The Ministry of Construction rewrote the conditions

The Ministry of Construction again corrected the conditions of the state program for the aid of mortgage borrowers. Citizens who took foreign currency and ruble loans received approximately equal links, all of them relate to the bets on restructured loans. A document with appropriate amendments to the government decree was published on the regulation.gov.ru portal.

According to Kommersant , the meaning of the latest adjustments is to directly limit the maximum rate that is allowed when restructuring the entire loan, 12% per annum for the entire valve for foreign exchange mortgage loans (this was not previously indicated directly).

During the restructuring of the ruble mortgage, the rate, according to the amendments, should not be higher than the one on which the loan was originally issued (previously the norm on the maximum possible 12% per annum applied to rubles).

In return for the Ruble loans restructured by the state program, the following relief was proposed: for the period when the restructuring program also admits a decrease in the monthly payment (for a period of six months to a year), according to this payment, the rate will be 5.5%. Previously, it was not denoted in any way, the newspaper notes.

In the Ministry of Construction, the origin of the rate of 5.5%explained: "This rate is 2/3 of the Central Bank refinancing rates, if it is even lower, the borrower has the obligation to pay personal income tax."

Kommersant notes that the need to adjust the program arose in connection with its unclaimed borrowers and bankers. According to the Accounts Chamber, within the framework of the state program, for which 4.5 billion rubles of state funds have been allocated and which has been operating since spring, only one mortgage loan has been restructured so far.