Chelsea Just from the bank, they just received a letter, no one understands anything, but they told me to bring the documents, tomorrow I hand them over August 22, 2017, 11:23 Copies of insurance are still needed Olya-la-Ya Has anyone gone to VTB24 or will they? mamumlik Good afternoon! write how you go. Today they “didn’t accept” me at Piskunov... they said that only for foreign currency or those whose payment has increased... they couldn’t prove that we are suitable either: (my copy of the work is not ready yet, I’ll go to best case scenario, on Friday.. But I’m really looking forward to your comments on tomorrow’s hike. Where are you going, also to Piskunov?? Gesundheit mamumlik, and whose payment has increased? On what basis can it grow at all (except for currency)? I agree, it’s nonsense... Mommy of daughters is wondering if Sberbank doesn’t accept documents for Piskunov, then in other departments our documents will simply be thrown away... mamumlik I was surprised too...

New program to help mortgage borrowers - new conditions

Attention

Commentary by Government Order dated July 25, 2018 No. 1579-r from reserve fund The Government of the Russian Ministry of Construction allocated budgetary allocations in the amount of 2 billion rubles to contribute to the authorized capital of JSC Agency for Housing Mortgage Lending (JSC AHML) in order to implement the program. The signed resolution specifies the basic conditions for the implementation of the program.

It is envisaged that the Russian Ministry of Construction will create an interdepartmental commission that will be able to make decisions, including on increasing the amount of compensation to borrowers. The changes made to the basic conditions will allow the continuation of the program and the restructuring of at least 1.3 thousand.
mortgage housing loans(loans) for certain categories of borrowers.

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Russian Federation, or a pledge of rights of claim to such residential premises arising from a participation agreement in shared construction, meeting the requirements Federal Law“On participation in shared construction apartment buildings and other real estate and on making changes to some legislative acts Russian Federation" (hereinafter referred to as the agreement for participation in shared construction); d) the total area of ​​residential premises, including residential premises, the right of claim to which arises from an agreement for participation in shared construction, the mortgage of which is security for the fulfillment of the borrower’s obligations under the credit agreement (loan agreement), does not exceed 45 square meters. meters - for a room with 1 living room, 65 sq. meters - for a room with 2 living rooms, 85 sq.
Olya-la-Ya I just went to VTB24 to see Dzerzhinsky, they don’t know anything about this program. They didn’t have a release) So, we’re waiting for the information to be sent down to them. I asked about the assessment report, she said that it should be requested in the archive, 100 rubles/sheet. It’s easier to make a new one..
She said not to collect anything yet.. Lena-Elena Planned size monthly payment for a loan (loan) calculated on the date preceding the date of filing the application for restructuring, increased by at least 30 percent compared to the size of the planned monthly payment calculated on the date of conclusion loan agreement(loan agreement). How to understand this? 999koshka Called AHML by phone hotline: 8 800 505 11 11, to clarify who will still accept documents, they said, wait until August 22, all the information will appear on the website, and a special phone number for all consultations on this program.

961 government decree what documents to collect

• • Assistance program mortgage borrowers
  • Resolution 961-PP On the metro construction plan in the city of Moscow for 2008 - 2010
  • Resolution of November 9, 2018 no. 961
  • Russian Government
• Russian Government
  • • On further implementation of the assistance program individual categories borrowers on residential mortgage loans who find themselves in difficult financial situation
  • Document
  • A comment
  • Decree of the Government of the Russian Federation of August 11, 2018
  • Documents for resolution 961
  • AHML Mortgage Borrower Assistance Program
• AHML Mortgage Borrower Assistance Program
  • Conditions for participation in the program
  • How to get financial assistance

Assistance program for mortgage borrowers 45 sq. meters - for a room with 1 living room; 65 sq.

Info

Mortgage restructuring mechanism After the restructuring, the rate on foreign currency mortgages will be no more than 11.5%, and ruble mortgages will not be higher than the rate on the date of restructuring. The borrower can choose in what form to receive assistance from the state:

• when foreign currency mortgage convert it into rubles at a rate lower than the rate of the Bank of Russia at the time of concluding the restructuring agreement;
• one-time write-off of part of the debt.

When carrying out a restructuring, the lender does not charge any fees.

Restructuring is carried out by decision of the creditor bank. If the bank makes a positive decision, the issue of restructuring is then decided by AHML.

Important

And the documents will definitely be accepted by Sberbank, and then transferred to AHML, but which branch, where and what will be published on August 22. Chelsea Thank you August 17, 2017, 3:23 pm Quote: Lena-Elena from August 17, 2017, 2:46 pm The amount of the planned monthly loan payment calculated for the date preceding the date of filing the restructuring application has increased by at least 30 percent compared to the size of the planned monthly payment calculated on the date of conclusion of the credit agreement (loan agreement). How to understand this? This is for Foreign Currency Mortgages. In general, I am shocked that large families have been removed.

We don't fit into squares. 999koshka There is also an option that if you do not meet no more than 2 conditions, you will be considered by a special commission. (Clause 9 in the resolution) So there is a chance, we also have one condition not met.
RUSSIAN FEDERATION RESOLUTION of August 11, 2017 N 961 ON THE FURTHER IMPLEMENTATION OF THE ASSISTANCE PROGRAM FOR SPECIFIC CATEGORIES OF BORROWERS ON HOUSING MORTGAGE LOANS (LOANS) FINDING IN A DIFFICULT FINANCIAL SITUATION The Government of the Russian Federation decides : 1.
Approve the attached changes that are being made to the main conditions for the implementation of the assistance program for certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation, approved by Decree of the Government of the Russian Federation of April 20, 2015 N 373 “On the main conditions for the implementation of the assistance program for individual categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation, and an increase authorized capital Joint Stock Company "Housing Mortgage Lending Agency" (Collected Legislation of the Russian Federation, 2015, No. 17, Art.
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Central Bank Russian Federation on the date of conclusion of the restructuring agreement (for credits (loans) denominated in foreign currency); d) exemption of the borrower (joint and several debtors) from paying the penalty accrued under the terms of the credit agreement (loan agreement), with the exception of the penalty actually paid by the borrower (joint and several debtors) and (or) collected on the basis of a court decision that has entered into legal force. 11. When concluding a restructuring agreement, it is not allowed to reduce the terms of mortgage housing loans (loans) and (or) charge the creditor from the borrower (joint and several debtors) of a commission for actions related to the restructuring.

The Government of the Russian Federation decides:

1. Approve the attached changes that are being made to the main conditions for the implementation of the program of assistance to certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation, approved by Decree of the Government of the Russian Federation of April 20, 2015 No. 373 “On the main conditions for the implementation of the program assistance to certain categories of borrowers on housing mortgage loans (loans) who find themselves in a difficult financial situation, and increasing the authorized capital of the joint-stock company "Housing Mortgage Lending Agency" (Collected Legislation of the Russian Federation, 2015, No. 17, Art. 2567; No. 50, Art. 7179; 2016, no. 50, art. 7089; 2017, no. 1245).

2. To the Ministry of Construction and Housing and Communal Services of the Russian Federation:

before September 1, 2017, create an interdepartmental commission to make decisions on compensation to creditors (lenders) for mortgage housing loans (loans), mortgage agents operating in accordance with the Federal Law "On Mortgage securities", for residential mortgage loans (loans), the rights of claim for which were acquired by mortgage agents, and the joint-stock company "House Mortgage Lending Agency" for mortgage housing loans (loans), the rights of claim for which were acquired by this company, losses (parts thereof) incurred as a result of the restructuring of housing mortgage loans (loans) in accordance with the terms of the assistance program for certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation, approve the regulations on the said commission, the composition and procedure for its work;

send to the joint stock company "Housing Mortgage Lending Agency" in the prescribed manner funds in the amount of 2 billion rubles in accordance with the order of the Government of the Russian Federation dated July 25, 2017 No. 1579-r as a contribution to the authorized capital of the joint stock company "Housing Mortgage Lending Agency " for the purpose of compensation for losses (part of them) to creditors (lenders) for residential mortgage loans (loans), mortgage agents operating in accordance with the Federal Law “On Mortgage Securities”, for residential mortgage loans (loans), the rights of claim for which acquired by mortgage agents, and the joint stock company "Housing Mortgage Lending Agency" for residential mortgage loans (loans), the rights of claim for which were acquired by this company, in the event that these mortgage housing loans (loans) are restructured in accordance with the terms of the assistance program for certain categories of borrowers for residential mortgage loans (loans) that find themselves in a difficult financial situation.

3. The Federal Agency for State Property Management shall ensure, in the prescribed manner, an increase in the authorized capital of the joint-stock company "Housing Mortgage Lending Agency" by 2 billion rubles by placing additional shares and carry out actions related to the acquisition of these shares and registration of ownership of them by the Russian Federation, in accordance with the tripartite agreement between the Ministry of Construction and Housing and Communal Services of the Russian Federation, Federal agency for the management of state property and the joint-stock company "Agency for Housing Mortgage Lending".

4. To recommend to the joint stock company "Housing Mortgage Lending Agency" before increasing the authorized capital in accordance with paragraph three of paragraph 2 and paragraph 3 of this resolution to direct its own funds in the amount of no more than 500 million rubles to reimburse creditors (lenders) for residential mortgage loans ( loans), mortgage agents operating in accordance with the Federal Law "On Mortgage Securities", for residential mortgage loans (loans), the rights of claim for which were acquired by mortgage agents, losses (parts thereof) arising as a result of restructuring under the terms of the program assistance to certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation, and to allow the funds received in accordance with paragraph three of clause 2 of this resolution to be used to reimburse the costs of the joint-stock company "Housing Mortgage Lending Agency" incurred during the implementation of the assistance program certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation, in accordance with this paragraph.

5. If borrowers’ applications for restructuring of housing mortgage loans (loans) were received before the entry into force of this resolution, but were not satisfied, compensation for losses (part thereof) to creditors (lenders) for housing mortgage loans (loans), mortgage agents carrying out activities in accordance with the Federal Law "On Mortgage Securities", for residential mortgage loans (loans), the rights of claim for which were acquired by mortgage agents, and the joint-stock company "House Mortgage Lending Agency" for housing mortgage loans (loans), the rights of claim for which acquired by this company, can be carried out in the event of a repeated application by the borrower, subject to compliance with the basic conditions for the implementation of the program of assistance to certain categories of borrowers for residential mortgage loans (loans) who find themselves in a difficult financial situation, as amended by this resolution.

APPROVED
Government resolution
Russian Federation
dated August 11, 2017 No. 961

Changes,
which are included in the basic conditions for the implementation of the assistance program for certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation

The main conditions for the implementation of the assistance program for certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation are stated as follows:

"APPROVED
Government resolution
Russian Federation
dated April 20, 2015 No. 373
(as amended by the resolution
Government of the Russian Federation
dated August 11, 2017 No. 961)

Basic conditions
implementation of an assistance program for certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation

1. The main conditions for the implementation of the program of assistance to certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation (hereinafter referred to as the program) determine the conditions for the restructuring of housing mortgage loans (loans) for certain categories of borrowers who find themselves in a difficult financial situation, and also the conditions for compensation to creditors (lenders) for residential mortgage loans (loans), mortgage agents operating in accordance with the Federal Law “On Mortgage Securities”, for residential mortgage loans (loans), the rights of claim for which were acquired by mortgage agents, and joint stock to the company "Housing Mortgage Lending Agency" for residential mortgage loans (loans), the rights of claim for which were acquired by this company, losses (parts thereof) arising as a result of such restructuring (hereinafter referred to as lender, borrower, compensation, restructuring, respectively).

2. Reimbursement under the program is made one-time for residential mortgage loans (loans) restructured in accordance with this document, in the manner established by the joint-stock company "Housing Mortgage Lending Agency", published on its official website on the Internet.

3. Losses (part of them) of the creditor for each mortgage are subject to compensation. home loan(loan) restructured in accordance with this document, in the amount by which, as a result of restructuring in the cases provided for in subparagraph "c" of paragraph 10 of this document, the amount is reduced monetary obligations the borrower under the credit agreement (loan agreement), but not more than the maximum amount of compensation established by clause 6 taking into account clause 7 of this document.

4. Reimbursement under the program is carried out within Money provided for the implementation of the program.

5. Restructuring is carried out on the basis of the creditor’s decision on the application for restructuring submitted by the borrower to the creditor (hereinafter referred to as the application for restructuring).

Restructuring can be carried out by concluding an agreement between the creditor and the borrower (joint and several debtors) to change the terms of a previously concluded credit agreement (loan agreement), concluding a new credit agreement (loan agreement) for the purpose full repayment debt on a restructured mortgage loan (loan), concluding a settlement agreement (hereinafter referred to as the restructuring agreement). The terms of the restructuring agreement must comply with the requirements established by paragraph 10 of this document.

6. The maximum amount of compensation for each restructured mortgage housing loan (loan) is 30 percent of the balance of the loan (loan) calculated as of the date of conclusion of the restructuring agreement, but not more than 1,500 thousand rubles, except for the cases provided for in paragraph 7 of this document.

7. In accordance with the decision of the interdepartmental commission for making decisions on compensation to creditors (lenders) for residential mortgage loans (loans), mortgage agents operating in accordance with the Federal Law “On Mortgage Securities” for residential mortgage loans (loans), the rights of claim for which were acquired by mortgage agents, and the joint stock company "House Mortgage Lending Agency" for housing mortgage loans (loans), the rights of claim for which were acquired by this company, losses (part of them) arising as a result of the restructuring of housing mortgage loans (loans) in in accordance with the terms of the program (hereinafter referred to as the interdepartmental commission), the maximum amount of compensation for each restructured mortgage housing loan (loan) based on the corresponding application of the creditor to the interdepartmental commission can be increased, but not more than 2 times, in the manner prescribed by the regulations on the interdepartmental commission commissions.

8. Unless otherwise provided by this document, as of the date of filing the restructuring application, the following conditions must be simultaneously met:

a) the borrower (joint and several debtors) is a citizen of the Russian Federation belonging to one of the following categories:

citizens who have one or more minor children or are guardians (trustees) of one or more minor children;

citizens who are disabled or have disabled children;

citizens who are combat veterans;

citizens who are dependent on persons under the age of 24 who are students, students (cadets), graduate students, adjuncts, residents, assistant trainees, interns and full-time students;

b) change financial situation borrower (joint and several debtors) - the average monthly total income of the family of the borrower (joint and several debtors), calculated for 3 months preceding the date of filing the application for restructuring, after deducting the amount of the planned monthly payment on the loan (loan), calculated for the date preceding the date of filing the application for restructuring , does not exceed twice the amount for each family member of the borrower (joint and several debtor) living wage established in the constituent entities of the Russian Federation in whose territory the persons whose income was taken into account in the calculation live. At the same time, the average monthly total income of the family of the borrower (joint and several debtors) in billing period equal to the sum of the average monthly income of the borrower (joint and several debtors) and his family members, which for the purposes of this subclause include the spouse of the borrower (joint and several debtor) and his minor children, including those under his guardianship or trusteeship, as well as persons indicated in paragraph five of subparagraph "a" of this paragraph, and the amount of the planned monthly payment on the loan (loan), calculated on the date preceding the date of filing the application for restructuring, increased by at least 30 percent compared to the amount of the planned monthly payment, calculated on the date concluding a credit agreement (loan agreement);

c) security for the fulfillment of the borrower's obligations under a credit agreement (loan agreement) is a mortgage of a residential premises located on the territory of the Russian Federation, or a pledge of rights of claim to such residential premises arising from an agreement for participation in shared construction that meets the requirements of the Federal Law "On Participation in Shared Construction" construction of apartment buildings and other real estate objects and on amendments to certain legislative acts of the Russian Federation" (hereinafter referred to as the agreement for participation in shared construction);

d) the total area of ​​residential premises, including residential premises, the right of claim to which arises from an agreement for participation in shared construction, the mortgage of which is security for the fulfillment of the borrower’s obligations under the credit agreement (loan agreement), does not exceed 45 square meters. meters - for a room with 1 living room, 65 sq. meters - for a room with 2 living rooms, 85 sq. meters - for a room with 3 or more living rooms;

e) residential premises, including residential premises, the right of claim to which arises from an agreement for participation in shared construction, the mortgage of which is security for the fulfillment of the borrower’s obligations under the credit agreement (loan agreement), is (will be) the only housing of the mortgagor. At the same time, in the period starting from the date of entry into force of the Decree of the Government of the Russian Federation of April 20, 2015 No. 373 “On the main conditions for the implementation of the program of assistance to certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation, and an increase in the authorized of the capital of the joint-stock company "Agency for Housing Mortgage Lending" on the date the borrower submits an application for restructuring, the aggregate share of the mortgagor and his family members in the ownership of no more than 1 other residential premises is allowed in the amount of no more than 50 percent. members of the mortgagor’s family include the mortgagor’s spouse and his minor children, including those under his guardianship or trusteeship. Compliance with the specified conditions is confirmed by the borrower’s application in simple written form. The borrower’s submission of information from the Unified. state register no real estate required. Joint-Stock Company The Housing Mortgage Lending Agency checks the information provided by the borrower in accordance with this subparagraph;

f) the credit agreement (loan agreement) was concluded at least 12 months before the date the borrower submitted the application for restructuring, unless mortgage(loan) was provided for the purpose of full repayment of debt on a residential mortgage loan (loan) provided at least 12 months before the date the borrower submitted an application for restructuring.

9. In case of non-compliance with no more than two conditions provided for in paragraph 8 of this document, payment of compensation under the program is allowed in accordance with the decision of the interdepartmental commission in the manner prescribed by the regulations on the interdepartmental commission.

10. The restructuring agreement must simultaneously provide for the following conditions:

a) change in the currency of the loan (loan) from foreign currency for Russian rubles at a rate not higher than the rate of the corresponding currency established by the Central Bank of the Russian Federation as of the date of conclusion of the restructuring agreement (for credits (loans) denominated in foreign currency);

b) establishing the lending rate not higher than 11.5 percent per annum (for credits (loans) denominated in foreign currency) or not higher than the rate in force on the date of concluding the restructuring agreement (for credits (loans) denominated in Russian rubles);

c) reduction of the monetary obligations of the borrower (joint and several debtors) in the amount of not less than the maximum amount of compensation established by paragraph 6 taking into account paragraph 7 of this document, due to a one-time forgiveness of part of the credit (loan) amount and (or) changing the currency of the credit (loan) from a foreign one currencies for Russian rubles at a rate lower than the rate of the corresponding currency established by the Central Bank of the Russian Federation on the date of conclusion of the restructuring agreement (for credits (loans) denominated in foreign currency);

d) exemption of the borrower (joint and several debtors) from paying the penalty accrued under the terms of the credit agreement (loan agreement), with the exception of the penalty actually paid by the borrower (joint and several debtors) and (or) collected on the basis of a court decision that has entered into legal force.

11. When concluding a restructuring agreement, it is not allowed to reduce the terms of mortgage housing loans (loans) and (or) charge the creditor from the borrower (joint and several debtors) of a commission for actions related to the restructuring.

12. All payments under the program are carried out in Russian rubles at the rate of the corresponding currency established by the Central Bank of the Russian Federation on the date of conclusion of the restructuring agreement (for credits (loans) denominated in foreign currency).

Document overview

The main conditions for the implementation of the assistance program for certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation have been clarified. The changes will make it possible to continue the program and restructure at least 1.3 thousand loans (loans).

It is envisaged that the Russian Ministry of Construction will create an interdepartmental commission that will be able to make decisions, including on increasing the amount of compensation to borrowers.

In addition, the Ministry was instructed to allocate 2 billion rubles to the Housing Mortgage Lending Agency. for the purposes of the program.

(together with the "Rules for the provision of subsidies from federal budget for state support for technological connection of generating facilities operating on the basis of the use of renewable energy sources")

The Government of the Russian Federation decides:

1. Approve the attached Rules for the provision of subsidies from the federal budget for state support of technological connection of generating facilities operating on the basis of the use of renewable energy sources.

2. List of subsidies to legal entities, including state corporations and State company"Russian car roads", and budget investments to legal entities in accordance with Article 80 Budget Code of the Russian Federation, the contracts (agreements) for the provision of which are not subject to the provisions of Part 2 of Article 5 of the Federal Law "On the Federal Budget for 2016", approved by Order of the Government of the Russian Federation of March 28, 2016 N 530-r (Collection of Legislation of the Russian Federation, 2016, No. 2035; No. 3023, 3064; No. 3372; No. 36, Article 5413;

3. This resolution comes into force on the day of its official publication.

Chairman of the Government

Russian Federation

D.MEDVEDEV

Approved

Government resolution

Russian Federation

RULES FOR PROVIDING SUBSIDIES FROM THE FEDERAL BUDGET FOR STATE SUPPORT OF TECHNOLOGICAL CONNECTION OF GENERATING FACILITIES OPERATING BASED ON THE USE OF RENEWABLE ENERGY SOURCES

1. These Rules establish the procedure and conditions for the provision of subsidies from the federal budget in order to compensate for the cost of technological connection of generating facilities with an installed generating capacity of no more than 25 MW, recognized in accordance with the provisions of paragraph 3 of Article 33 of the Federal Law "On Electric Power Industry" as qualified generating facilities operating based on the use of renewable energy sources or peat (hereinafter referred to as the generating facility), to persons to whom the generating facilities belong by right of ownership or other legal basis (hereinafter referred to as subsidies).

2. Subsidies are provided within the limits of budgetary allocations provided for by the federal law on the federal budget for the corresponding financial year, and the limits of budgetary obligations approved and communicated in the prescribed manner to the Ministry of Energy of the Russian Federation for the purposes specified in paragraph 1 of these Rules.

3. Subsidies are provided to the persons specified in paragraph 1 of these Rules, selected on the basis of criteria approved by Decree of the Government of the Russian Federation dated October 20, 2010 N 850 “On approval of criteria for the provision of subsidies from the federal budget in order to compensate for the cost of technological connection of generating facilities with an installed generating capacity of no more than 25 MW, recognized as qualified facilities operating on the basis of the use of renewable energy sources, to persons to whom such facilities belong by right of ownership or on another legal basis" (hereinafter referred to as subsidy recipients).

4. The decision to provide a subsidy is made by a commission formed by the Ministry of Energy of the Russian Federation (hereinafter referred to as the commission).

The procedure for the formation and activities of the commission is determined by the Ministry of Energy of the Russian Federation.

5. The subsidy is provided to the recipient of the subsidy in an amount not exceeding 70 percent of the cost of the technological connection of the generating facility, but not more than 15 million rubles per generating facility (the maximum amount of the subsidy), and is calculated in accordance with paragraphs 20 - 22 of these Rules.

6. The cost of technological connection is determined on the basis of the actual costs incurred for technological connection of the generating facility in accordance with the amount of payment for technological connection established in accordance with the legislation of the Russian Federation on the electric power industry.

7. The provision of subsidies is carried out in accordance with these Rules and the agreement concluded between the Ministry of Energy of the Russian Federation and the recipient of the subsidies, which provides for:

a) goals, conditions and procedure for providing subsidies;

b) deadlines for transferring subsidies;

c) the consent of the subsidy recipient to the implementation by the Ministry of Energy of the Russian Federation and authorized state financial control bodies of inspections of the subsidy recipient’s compliance with the conditions, goals and procedures established by these Rules and the specified agreement;

d) the procedure for the Ministry of Energy of the Russian Federation and authorized state financial control bodies to verify compliance by the recipient of subsidies with the goals, conditions and procedure for providing subsidies;

e) a list of costs for compensation of which subsidies are provided;

f) a list of documents submitted by the recipient of the subsidy to the Ministry of Energy of the Russian Federation to receive the subsidy.

8. The subsidy is transferred in the prescribed manner to the current accounts of subsidy recipients opened with Russian credit institutions.

9. Information on the amount and timing of transfer of subsidies is taken into account by the Ministry of Energy of the Russian Federation when forming a forecast of cash payments from the federal budget, necessary for drawing up a cash plan for the execution of the federal budget in the prescribed manner.

10. To receive a subsidy, the recipient of the subsidy has until September 30 current year submits the following documents to the Ministry of Energy of the Russian Federation in relation to each generating facility:

a) an application for a subsidy (in any form), signed by the head (other authorized person) of the owner of the generating facility, containing information that insolvency (bankruptcy) proceedings have not been initiated against the recipient of the subsidy and there is no decision that has entered into force judicial authority on declaring him insolvent (bankrupt), information that the recipient of the subsidy is not in the process of liquidation, Bank details the recipient of the subsidy for transferring the subsidy, as well as a list of attached documents indicating the number of sheets of each document;

b) a copy of the qualification certificate confirming the recognition of the generating facility as operating on the basis of the use of renewable energy sources or peat as a qualified generating facility, issued by the market council;

c) copies of agreements on the technological connection of a generating facility to electric networks (including in terms of connecting equipment necessary to meet the power plant’s own and (or) economic needs), acts of delimitation of the balance sheet ownership of electric networks, acts of delimitation of operational responsibilities of the parties that are appendices to the agreement on the implementation of technological connection of a generating facility to electrical networks, as well as acts on the implementation of technological connection to electrical networks;

d) certified by an authorized body executive power subject of the Russian Federation in the region government regulation tariffs, a copy of the decision (extract from the decision) of such a body on establishing the amount of payment for technological connection to electric networks in relation to the corresponding generating facility;

e) copies of documents confirming the completion of work (provision of services) for the implementation of technological connection in accordance with the requirements technical specifications(contracts, acceptance certificates for work performed, services provided);

f) copies of payment documents with a note from the bank about debiting funds, confirming payment for work performed (services provided) for the implementation of technological connection in accordance with the requirements of technical specifications;

g) extract from the Unified State Register legal entities or a notarized copy of such an extract received by the recipient of the subsidy no earlier than one month before the day the Ministry of Energy of the Russian Federation received the documents specified in this paragraph;

h) a copy of a document confirming the authority of a person to carry out actions on behalf of the recipient of a subsidy without a power of attorney (a copy of the decision on the appointment or election (order of appointment) of an individual to a position, in accordance with which such individual has the right to act on behalf of the subsidy recipient without a power of attorney). If another person acts on behalf of the subsidy recipient, a power of attorney to carry out actions on behalf of the subsidy recipient, signed by the head of the subsidy recipient or a person authorized by this head, or a notarized copy of such a power of attorney, is also attached.

11. The documents specified in paragraph 10 of these Rules (hereinafter referred to as documents) are bound, numbered and signed by a person authorized to act on behalf of the subsidy recipient.

12. Responsibility for the accuracy of documents submitted to the Ministry of Energy of the Russian Federation lies with the recipient of the subsidy in accordance with the legislation of the Russian Federation.

13. The date of submission of documents is the date of their receipt by the Ministry of Energy of the Russian Federation.

15. In case of submission of an incomplete set of documents or documents containing incomplete information or improperly executed, the documents are returned to the subsidy recipient within 10 working days from the date of their receipt (indicating the reasons for the return).

16. The recipient of the subsidy has the right to re-submit documents to the Ministry of Energy of the Russian Federation, taking into account the requirements of paragraph 11 of these Rules and provided that the comments that served as the basis for their return are eliminated.

17. The decision to provide a subsidy is made by the commission if the generating facility receiving the subsidy meets the criteria for providing a subsidy.

18. The Ministry of Energy of the Russian Federation, within 10 working days from the date of signing the protocol, sends to the recipient of the subsidy a notification of the provision of a subsidy or of the refusal to provide a subsidy. Information on the decisions made by the commission within 5 working days from the date of signing the protocol is posted on the official website of the Ministry on the Internet information and telecommunications network www.minenergo.gov.ru.

19. If facts of violation of the goals, conditions and procedure for providing a subsidy are established, the funds received by the recipient of the subsidy are subject to return to the federal budget within 30 calendar days from the date of receipt of the corresponding request from the Ministry of Energy of the Russian Federation and (or) the authorized body of state financial control.

20. The amount of the subsidy provided is determined as the sum of the basic amount of the subsidy provided to the recipient of the subsidy and the amount of the remaining subsidy provided to him (if any), calculated in accordance with paragraphs 22 and 23 of these Rules.

21. The basic amount of the subsidy provided to the i-th subsidy recipient (C base) is determined by the formula:

C base = (Z i / W) x C,

i - serial number of the subsidy recipient;

Z i - costs for technological connection of the i-th generating facility to electrical networks (rubles);

Z - total costs for technological connection of generating facilities to electric networks (rubles), applications for subsidies for which are accepted for consideration and comply with the requirements of these Rules;

C is the amount of federal budget funds allocated to compensate for the cost of technological connection of generating facilities in the current year.

22. The balance of subsidies resulting from calculating the basic amount of subsidies in accordance with paragraph 21 of these Rules and the application of the conditions determining the maximum amount of the subsidy provided to the jth subsidy recipient (C ostj) if the amount of the subsidy provided to this subsidy recipient is has not reached the maximum amount of the subsidy provided specified in paragraph 5 of these Rules, is determined by the formula:

j - the serial number of the subsidy recipient whose subsidy amount has not reached the maximum subsidy amount, for which the balance of subsidies is determined as a result of calculating the basic amount of subsidies in accordance with paragraph 23 of these Rules and applying the conditions determining the maximum subsidy amount;

C basej - the basic amount of the subsidy provided to the j-th recipient of the subsidy (rubles);

k is the number of subsidy recipients whose subsidy amount has not reached the subsidy limit;

m is the serial number of the subsidy recipient whose subsidy amount has not reached the subsidy limit;

OST - the balance of subsidies resulting from the calculation of the basic amount of subsidies.

23. The balance of subsidies resulting from the application of paragraphs 21 and 22 of these Rules, as well as the conditions determining the maximum amount of the subsidy, is distributed taking into account the provisions of paragraph 22 of these Rules, except for the case when all recipients of subsidies receive a subsidy in the amount specified in paragraph 5 of these Rules size limit subsidies.

24. Control over compliance by subsidy recipients with the goals, conditions and procedure for providing subsidies is carried out by the Ministry of Energy of the Russian Federation and federal body executive power exercising control and supervision functions in the financial and budgetary sphere.

1. These Rules establish the goals, conditions and procedure for providing subsidies from the federal budget Russian organizations- exporters industrial products military purposes to reimburse part of the costs of paying interest on loans received from Russian credit organizations and from the state development corporation "VEB.RF" (hereinafter referred to as organizations, subsidies, respectively).

(as amended by Resolutions of the Government of the Russian Federation dated February 23, 2018 N 193, dated December 27, 2018 N 1697)

2. In these Rules, industrial products for military purposes are understood as products for military purposes in accordance with the legislation of the Russian Federation in the field of military-technical cooperation with foreign states, with the exception of services and results of intellectual activity, including exclusive rights on them (intellectual property), and information in the military-technical field.

3. The subsidy is provided within the limits of budgetary allocations provided for in the federal law on the federal budget for the corresponding financial year and planning period, and the limits of budgetary obligations communicated in the prescribed manner to the Ministry of Industry and Trade of the Russian Federation as the recipient of federal budget funds for the purposes specified in paragraph 1 of these Rules.

(clause 3 as amended by Decree of the Government of the Russian Federation dated February 23, 2018 N 193)

3(1). Subsidies are provided to organizations subject to the following conditions:

a) the organization directs credit resources for the production and (or) export of industrial products for military purposes;

b) timely execution by the organization of loan agreements within the terms and volumes established by the relevant loan repayment schedules;

c) as of the date no earlier than 5 calendar days before the day of submission of documents to receive a subsidy:

the organization has no outstanding obligation to pay taxes, fees, insurance premiums, penalties, fines, interest payable in accordance with the legislation of the Russian Federation on taxes and fees;

the organization has no overdue debt to return subsidies and budget investments to the federal budget, including those provided in accordance with other legal acts, and other overdue debts to the federal budget;

the organization is not in the process of reorganization, liquidation or bankruptcy;

the organization is not a foreign legal entity, as well as a Russian legal entity, in the authorized (share) capital of which there is a share of participation of foreign legal entities, the place of registration of which is a state or territory included in the list of states and territories providing preferential benefits approved by the Ministry of Finance of the Russian Federation tax regime taxation and (or) not providing for the disclosure and provision of information when conducting financial transactions(offshore zones) in relation to such legal entities, in the aggregate exceeds 50 percent;

the organization did not receive funds from the federal budget on the basis of other regulatory legal acts for the purposes specified in paragraph 1 of these Rules;

the organization has no overdue debt on monetary obligations to the Russian Federation, defined in Article 93.4 of the Budget Code of the Russian Federation.

(clause 3(1) introduced by Decree of the Government of the Russian Federation dated February 23, 2018 N 193)

4. Subsidies for loans received in the currency of the Russian Federation are provided in the amount of 70 percent of the amount of the organization’s costs for paying interest on the loan in the billing period. In this case, the amount of the subsidy cannot exceed the amount calculated based on 70 percent of the refinancing rate in force on the date of payment of interest on the loan, key rate Central Bank Russian Federation (from January 1, 2016), the basic indicator calculated in accordance with the Decree of the Government of the Russian Federation dated July 20, 2016 N 702 “On the use of basic indicators when calculating subsidy parameters interest rate at the expense of federal budget funds for loans, bond issues and (or) leasing agreements, depending on the terms of the loan, as well as determining the maximum level of the final lending rate, above which the interest rate is not subsidized" (for loans received after January 1, 2017 .).

(clause 4 as amended by Decree of the Government of the Russian Federation dated February 23, 2018 N 193)

5. Subsidies for loans received in foreign currency are provided in rubles at the rate of 70 percent of the organization’s costs for paying interest on the loan in the billing period based on the ruble exchange rate against foreign currency established by the Central Bank of the Russian Federation on the date of these costs. In this case, the amount of the subsidy provided cannot exceed the amount calculated based on the rate on a loan received in foreign currency in the amount of 8 percent per annum.

(clause 5 as amended by Decree of the Government of the Russian Federation dated February 23, 2018 N 193)

6. To receive a subsidy, an organization submits an application to the Ministry of Industry and Trade of the Russian Federation in a form approved by the Ministry, with the following documents attached:

a) certified by Russian credit institution or the state development corporation "VEB.RF" copies of the loan agreement, loan repayment schedules and payment of interest on it;

12/27/2018 N 1697)

b) statements certified by a Russian credit institution or the state development corporation "VEB.RF" loan account organizations confirming receipt of a loan, as well as documents confirming the timely payment by the organization of interest accrued by a Russian credit organization or the state development corporation "VEB.RF" for using the loan in accordance with the loan agreement;

(as amended by Decree of the Government of the Russian Federation dated December 27, 2018 N 1697)

c) calculation of the amount of the subsidy in the form in accordance with Appendices No. 1 or 2 (calculations for tranches received under the credit line are made separately, taking into account their repayments);

d) copies of contracts for the supply of military industrial products for export and corresponding customs declarations certified by the head and chief accountant (if any) of the organization. In the case of supplies for export of industrial products for military purposes under a commission agreement, the organization submits a copy of the contract with foreign person on the supply of the specified products, certified by the head and chief accountant (if any) of the commission agent organization, copies of the organization's commission agreements with the commission agent organization and the corresponding customs declarations, certified by the head and chief accountant (if any) of the organization. If a contract or agreement contains information constituting a state secret, then an extract from it containing the necessary information is submitted;

(as amended by Decree of the Government of the Russian Federation dated February 23, 2018 N 193)

e) a certificate certified by the head and chief accountant (if any) of the organization, confirming the use of loans to fulfill export contracts, indicating the volume of loans raised and the share of loan resources aimed at exporting military industrial products, containing a financial and economic justification for the need to attract loans;

(as amended by Decree of the Government of the Russian Federation dated February 23, 2018 N 193)

f) a certificate certified by the head and chief accountant (if any) of the organization, containing information about the facts of applying for subsidies in accordance with other regulatory legal acts and the results of their consideration;

(as amended by Decree of the Government of the Russian Federation dated February 23, 2018 N 193)

g) a notarized copy of the issued Federal service for military-technical cooperation, a license for the export of military products or an extract from the list of military products intended for export from the Russian Federation approved by the Federal Service for Military-Technical Cooperation;

(clause “g” as amended by Decree of the Government of the Russian Federation dated February 23, 2018 N 193)

h) description of the supplied products;

i) certificate tax authority, confirming that the organization, as of the date no earlier than 5 calendar days before the date of submission of documents, has an unfulfilled obligation to pay taxes, fees, insurance premiums, penalties, fines, interest payable in accordance with the legislation of the Russian Federation on taxes and fees, certified in the prescribed manner (if the organization fails to provide this certificate, the Ministry of Industry and Trade of the Russian Federation requests it independently);

(paragraphs “and” as amended by Decree of the Government of the Russian Federation dated February 23, 2018 N 193)

j) a certificate certified by the head and chief accountant (if any) of the organization, confirming the organization’s compliance with the requirements specified in paragraphs three to seven of subparagraph “c” of paragraph 3(1) of these Rules.

(paragraph “k” was introduced by Decree of the Government of the Russian Federation dated February 23, 2018 N 193)

7. The Ministry of Industry and Trade of the Russian Federation registers the organization’s application with the attached documents. The registration number and date of the received application with the attached documents are entered in a special journal, which must be numbered, laced and sealed with the seal of the Ministry.

In case of improper execution of the documents specified in paragraph 6 of these Rules, the Ministry of Industry and Trade of the Russian Federation within 30 days from the date of registration notifies the applicant about this, indicating the identified violations. In this case, consideration of the issue of providing a subsidy is suspended.

Consideration of the issue of providing a subsidy is resumed after the organization eliminates all identified violations. The registration number and date of receipt from the organization of documents with corrected violations are entered in the journal.

The Ministry of Industry and Trade of the Russian Federation returns documents to the applicant if the applicant fails to eliminate the identified violations within 30 calendar days from the date of notification.

(as amended by Decree of the Government of the Russian Federation dated February 23, 2018 N 193)

The provision of subsidies is carried out in the order of priority, formed on the basis of the date of receipt of documents that meet the requirements and conditions provided for in paragraphs 3(1) and 6 of these Rules.

(as amended by Decree of the Government of the Russian Federation dated February 23, 2018 N 193)

An organization in respect of which a positive decision has been made to provide a subsidy in the prescribed manner, but there is no possibility of providing it in the declared amount in the current financial year due to the lack of limits on budgetary obligations communicated in the prescribed manner to the Ministry of Industry and Trade of the Russian Federation as the recipient budget funds, submits, before March 1, an application for the provision of the unreceived amount of subsidies in the next financial year. The decision to provide a subsidy is made by the Ministry of Industry and Trade of the Russian Federation within 10 days without reconsideration organization for its compliance with the criteria established for receiving a subsidy, provided that the limits of budget obligations for the corresponding year are communicated to the Ministry of Industry and Trade of the Russian Federation as the recipient of budget funds in the prescribed manner on the date of submission of the application.

(paragraph introduced by Decree of the Government of the Russian Federation dated December 27, 2018 N 1697)

8. The decision to provide a subsidy is made by the Ministry of Industry and Trade of the Russian Federation before December 25 of the current financial year.

(as amended by Decree of the Government of the Russian Federation dated December 27, 2018 N 1697)

The amount of the subsidy is determined in accordance with the calculations of the amount of the subsidy in the form according to and.

(clause 8 as amended by Decree of the Government of the Russian Federation dated February 23, 2018 N 193)

9. An organization may be denied a subsidy in the following cases:

failure by the organization to comply with the conditions provided for in paragraph 3.1 of these Rules;

non-compliance of the documents submitted by the organization with the requirements provided for in paragraph 6 of these Rules, or non-submission (submission in full) of these documents;

presence of inaccurate information in the documents submitted by the organization.

(clause 9 as amended by Decree of the Government of the Russian Federation dated December 27, 2018 N 1697)

10 - 11. Lost power. - Decree of the Government of the Russian Federation dated February 23, 2018 N 193.

12. The transfer of the subsidy is carried out no later than the 10th working day after the Ministry of Industry and Trade of the Russian Federation makes a decision to provide a subsidy to the organization’s current account opened with an institution of the Central Bank of the Russian Federation or a credit organization.

(as amended by Decree of the Government of the Russian Federation dated February 23, 2018 N 193)

Information on the amount and timing of subsidy transfers is taken into account by the Ministry of Industry and Trade of the Russian Federation when forming a forecast of cash payments from the federal budget, which is necessary for drawing up a cash plan for the execution of the federal budget in the prescribed manner.

13. An indicator of the effectiveness of providing a subsidy is the fulfillment of obligations under a contract (commission agreement) valid in the current period for the supply of military industrial products for export or the conclusion of a new contract (commission agreement) for the supply of military products for export in the year following the year of provision subsidies.

The organization submits no later than June 1 of the year following the reporting financial year, copies of the specified export contracts (commission agreements) in order to confirm the effectiveness of the subsidy.

(clause 13 as amended by Decree of the Government of the Russian Federation dated February 23, 2018 N 193)

14. If the subsidy performance indicator provided for in paragraph 13 of these Rules is not achieved, the subsidy is subject to return to the federal budget within 10 working days from the date of receipt of the corresponding request of the Ministry of Industry and Trade of the Russian Federation, sent by registered mail with return receipt requested.

(clause 14 introduced by Decree of the Government of the Russian Federation dated February 23, 2018 N 193)

15. If, based on the results of inspections carried out by the Ministry of Industry and Trade of the Russian Federation and (or) state financial control bodies, a violation of the goals, conditions and procedure for providing a subsidy is established, the corresponding funds are subject to return to the federal budget:

a) based on the requirement of the Ministry of Industry and Trade of the Russian Federation no later than the 3rd working day from the date of receipt of the specified requirement by the organization;

b) on the basis of a submission and (or) order from state financial control bodies within the time limits established in accordance with the budgetary legislation of the Russian Federation.

(Clause 15 introduced by Decree of the Government of the Russian Federation dated February 23, 2018 N 193)

16. The Ministry of Industry and Trade of the Russian Federation publishes on its official website on the Internet information and telecommunications network information about the beginning of accepting applications from organizations for subsidies, as well as information about the termination of acceptance and consideration of applications from organizations for subsidies in the absence of unused budget limits obligations communicated in the prescribed manner to the Ministry of Industry and Trade of the Russian Federation as the recipient of federal budget funds for the purposes specified in paragraph 1 of these Rules.

(Clause 16 introduced by Decree of the Government of the Russian Federation dated February 23, 2018 N 193)

17. Ministry of Industry and Trade of the Russian Federation and authorized bodies State financial control is obliged to check whether organizations comply with the goals, conditions and procedure for providing subsidies.

GOVERNMENT OF THE RUSSIAN FEDERATION

RESOLUTION

ABOUT FURTHER IMPLEMENTATION

IN A DIFFICULT FINANCIAL SITUATION

The Government of the Russian Federation decides:

1. Approve the attached changes that are being made to the main conditions for the implementation of the program of assistance to certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation, approved by Decree of the Government of the Russian Federation of April 20, 2015 N 373 “On the main conditions for the implementation of the program assistance to certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation, and increasing the authorized capital of the joint-stock company "Housing Mortgage Lending Agency" (Collected Legislation of the Russian Federation, 2015, N 17, Art. 2567; N 50, Art. 7179; 2016, No. 50, Art. 7089; 2017, No. 1245).

2. To the Ministry of Construction and Housing and Communal Services of the Russian Federation:

before September 1, 2017, create an interdepartmental commission to make decisions on compensation to creditors (lenders) for residential mortgage loans (loans), mortgage agents operating in accordance with the Federal Law "On Mortgage Securities" for residential mortgage loans (loans) , the rights of claim for which were acquired by mortgage agents, and the joint stock company "House Mortgage Lending Agency" for housing mortgage loans (loans), the rights of claim for which were acquired by this company, losses (part of them) arising as a result of the restructuring of housing mortgage loans (loans) in accordance with the terms of the assistance program for certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation, approve the regulations on the said commission, the composition and procedure for its work;

send to the joint stock company "Housing Mortgage Lending Agency" in the prescribed manner funds in the amount of 2 billion rubles in accordance with the order of the Government of the Russian Federation dated July 25, 2017 N 1579-r as a contribution to the authorized capital of the joint stock company "Housing Mortgage Lending Agency" " for the purpose of compensation for losses (part of them) to creditors (lenders) for residential mortgage loans (loans), mortgage agents operating in accordance with the Federal Law “On Mortgage Securities”, for residential mortgage loans (loans), the rights of claim for which acquired by mortgage agents, and the joint stock company "Housing Mortgage Lending Agency" for residential mortgage loans (loans), the rights of claim for which were acquired by this company, in the event that these mortgage housing loans (loans) are restructured in accordance with the terms of the assistance program for certain categories of borrowers for residential mortgage loans (loans) that find themselves in a difficult financial situation.

3. The Federal Agency for State Property Management shall ensure, in the prescribed manner, an increase in the authorized capital of the joint-stock company "Housing Mortgage Lending Agency" by 2 billion rubles by placing additional shares and carry out actions related to the acquisition of these shares and registration of ownership of them by the Russian Federation, in accordance with a tripartite agreement between the Ministry of Construction and Housing and Communal Services of the Russian Federation, the Federal Agency for State Property Management and the joint-stock company "Housing Mortgage Lending Agency".

4. To recommend to the joint stock company "Housing Mortgage Lending Agency" before increasing the authorized capital in accordance with paragraph three of paragraph 2 and paragraph 3 of this resolution to direct its own funds in the amount of no more than 500 million rubles to reimburse creditors (lenders) for residential mortgage loans ( loans), mortgage agents operating in accordance with the Federal Law "On Mortgage Securities", for residential mortgage loans (loans), the rights of claim for which were acquired by mortgage agents, losses (parts thereof) arising as a result of restructuring under the terms of the program assistance to certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation, and to allow the funds received in accordance with paragraph three of clause 2 of this resolution to be used to reimburse the costs of the joint-stock company "Housing Mortgage Lending Agency" incurred during the implementation of the assistance program certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation, in accordance with this paragraph.

5. If borrowers’ applications for restructuring of housing mortgage loans (loans) were received before the entry into force of this resolution, but were not satisfied, compensation for losses (part thereof) to creditors (lenders) for housing mortgage loans (loans), mortgage agents carrying out activities in accordance with the Federal Law "On Mortgage Securities", for residential mortgage loans (loans), the rights of claim for which were acquired by mortgage agents, and the joint-stock company "House Mortgage Lending Agency" for housing mortgage loans (loans), the rights of claim for which acquired by this company, can be carried out in the event of a repeated application by the borrower, subject to compliance with the basic conditions for the implementation of the program of assistance to certain categories of borrowers for residential mortgage loans (loans) who find themselves in a difficult financial situation, as amended by this resolution.

Chairman of the Government

Russian Federation

D.MEDVEDEV

Approved

Government resolution

Russian Federation

CHANGES,

WHICH ARE INTRODUCED TO THE BASIC CONDITIONS OF IMPLEMENTATION

FOR HOUSING MORTGAGE LOANS (LOANS) PROVIDED

IN A DIFFICULT FINANCIAL SITUATION

The main conditions for the implementation of the assistance program for certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation are stated as follows:

"Approved

Government resolution

Russian Federation

(as amended by the resolution

Government of the Russian Federation

BASIC TERMS

FOR HOUSING MORTGAGE LOANS (LOANS) PROVIDED

IN A DIFFICULT FINANCIAL SITUATION

1. The main conditions for the implementation of the program of assistance to certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation (hereinafter referred to as the program) determine the conditions for the restructuring of housing mortgage loans (loans) for certain categories of borrowers who find themselves in a difficult financial situation, and also the conditions for compensation to creditors (lenders) for residential mortgage loans (loans), mortgage agents operating in accordance with the Federal Law “On Mortgage Securities”, for residential mortgage loans (loans), the rights of claim for which were acquired by mortgage agents, and joint stock to the company "Housing Mortgage Lending Agency" for residential mortgage loans (loans), the rights of claim for which were acquired by this company, losses (parts thereof) arising as a result of such restructuring (hereinafter referred to as lender, borrower, compensation, restructuring, respectively).

2. Reimbursement under the program is made one-time for residential mortgage loans (loans) restructured in accordance with this document, in the manner established by the joint-stock company "Housing Mortgage Lending Agency", published on its official website on the Internet.

3. Losses (part thereof) of the creditor for each mortgage housing loan (loan) restructured in accordance with this document are subject to compensation in the amount by which, as a result of restructuring in the cases provided for in subparagraph "c" of paragraph 10 of this document, the amount of monetary obligations of the borrower under the credit agreement (loan agreement), but not more than the maximum amount of compensation established by clause 6 taking into account clause 7 of this document.

4. Reimbursement under the program is carried out within the limits of funds provided for the implementation of the program.

5. Restructuring is carried out on the basis of the creditor’s decision on the application for restructuring submitted by the borrower to the creditor (hereinafter referred to as the application for restructuring).

Restructuring can be carried out by concluding an agreement between the creditor and the borrower (joint and several debtors) to change the terms of a previously concluded credit agreement (loan agreement), concluding a new credit agreement (loan agreement) for the purpose of full repayment of debt on a restructured mortgage loan (loan), concluding a settlement agreement (hereinafter referred to as the restructuring agreement). The terms of the restructuring agreement must comply with the requirements established by paragraph 10 of this document.

6. The maximum amount of compensation for each restructured mortgage housing loan (loan) is 30 percent of the balance of the loan (loan) calculated as of the date of conclusion of the restructuring agreement, but not more than 1,500 thousand rubles, except for the cases provided for in paragraph 7 of this document.

7. In accordance with the decision of the interdepartmental commission for making decisions on compensation to creditors (lenders) for residential mortgage loans (loans), mortgage agents operating in accordance with the Federal Law “On Mortgage Securities” for residential mortgage loans (loans), the rights of claim for which were acquired by mortgage agents, and the joint stock company "House Mortgage Lending Agency" for housing mortgage loans (loans), the rights of claim for which were acquired by this company, losses (part of them) arising as a result of the restructuring of housing mortgage loans (loans) in in accordance with the terms of the program (hereinafter referred to as the interdepartmental commission), the maximum amount of compensation for each restructured mortgage housing loan (loan) based on the corresponding application of the creditor to the interdepartmental commission can be increased, but not more than 2 times, in the manner prescribed by the regulations on the interdepartmental commission commissions.

8. Unless otherwise provided by this document, as of the date of filing the restructuring application, the following conditions must be simultaneously met:

a) the borrower (joint and several debtors) is a citizen of the Russian Federation belonging to one of the following categories:

citizens who have one or more minor children or are guardians (trustees) of one or more minor children;

citizens who are disabled or have disabled children;

citizens who are combat veterans;

b) change in the financial situation of the borrower (joint and several debtors) - the average monthly total income of the family of the borrower (joint and several debtors), calculated for 3 months preceding the date of filing the application for restructuring, after deducting the amount of the planned monthly payment on the loan (loan), calculated for the date preceding date of filing the application for restructuring, does not exceed for each family member of the borrower (joint and several debtor) twice the minimum subsistence level established in the constituent entities of the Russian Federation in whose territory the persons whose income was taken into account in the calculation live. In this case, the average monthly total income of the family of the borrower (joint and several debtors) in the calculation period is equal to the sum of the average monthly income of the borrower (joint and several debtors) and members of his family, which for the purposes of this subclause includes the spouse of the borrower (joint and several debtor) and his minor children, in including those under his guardianship or trusteeship, as well as persons specified in paragraph five of subparagraph "a" of this paragraph, and the amount of the planned monthly payment on the loan (loan), calculated as of the date preceding the date of filing the application for restructuring, has increased by no less than by 30 percent compared to the amount of the planned monthly payment calculated on the date of conclusion of the credit agreement (loan agreement);

c) security for the fulfillment of the borrower's obligations under a credit agreement (loan agreement) is a mortgage of a residential premises located on the territory of the Russian Federation, or a pledge of rights of claim to such residential premises arising from an agreement for participation in shared construction that meets the requirements of the Federal Law "On Participation in Shared Construction" construction of apartment buildings and other real estate objects and on amendments to certain legislative acts of the Russian Federation" (hereinafter referred to as the agreement for participation in shared construction);

d) the total area of ​​residential premises, including residential premises, the right of claim to which arises from an agreement for participation in shared construction, the mortgage of which is security for the fulfillment of the borrower’s obligations under the credit agreement (loan agreement), does not exceed 45 square meters. meters - for a room with 1 living room, 65 sq. meters - for a room with 2 living rooms, 85 sq. meters - for a room with 3 or more living rooms;

e) residential premises, including residential premises, the right of claim to which arises from an agreement for participation in shared construction, the mortgage of which is security for the fulfillment of the borrower’s obligations under the credit agreement (loan agreement), is (will be) the only housing of the mortgagor. At the same time, in the period starting from the date of entry into force of the Decree of the Government of the Russian Federation of April 20, 2015 N 373 “On the main conditions for the implementation of the program of assistance to certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation, and an increase in the authorized of the capital of the joint-stock company "Agency for Housing Mortgage Lending" on the date the borrower submits an application for restructuring, the aggregate share of the mortgagor and his family members in the ownership of no more than 1 other residential premises is allowed in the amount of no more than 50 percent. members of the mortgagor's family include the mortgagor's spouse and his minor children, including those under his guardianship or trusteeship. Compliance with these conditions is confirmed by a simple written application from the borrower. The borrower is not required to submit information from the Unified State Register of Real Estate. mortgage housing lending" checks the information provided by the borrower in accordance with this subparagraph;

f) the credit agreement (loan agreement) was concluded at least 12 months before the date the borrower submits an application for restructuring, except for cases where the mortgage loan (loan) was provided for the purpose of full repayment of debt on a housing mortgage loan (loan) provided at least than 12 months before the date the borrower submits the restructuring application.

9. In case of non-compliance with no more than two conditions provided for in paragraph 8 of this document, payment of compensation under the program is allowed in accordance with the decision of the interdepartmental commission in the manner prescribed by the regulations on the interdepartmental commission.

10. The restructuring agreement must simultaneously provide for the following conditions:

a) changing the currency of the credit (loan) from foreign currency to Russian rubles at a rate not higher than the rate of the corresponding currency established by the Central Bank of the Russian Federation as of the date of conclusion of the restructuring agreement (for credits (loans) denominated in foreign currency);

b) setting the lending rate not higher than 11.5 percent per annum (for credits (loans) denominated in foreign currency) or not higher than the rate in effect on the date of concluding the restructuring agreement (for credits (loans) denominated in Russian rubles);

c) reduction of the monetary obligations of the borrower (joint and several debtors) in the amount of not less than the maximum amount of compensation established by paragraph 6 taking into account paragraph 7 of this document, due to a one-time forgiveness of part of the credit (loan) amount and (or) changing the currency of the credit (loan) from a foreign one currencies for Russian rubles at a rate lower than the rate of the corresponding currency established by the Central Bank of the Russian Federation on the date of conclusion of the restructuring agreement (for credits (loans) denominated in foreign currency);

d) exemption of the borrower (joint and several debtors) from paying the penalty accrued under the terms of the credit agreement (loan agreement), with the exception of the penalty actually paid by the borrower (joint and several debtors) and (or) collected on the basis of a court decision that has entered into legal force.

11. When concluding a restructuring agreement, it is not allowed to reduce the terms of mortgage housing loans (loans) and (or) charge the creditor from the borrower (joint and several debtors) of a commission for actions related to the restructuring.

12. All payments under the program are carried out in Russian rubles at the rate of the corresponding currency established by the Central Bank of the Russian Federation on the date of conclusion of the restructuring agreement (for credits (loans) denominated in foreign currency).