The crisis took a mortgage borrowers from the heart. Here, the threat of dismissal from work or "mild form" to reduce earnings by lowering the total number of working hours in the week, and the ability to stop the construction of the crisis. A separate theme - pressure from the banks via letters to customers urging them to pay off debts, or indirect incentives payments on the loan after persistent calls or "guarantee" a decline in the calculation of payments to the bank "in the short term." How to respond? Professional advice can help borrowers find out what to do in a given complex case. When the situation is number 1 job - wolf flees into the forest's most popular and, at the same time, one of the most painful problems of borrowers - "what to do if fired from his job?" As the online magazine about the property Metrinfo Tatiana Mikeeva, Director of the Bureau of Independent Credit Mortgage Loan (NBIK), the algorithm further actions of borrowers who have bought second homes, primary, country house or land will be the same as the relationship with the borrower's bank credit agreement regulated and do not depend on the type of housing. The first thing to do to the borrower - to the bank, either to change the payment schedule, or a deferral of payments for several months. "The bank, of course, will meet the borrower, if before he had time to make payments and did not permit delays, and develop individual payment schedule that will be comfortable," - said the expert. "In some cases, the management of the financial institution is heading and can defer payment of principal (usually for a period not exceeding six months)," - said Alexander Grebenko, CEO of "Credit and Financial Consultant." In fact, banks have already started to convert their payments to borrowers (see the article "Banks have started to help the mortgage debtor"). True, the borrower should consider the following things: most likely, after the grace period, penalties and interest will still have to pay, in any case should not be run from the security services of the bank - it will result in heavy fines and even a subpoena, if at all a hopeless situation, You can negotiate with the bank to sell the apartment and pay the amount received by the loan. Another measure that can offer the bank since January 2009. - Seek assistance from the state if the borrower meets the requirements, which will get a reprieve principal repayment for up to 12 months - like Tatiana Mikeeva (NBIK). The issue of state support for borrowers in this category is so interesting that deserves special consideration. Agency for Housing Mortgage Lending (AHML) has prepared a program to help borrowers whose creditworthiness has plummeted as a result of the financial crisis in our country. The possibility of obtaining assistance from the state for a period of 1 year is only those who meet the requirements of the Agency for Restructuring of housing mortgage loans (ARIZHK) - a special unit HMLA for just such occasions. In particular, state aid can count only those borrowers who have owned no other apartments, except the one that bought the mortgage contract. Even if they have a stake in real estate in another city, it is already causing problems. Difficulties arise with government support as well, if you applied a deposit at the bank. The logic is probably this: the category of borrowers with "pods" in the bank can hardly be referred to the poor who need state assistance. The irony is that before the crisis to issue a mortgage contract could only be people with good incomes, working mainly in the financial sectors. They are classified as "poor" can not be well, but that the financial industry employees fired more often. A certain percentage of borrowers will be able to take and state program that lets you send the maternity capital (about 300 thousand rubles) to pay off debts. "I think the law on the use of maternity capital to pay off the principal and interest payments on loans taken for construction or purchase of housing, it is very timely - says Nadezhda Gerasimova, Deputy Chairman of Russian State Duma. - The financial crisis, this measure is to support the financial position of families with children and contribute to mitigating the financial problems of banks. " It is clear that this law is not for everyone, but only for parents with babies, and not the firstborn. Act applies to loans taken for the period of December 31, 2010, these rules are distributed as the credits from her mother, her parents or her husband before the birth or adoption of a child, giving it the right to maternity capital. Situation number 2 to take credit for the new building. Construction "frozen" is a very difficult situation "freezing" in construction due to financial problems the organization during the crisis. Here, our experts will give a more cautious advice. First of all, you should see the contract signed with a company-builder, and if there is any prescribed penalties in case of delay in putting the house, you should refer to the manual, with the requirement to pay entitled to compensation. In this rare, but in these times just a wonderful event, you can even crisis-something to buy. (Although it should be noted that once the organization has no money for the completion of construction, it is likely to expect compensation too complicated.) If the contract does not spell out is to wait for better financial position. Much depends on what form the agreement concluded between the builder and real estate investors. If you are lucky, and you have on hand a contract concluded in accordance with the law "On Participation in the shared construction of apartment buildings and other real estate» № 214-FZ (as under the scheme work no more than 10-15% of construction companies) we must try to get a penalty. And begin to solve the issue with the developer to be in the pretrial order - this is the most rational way. In accordance with paragraph 2 of Art. 6 of the Law "On participation in joint construction ..." if the contractor violates the terms of transfer of share building an apartment party, he would have to pay a penalty. Penalty is prescribed by law "in one three hundredth of the Central Bank of Russia refinancing rate, effective on the date of the obligation of the contract price for each day of delay." If a participant shared construction - a citizen, provided the penalty paid by the developer to double. The situation № 3 "chain letters" or voluntary-coercive order with the worsening economic crisis in our country, the peak of which, according to analysts, it is necessary for this year and 2010, some borrowers may face a "request" from the banks 'short time' to repay the mortgage. At least partially. In this case, you must start with a careful reading of the loan agreement entered into with the bank, and to understand whether the bank to unilaterally change the terms of the contract or not. If you can, then the only way out - to refinance a bank loan, which will offer the best conditions. While refinancing will have on the new, toughening "crisis" rules. Prove whether they are better - that's the question. If the contract does not change the credit terms agreed unilaterally, then can be safely ignored is the "letter". Please note that urgent requests, and requests to remain if they are not recorded in the relevant paragraphs of the loan agreement. (See the discussion on the topic "The Bank decided to raise interest rate, the borrower's actions.") Summary of online magazine about the property Metrinfo Of course, the problems of subprime borrowers are not limited to these challenges. And in each situation, you can dig up a lot of nuances. But one thing is clear - put legs and wait for the situation will resolve itself, it is not necessary. We need to act.
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