Russians have the right to ease their credit load through debt restructuring and extension. He talked about this and other methods in an interview with him. “Lentoy.ru” Candidate of Economic Sciences, Financial Analyst Mikhail Belyaev.
The economist reminded that the law allows you to take a credit vacation. Belyaev noted that the maximum delay period is six months, the prerequisite for this is a decrease in the income of the debtor by more than 30%.
The borrower also has the right to restructure the loan under difficult conditions. To do this, he will also need to prove to the bank that his income has decreased by more than a third.
“The loan amount and the interest amount on the new restructured debt should not exceed the total amount of the original agreement terms,” the expert warned.
Also, while the bank or the debtor itself can file for bankruptcy, the debtor must not have sold real estate or other large objects in the past three years. The economist explained that in this case the debtor’s property was compiled by the bankruptcy table, which came from the auction, and then partially went to the payment of the outstanding loan. The financier stated that if the loan is greater than the bankruptcy, the balance will be written off, and then the borrower will be completely relieved of his loan obligations.
At the same time, the expert noted that a person will not be deprived of his only residence, if not a mortgage, as well as a car and equipment necessary to earn money.
In the State Duma of the Russians persistently It’s about making new loans and accumulating debt.
Previously in the State Duma suggested Prohibition of granting loans to foreign agents.