Last week bankers have received requests from the Central Bank’s requirement to report the number of foreign currency borrowers, the volume of the mortgage portfolio and delinquency. This was told by a top Manager of one of the banks and confirmed the interlocutor in another Bank that received such a request. “The controller asked what the restructuring program we develop and that are willing to offer to borrowers”, — said one of the financiers, to communicate with the controller. At three banks, which also have foreign currency mortgages, said that similar requests from the regulator was received in mid-January.
A source close to the regulator said that the representatives of the Central Bank intend to meet with representatives of the banks, which have a lot of foreign currency mortgages, and the results of the discussions will announce their proposals for the solution of the issue of currency borrowers. “We are studying the situation with currency mortgage and plan to discuss it with market participants”, — commented the press service of the Central Bank.
Earlier, the Chairman of the Central Bank Alexey Simanovsky said that the Central Bank of Russia plans to discuss with banks the problem of repayment of foreign currency mortgages. “We will discuss the search for solutions that would lead to the best result. If you look at how banks solve problems with borrowers, they solve in different ways”, — quotes its words “Interfax”. According to Simanovsky, some opportunities for extra step borrowers exist, while the Central Bank and can not make banks any requirements. “We will search for additional solutions, including lines of how intensively used the opportunities that were identified by a government decision to allocate 4.5 billion rubles,” he said.
The government has allocated 4.5 billion rubles for the program of assistance to mortgage borrowers who find themselves in difficult financial situations. Money received in a structure that was created through the merger of the Agency for housing mortgage lending (AHML) and the RHD Foundation.
For the first time his proposals for solving the problem of foreign currency mortgages the regulator announced a year ago. In January 2015 the Central Bank recommended that banks “should consider the issue of restructuring the” foreign currency mortgages at the exchange rate at October 1, 2014 — 39,39 rubles per dollar and 49,98 rubles per Euro. The recommendation was not binding and the banks didn’t go for it.