The government has proposed to improve the conditions that help mortgage borrowers


The maximum amount of compensation payable by the Agency for housing mortgage lending (AHML) at the expense of the Federal budget for the restructured mortgage loans are proposed to increase from 600 thousand rubles to 1.5 million rubles, However, will affect a change only in Moscow and the Moscow region and St. Petersburg and the Leningrad region, follows from the draft decree of the government of the Russian Federation, posted on the online publishing portal of projects of normative acts.

The maximum amount of compensation in other regions, in the case of adoption of amendments to the program of government support of mortgage borrowers, found themselves in a difficult financial situation will remain the same (600 thousand rubles). Apparently, the government believe that housing in the province is cheaper than in the capitals, and therefore the average size of a mortgage loan is lower.

However, the number of cases of payment of compensation the maximum size will grow, thanks to the amendments, and the province. Under the current rules the maximum amount of compensation for each restructured mortgage loan may not be more than 10% of the outstanding principal balance, as the government prepared the document provides for raising the limit to 25%.

The draft resolution also clarifies the modalities for the accounting of the creditor average monthly income of the borrower or the joint and several debtors, as borrowers enter a duty in a special statement to confirm the fact that bought a mortgage apartment is the only shelter.

“The responsibility for the accuracy of the creditor information rests with the borrower”, — the document says. However, the specific sanctions in this case are not called.

In accordance with the adopted in the spring of 2015 the state program of mortgage relief to borrowers who find themselves in a difficult financial situation, the aid can count on the citizens of Russia, with at least one minor child and persons raising children with disabilities, and persons with disabilities and combat veterans. In this case the purchased mortgage housing should be neither too large nor too expensive, and average family income of the borrower in terms of per person should not exceed twice the minimum subsistence level, acting in the territory of region of residence.

Earlier it was reported that state assistance under the existing programs can count about 22.5 thousand people.

The total amount of funds allocated in the Federal budget for compensation to food is defined in 4.5 billion rubles.