Until now, an extreme measure - the loss of an apartment - seemed more terrible dream than hard reality: the bankers acknowledged that the law is a hard option, of course, requires but a single instance of the practice could not remember. And now - started ... In Moscow, there was a conference organized by the National Association of Mortgage Market (NAUIR). Representatives of banks, mortgage funds, state structures discussed the problems of loan recovery and unscrupulous actions on the borrowers. - According to the second half of 2007, more than 1protsenta Defaulted mortgage loans were - Chairman of the Board NAUIR Vladimir Ponomarev. - This means that borrowers were found unable to pay. Banks in such cases are entitled to a refund of their money through the implementation of mortgaged apartment. To do this, the creditor must apply to the court, which rules specifying how the implementation of the mortgaged property (as a rule - for sale at public auction), the initial purchase price and the amounts payable to the bank. Of revenue for the apartment and deducted legal fees and expenses for the organization of public auction. But now to the point where the debtor shall bring to the court and forcibly evict in connection with the sale of apartments, reaches no more than 50 percent of the cases on Defaulted loans, say representatives of the banks. How much is this in specific numbers? - Today, in many regions there are from 3 to 10 cases in which banks are sued for foreclosure on the apartment borrowers in debt - said the president of the Association of Mortgage Companies (AIC) Aleksander BUYANOV. More than half of the debtors in this case to find a common language with the bank during the trial, so that the forced sale of apartments has touched units. But these poor fellows already there. And over time, they are projected to be more and more. Moreover, borrowers who are denied apartments in the coming years, may have to be much more complicated than the current "deportees." - In international practice, the average number of defaulted mortgages, under which debtors lose their mortgaged homes - 3 - 5 percent - said Vladimir Ponomarev. - Obviously, we have on the development of the mortgage (it our authorities are doing their main stake in solving the housing problem.. - Ed.) Coupled with a growing number of loans will increase and the number of people who can not pay. - For those who are forced to sell the apartment for payment of mortgage debt now, the situation is relatively favorable, - says Alexander Buyanov. - For the most part it is the citizens who took out loans 2 - 3 years ago. Then, in the first place, mortgage loans are issued, usually with 30 percent down payment, that is, buyers of apartments took out a loan of up to 70 percent of the cost of housing. Second, in recent years, the price of living space increased by several times. As a result, now after the sale of apartments in the borrower's still quite a decent sum: due to return to the initial contribution and profit from a rise in price of housing. So, after reckoning with a bank could still be enough money for at least long-term lease, and as a maximum - for the purchase of another home. But those who got loans with zero down payment in the past year and a half, if you have problems with repayment of the loan can come up pretty bad. Such borrowers loan amount is much more - all 100 percent of the cost of the apartment, and house prices are growing much slower pace, so that the gain from the price increase will be much lower. - Two or three years, when will defaults on such loans, people can really be in trouble - warns Alexander Buyanov. It should be noted, the law provides for assistance in such situations: the Housing Code citizens who lost their apartments due to the mortgage debt, temporarily take up residence in the home fund for maneuvering. Accommodation there - Standards hostel, that is 6 square. meters per person. However, according to the Agency for Housing Mortgage Lending, until such homes almost anywhere. Elevate them to the local authorities, but they are drowning in problems of providing housing waiting list, beneficiaries, etc. Note The most common reasons for non-payment of loss of job or other source of income of the borrower Note: if the borrower is unable to work and thus earn the same level because of ill health, under certain circumstances, it may fall under the disability insurance contract, which is when you make a mortgage loan. In such cases, to pay the debt helps the insurance company (the conditions specified in the rules of a particular insurance company). Divorce Experience has shown that in such cases, ex-spouses often begin to not care for the timely making payments on the loan, since the reason: I still do not remain the sole and full owner of housing, which invest in it if all would share in court and is not yet known who will get what ... CHECKLIST What the borrower, if there are problems with the return of the loan to start, keep in mind what the consequences are waiting for the debt. 1. Penalty for late making a monthly payment. This is the most mild measure, is used when a borrower not for long - a few days to months - delays payment on the loan. The average fine in different banks is 0.1 - 0.5 percent of the amount of the missed payment for each day of delay. 2. Early repayment of the loan. This is a tough measure banks use to those who are beginning to delay payments regularly - usually three or more times during the year, not necessarily consecutive. In this situation, the borrower must urgently seek funds for a full refund of the remainder of the loan. One way might be getting a new loan to another or the same bank. 3. Apartment for sale. This is an extreme measure. Apply if it becomes evident that in the foreseeable future, the borrower can not pay the loan. First, the bank offers to voluntarily sell the house. Of the unpaid balance of retained earnings credit, interest and penalties for late payments, and the remainder received the borrower. If the debtor does not want to voluntarily give up living space, then the bank may ask the court to force the sale of an apartment at a public auction. Tip: If you feel that a benefit arises out of or are about to encounter difficulties, honestly tell us about all bank employees. Typically, a conscientious borrower who got in trouble for good reasons, going forward. In particular, special programs to restore the solvency. In agreement with the banks to delay payments, usually for a period of up to 1.5 - 2 years. During this period you do not make payments of loan principal repayment, and pay only the interest. Another way - refinancing. In this case, the bank gives you a new loan to pay off the mortgage payments on the loan. You avoid penalties for late payment and the risk that the bank will require early repayment of a mortgage loan. ! However, keep in mind: there is a so-called capitalization of mortgage interest - they are included in the main part of a new loan, along with payments to repay a mortgage loan, and as a result of new interest you will pay with greater amounts.
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