Vacation credit: if they save the debtor?

The current crisis is much like all the past. Inflation, unemployment, wage arrears - all this is already familiar to us in 1992 and 1998 years. But this time, to make things worse crisis and added another credit loop, which managed to throw himself on the neck of many short-sighted of our fellow citizens. However, paying tribute to the current rulers, we must recognize that they, unlike the previous rulers, in fact, trying to make the crisis has hit people in the least painful. To this end, they introduce into our practice various measures that they believe will help the citizens mired in debt to endure to the end of the crisis. One of these innovations were the so-called vacation credit. What is it - to understand reports online magazine about the property Metrinfo. Vacation credit - this is a postponement, provided the debtor for payment. Their purpose is as gracefully express themselves experts, "avoiding default" - to put it simply, to payment obligations not finally slammed the man. "If the mortgage borrower (or consumer credit) has lost his job, then his own savings will be enough, typically, only 1-2 months of their own accommodation: payment power, utility costs, etc. - says Artis Veyps, Director of" Fund credits ". - At the same time the borrower receives his difficulties as temporary and has no desire to terminate the loan agreement. And he appeals to the lender to grant vacation credit. " Postponement is different What exactly will be installment - with that being said, "possible options". "There are two types full or partial - says Marina Galaktionov, director of partnership development company" LOAN MAX. " - Total delay - this is when you do not pay anything: neither the principal nor the interest thereon. It provides the neediest taxpayers who are having difficulty with work or health deteriorated. In this case up to this point the client should have proved themselves to be honest and disciplined payer with no arrears. " Gross delay - an ideal option for the borrower, but it is extremely disadvantageous to banks (let's not forget that they have issued a credit money also does not fall from the skies: the banks have taken them to borrow from someone else - for example, private investors on deposits). So far more likely that the bank will offer partial postponement of the debtor - in her pay still necessary, but less than usual. For example, paid only the interest. Or recalculated payment schedule: each payment is less, but their total time - more. Another way to ease the debt burden - to change the loan currency. Interest rates on loans in dollars have traditionally been lower than on the ruble, - says Vadim Martynenko, director of the secondary market and the mortgage corporation "Reskor." - At a time when the dollar declined, borrowers took out loans just happily in American money. But today, the foreign exchange market blew other winds, and many debtors are pleased to count their loans - albeit under a slightly larger percentage, but in the home and prospective Russian rubles. " In general, the question of what exactly will be deferred, the parties decide to negotiate. Who will provide respite? I'd like to think of others is good - but not always. The author would be happy to write that banks, having taken a fatherly eye of their debtors, thinking: who among them all the more wretched sire and who would provide assistance, to reduce payments? The reality, alas, is different: the first on the subject (though not pronouncing the words themselves "vacation credit"), said Prime Minister Vladimir Putin. In early December, during the traditional "straight line" with the citizens he spoke of the need to provide support to borrowers who were unable to pay their mortgages. After such a delicate hint of how they will help their own debtors, there is talk already and the banks themselves. In particular, this manager said, Sberbank, German Gref: "It is assumed that the bank will give the restructuring of mortgage loans up to one year guaranteed by AHML" - he said. Why think about the problem of power - the obvious situation is so complicated, additional stimuli (and to those, no doubt, include messages that people left without jobs, have become more and evicted from apartments) completely useless. But if you think about it, for the benefit of vacation credit, and banks: better late to get money than to go to the head-on collision with the debtor. Because the option of eviction and sale of an apartment with bad trades (the bank) so that this case is, first, long, and second, yet the fact that the apartment will sell for the desired amount: the price a market decline Nominally, the issue of vacation credit is solved by the bank itself. "It must be emphasized that the decision to hire someone and what to give, is still accepted by the credit committee of the bank" - said Marina Galaktionov ("LOAN MAX"). No way to argue with this thesis, I want to remind you that the government has leverage over thousands stroptivtsev: the ability to deliver or not to provide life-saving loan to visit firefighters who went out and brought in two counts violation of a decree in 1937 and will close the office "to elimination ". Where is this delay come from? Now the practical question for the debtor - what to do to these same vacation credit to get? Since this topic is new for our country, nor in which laws it is not spelled out, and there is no single universally accepted set of documents that the debtor must be collected. "The first step - is to notify the creditor bank of a problem, - marks Veyps Artis (the" Fund Credit "). - It is necessary, first of all, call the bank and talk about their situation, and only after these negotiations, it becomes clear what documents are needed. There is no standard. " Now the practical question for the debtor - what to do to these same vacation credit to get? Since this topic is new for our country, nor in which laws it is not spelled out, and there is no single universally accepted set of documents that the debtor must be collected. "The first step - is to notify the creditor bank of a problem, - marks Veyps Artis (the" Fund Credit "). - It is necessary, first of all, call the bank and talk about their situation, and only after these negotiations, it becomes clear what documents are needed. There is no standard. " "The loan agreements written, that the borrower must notify the bank about its financial position - adds Marina Galaktionov (" LOAN MAX "). - Therefore, if the start of the delay, they should be motivated. " In any case, there will be a useful employment history with a record of dismissal - and it is desirable that the wording was serious, and not "at will". In view of some features of the Labor Code of the businesses more profitable, so that employees were leaving with this motivation - not to pay them a solid severance pay. But if the average person often anyway (money for final payment in the company still does not), then for the mortgage borrower's fundamentally important that he's not gone, but he was fired. The borrower will still pay for the Sun Credit holidays - this is definitely the event for the benefit of the borrower, but not what "charity" from the bank here can not speak: his creditors will receive. "This is just business, nothing personal. No matter how modified payment, up to a possible full stop them at any time - in any case all will pay the borrower - categorical Veyps Artis (the "Fund Credit"). - Another question: in what way? Even if the schedule of payments will be adjusted so that, following today's relief and then have to pay more for many people it would be good. Much better than today to fix damages to suffer monetary and moral upheaval from the sale of mortgaged apartment. " There is another aspect of the problem: knowing the good of our fellow citizens, there is no doubt that some of them try to use the campaign for which a fraud. This, our experts do not recommend strongly. "Speculators now have learned to identify - says Marina Galaktionov (" LOAN MAX "). - If you find that were falsified any facts or documents, the bank has the right to demand early repayment of the loan in full. " "Those who have any such ideas, we must remember that moving from an apartment can be embodied in a very short time - agrees Artis Veyps. - The borrower is responsible for many things, including for the authenticity of the bank information. " Experts optimistic we interviewed experts are optimistic. "We should not forget that mortgage borrowers - is, for the most part, middle managers and senior managers, professionals, who even in times of crisis will be needed - says Olga Guseva, head of marketing of the Group companies' Domostroitel." - They may have somewhat reduced their salary expectations as well as costs, but for how long they remain without any means unlikely to face. " "The situation when work disappears, does not happen - agrees Veyps Artis (the" Fund Credit "). - Life does not end the crisis, and the holidays - this is a good way for responsible borrowers. " Summary To summarize the campaign, which began more plainly does not, of course, is ridiculous. Unlikely to succeed and make some serious forecasts - for example, how many borrowers seek loan vacation, what percentage actually receive? But some things can be seen today. For example, already announced that the vacation credit granted for a period of 12 months. Though not very clear what would happen if the term will be called, but the human problem is not solved. The new postponement? Or have apartments for sale auction? The answers are likely to give time