in fact the organization (through its "daughter" ARIZHK) sent their money to "support" for borrowers. "Most likely, this program is commercially viable, and not just a social project, so it is possible and its sequel. However, the possible risks of the program is difficult to estimate, since the maturity of loans after the restructuring will not come on to all borrowers who participated in the program. That is, it is unclear whether these borrowers continue to tolerate delay "- sums up Kovalev.
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