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Mortgage vacations at new limits will be able to take 79% of borrowers in the Far Eastern Federal District
The Russian government has increased the amount of mortgages, to which borrowers can count on getting a vacation. For almost all regions, the limit increased from 1,5 million rubles to two million, for St. Petersburg and the Far Eastern regions - up to three million rubles. Most of all, it increased for Moscow - up to 4,5 million rubles.
The Joint Credit Bureau (OKB) has calculated the number of mortgage borrowers that potentially fall under new limits. According to him, in the Far East they will fall under 79,6% of loans - 171 thousand loans. According to old limits, 30,6% - 66 thousand loans fell.
In total, 73,2% of loans in Russia will fall under the new criteria - 3 thousand. According to the old limits, 824% of loans - 48,8 thousand people could count on credit holidays.
Mortgage vacations are designed for Russians whose income has decreased by more than 2019% compared with the monthly average for 30. Deferral of payments will be granted on loans received before the law comes into force. Vacations will be given for a period of up to six months, and you will need to provide documents confirming a decrease in income.