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Date: a month ago   Category: Realty

Mortgage vacation of a high security


To use the right not to pay temporarily on a mortgage, it will be necessary to correspond to the mass of criteria. How demanded will be a new opportunity, it will be possible to understand only in several months of the Photo: depositphotos.com the State Duma adopts in the third reading the law on mortgage vacation designed to protect from loss of housing of the borrowers who appeared in a difficult life situation. However, criteria to which has to correspond potential каникуляр so many that the new law will obviously help not all. On the date of the requirement of mortgage vacation the borrower has to be in a difficult life situation. This definition is meant official registration as the unemployed, as recognition of the first or second group by the disabled person, temporary disability more than two months in a row, decrease in average monthly income more than for 30% at the amount of the payments on a mortgage making more than 50% of its average monthly income before decrease, increase in number of the persons which are in dependence with simultaneous decrease in average monthly income more than for 20%. The sum of the credit within which it is possible to demand granting mortgage vacation should not exceed a limit in 15 million rubles (further it will be established by the government taking into account regional features). The premises — a mortgage subject — have to be the only thing for full-time residence of the borrower. And conditions of the credit agreement should not have changed upon the demand of the borrower or one of sozayemshchik earlier. At the same time the borrower has the right to define start date and duration of mortgage vacation (but no more than six months), and in his credit history information on the provided vacation will not be reflected. And banks after the introduction of the law in force will be obliged to place information on the vacation rights of each Russian on the first page of any mortgage contract. To add BFM.ru to your sources of news?

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