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Sberbank clarified the provision on credit holidays

Sberbank clarified the provision on credit holidays
Photo: pixabay.com
Sberbank explained the conditions for granting credit vacations. According to federal law No. 106, citizens can count on them, whose income has decreased by more than 30% compared with the average monthly income for 2019.

According to the press service of the bank, the loan itself must be received by April 3, 2020. Moreover, its maximum amount should not exceed 1,5 million rubles for a mortgage, 600 thousand rubles for car loans, 300 thousand rubles for mortgage loans for entrepreneurs, 250 thousand rubles for consumer loans for citizens and 100 thousand rubles for credit cards for individuals.

If the borrower fails to document the financial difficulties in due time, the terms of the loan obligation will be returned to their previous conditions. This can lead to debt formation, penalty charges and credit history deterioration.

Currently, according to experts, only every tenth application for a loan vacation is documented. Earlier on the introduction of credit holidays for citizens who find themselves in a difficult financial situation due to the coronavirus and the fall of the ruble, Russian President Vladimir Putin said.
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