MOSCOW, January 29. Deputies of the state Duma Valery Rashkin and Sergei Obukhov (Communist party) asked the government and the Central Bank to require banks to restructure foreign currency mortgage loans in accordance with the dollar and the Euro on October 1, 2014. Copies of the relevant requests addressed to Prime Minister Dmitry Medvedev and the head of the Central Bank Elvira Nabiullina is available.
The first group of foreign currency mortgage borrowers had made revision of the treaties
Yesterday Medvedev said that the assistance program mortgage borrowers who find themselves in difficult financial situations, will be allocated 4.5 billion rubles In aid from the state can count the parents that have at least one minor child, and also citizens, parents of children with disabilities and combat veterans.
According to the deputies, the program only partly solve the problem of foreign currency loans, as it does not provide for the basic requirements of the borrowers of protesters – a mandatory restructuring of foreign currency housing loans on the basis of the preferential exchange rate that approximates the exchange rate at the time of conclusion of the mortgage contract. In addition, the assistance program applies to a limited circle of citizens, parliamentarians indicate.
Rashkin and Obukhov remind that the Bank of Russia in a letter dated January 23, recommended banks to consider restructuring of housing mortgage loans in foreign currency issued prior to January 1, 2015. When converting it is recommended to use the official rate of foreign currency against ruble established by the Bank of Russia as at 1 October 2014 (39,38 rubles per dollar).
In a letter Nabiullina, the Communists asked her “to send to credit institutions formal requirements, binding nature of the holding in the first quarter of 2016 restructuring to individuals mortgage housing loans in foreign currency with the condition of recalculation of the payment amount on these loans at the official exchange rate of foreign currencies against the ruble set by the Bank of Russia as of 1 October 2014, or as of the time of conclusion of the contract for this loan”.
They are asking the government to extend the program of assistance to certain categories of borrowers on the residential mortgage market and to consider options of this program the problems of foreign currency mortgage. Earlier in Moscow, “currency” borrowers held a few protests, demanding debt restructuring and assistance from the state.