On July 31, 2019, the Federal Law on
mortgage holidays, adopted by parliament in April, will come into force. The law will apply to any
mortgage loans both in rubles and in foreign currency.
Suspension of fulfillment of obligations under the loan or reduction in the amount of periodic payments.
Mortgage holidays of up to six months are provided at the request of a borrower who finds himself in a difficult life situation. Such situations include: loss of a breadwinner, loss of a job, temporary disability for two months, recognition as a disabled person of group I or II, decrease in the family income of the spouses by more than 30 percent.
loan. The loan repayment period is automatically extended for the duration of the
mortgage holidays. A break in payments will not be considered late, but the total amount of interest will increase. The interests of banks are secured by a pledge of real estate, a down payment and the ability not to create additional reserves.
According to the law on
mortgage loan under
mortgage agreement with the bank should not exceed 15 million rubles. The terms of the loan agreement should not previously have been changed at the request of the borrower. Information about payments missed during the
mortgage holidays will not be reflected in the borrower's credit history.
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