MOSCOW, February 15. The number of borrowers on foreign currency mortgage housing loans during 2015 decreased by 22% and by February of 2016 is 25 thousand people. This is stated in the message of the CBR.
The Bank of Russia provides data to 18 credit institutions, which account for about 90% of the portfolio of lending in foreign currency.
“Debts on foreign currency mortgage loans decreased for the year by 25.9% to $1.8 billion on January 1, 2016. The number of newly granted foreign currency loans in 2015, compared with 2014 fell eight times (from 750 to 91 credits), and their volume – to four-fold (of $192.5 $51.7 million) “, – stated in the message controller.
Debt on foreign currency mortgages
Sands: a ready solution to the problem of the exchange of food don’t have
At the beginning of 2016 there are about 3.5 million existing mortgage loans, of which only 0.5% (17,5 thousand loans) denominated in foreign currency, reported earlier in the day, the Agency for housing mortgage lending (AHML).
Total debt by currency mortgage loans is 126.2 billion rubles, or about 3 percent of the total mortgage market in the country (3.7 trillion rubles).
With the real problems faced by around 2 thousand people who have mortgage in foreign currency, the press service AHML.
Earlier, the head of the Bank of Russia Elvira Nabiullina said that banks should identify measures to support the currency, the food individually.
The main program must earn the support of people in difficult life conditions, which is administered by the government
the Governor of the Bank of Russia
The renegotiation of lending
On 28 January it became known that the first group of foreign currency mortgage borrowers had the opportunity to restructure loans at the rate of exchange different from the market.
Head ARB: the state and banks are not required to meet borrowers currency
This was reported by the absolute-Bank, which offered its borrowers new options for restructuring mortgages at the exchange rate below 80 rubles per dollar.
In turn, the President of the Association of Russian banks (ARB) Garegin Tosunyan said that the aid should be given, but only for disadvantaged borrowers. “Who is not, a second home, to leave people on the street, they need to be defended. But you should protect not by shifting the blame on others, and through bilateral negotiations or by state support program,” said Tosunyan.
The statement of the President of the Russian Federation
Last autumn, Russian President Vladimir Putin said that borrowers who have taken out mortgages in the currency, took the risk, but people need help.
Exactly, what people need to help. This applies to housing only. You have to look carefully and to avoid some wild cases
Putin recalled that “the government has repeatedly appealed to the citizens not to take foreign currency mortgage loans”, because those who receive wages in rubles, less risks when making ruble loans, “because from these exchange rate fluctuations no one is safe”.
Shuvalov: need to get used to the fact that in Russia it is necessary to take credits in roubles and not in the currency