Mortgage borrowers can avoid paying the debt and shift it to the bank if the forced sale of the mortgaged flat does not fully cover the debt. This was stated during the 21st All-Russian conference “Mortgage lending in Russia” by the chairman of the Committee on the financial market of the State Duma, deputy Anatoly Aksakov. Her words delivery RIA News.
“We are now preparing an initiative that a person will not have to do. They sold it cheaper, that is, it fell on the shoulders of a credit institution, and a person (debt – ed.) will be erased, ”said Aksakov.
According to him, the corresponding initiative will be submitted to the State Duma in the near future.
Aksakov pointed out that earlier at the event, Alexander Danilov, director of the Central Bank’s banking regulation and analytical department, gave an example when “the house is sold much cheaper and a person remains in debt to the bank.” “
On the sidelines of the forum, Aksakov explained to reporters that often “houses sold if not paid for by the borrower” come out much cheaper, and that “one person also becomes a debtor to the bank after the sale.” Housing.” For this reason, it is suggested that the resulting difference should be “burdened on the shoulders of the banks”.
“They have to fix this problem themselves and a person’s debt is wiped out. The house was confiscated, sold, sold cheaper than the loan given, respectively, this is the bank’s problem,” he said.
As RIA Novosti previously reported, the number of loans received for the purchase of real estate, in which Russians were delayed by more than 90 days in January of this year, rose to the highest level since May 2021, with 30.4 thousand loans.