The sharp depreciation of the ruble had a negative financial impact on foreign currency borrowers. Some of them even face bankruptcy. You can read about what bankruptcy threatens with a mortgage and what will happen to a mortgage apartment in the article at the link.
In 2015, the Government of the Russian Federation adopted a support program mortgage borrowers who found themselves in a difficult life situation. This program assistance to mortgage holders ceased to exist ahead of schedule in March 2017 due to the expenditure of allocated funds.
In August 2017, the Government of the Russian Federation, headed by Medvedev D.A. allocated an additional 2 billion rubles to assist mortgage borrowers. However, the conditions of the program have changed significantly, and by 2018 the money allocated to help mortgage borrowers ran out again.
In order to further support mortgage lenders, the Government of the Russian Federation decided to provide additional funding for this program and, in accordance with Government Decree No. 1175 of 03.10.2018 " "On the further implementation of the assistance program for certain categories of borrowers on mortgage loans (loans) who find themselves in a difficult financial situation", an additional amount of 731 million rubles was allocated.
For reference. The regulatory document regulating the procedure for providing assistance is Decree of the Government of the Russian Federation of April 20, 2015 N 373 (with amendments and additions in force in 2019) "On the main conditions for the implementation of the assistance program for certain categories of borrowers on mortgage loans (loans) who find themselves in a difficult financial situation, and an increase authorized capital JSC "Agency for Housing Mortgage Lending".
Now let's take a closer look at the new conditions for obtaining support for borrowers with a mortgage loan.
The DOM.RF Joint-Stock Company (previously called the Agency for Housing Mortgage Lending) deals with issues of providing assistance in case of difficulties in paying off mortgage loans.
Assistance is provided in the form of loan restructuring. At the same time, restructuring can be carried out both by concluding an agreement by the creditor and the borrower (solid and several debtors) on changing the terms of the previously concluded loan agreement(loan agreement), and by concluding a new loan agreement (loan agreement) for the purpose of full repayment of debt on a restructured mortgage home loan. To conclude a debt restructuring, the borrower must submit an application to a credit institution.
The maximum amount of reimbursement for a loan is 30% of the balance of the loan (loan) amount calculated as of the date of conclusion of the restructuring agreement, but not more than 1.5 million rubles.
At the same time, the interdepartmental commission for making decisions on compensation to creditors (lenders) on mortgage housing loans (loans), mortgage agents operating in accordance with the Federal Law "On Mortgage securities", on mortgage housing credits (loans), the rights of claim under which are acquired by mortgage agents, and to the joint-stock company "DOM.RF" on mortgage housing credits (loans), the rights of claim on which are acquired by this company, losses (a part thereof) incurred in as a result of the restructuring of mortgage housing loans (loans) 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 credit (loan) on the basis of the relevant application of the lender to the interdepartmental commission may be increased, but not more than 2 times, in the manner prescribed by the regulation on the interdepartmental commission.
Decree of the Government of the Russian Federation of October 3, 2018 No. 1175 sets the deadline for submitting an application for assistance - December 01, 2018. Such applications may be considered later, and the actual assistance for such applications will be provided in the 1st quarter of 2019.
Important. An application for the need for restructuring in accordance with the assistance program must be submitted before December 01, 2018.
Now let's see who can get help. In accordance with the current legislation, citizens can count on assistance in case of mortgage difficulties subject to the following conditions simultaneously(listed below):
1 required condition- categories of borrowers.
The borrower (solidary debtors) is a citizen Russian Federation belonging to one of the following categories:
2 condition - change financial position borrower (solid debtors).
To receive assistance, it is necessary that the average monthly total income of the borrower's family (solid and joint debtors), calculated for 3 months preceding the date of filing an application for restructuring, after deducting the amount of the planned monthly loan (loan) payment, calculated for the date preceding the date of filing an application for restructuring , does not exceed for each family member of the borrower (solid and several debtor) twice the amount living wage, established in the constituent entities of the Russian Federation, on the territory of which the persons whose incomes were taken into account in the calculation live.
New condition. At the same time, the average monthly total income of the borrower's family (solid debtors) in billing period is equal to the sum of the average monthly income of the borrower (solid and joint debtors) and his family members and the amount of the planned monthly payment on the credit (loan) calculated on the date preceding the date of filing the restructuring application has increased by at least 30 percent compared to the amount of the planned monthly payment, calculated as of the date of conclusion of the credit agreement (loan agreement).
In this way, despite the fact that the assistance program is designed not only for foreign currency borrowers, its condition of increasing the monthly payment by 30% suggests that this program will be available mainly to citizens who have taken a mortgage in foreign currency.
3 condition - the location of the property and the official registration of the mortgage.
According to current requirements the object must be located on the territory of Russia, and must also be issued as a pledge. Read about the procedure for obtaining a mortgage in the article at the link.
4 condition - requirements for the area of \u200b\u200bthe room.
Assistance is provided if the residential premises, including residential premises, the right to claim for which arises from the share agreement does not exceed:
For reference. The condition of the minimum cost of 1 square. meters of total area excluded.
5 condition - the only housing.
Assistance is provided only in the presence of a single housing. At the same time, it is allowed to have an aggregate share of the pledgor and members of his family in the right of ownership of no more than 1 other residential premises in the amount of no more than 50 percent.
Important. Compliance with these conditions is confirmed by the application of the borrower in a simple written form. Submission by the borrower of information from the Unified state register real estate is not required. Joint Stock Company "Agency of Mortgage housing loans"verifies the information provided in accordance with this subparagraph by the borrower.
6 condition - the term of conclusion of the loan agreement.
Support is provided only for those loans for which the agreement was concluded at least 12 months before the date of submission of the application for restructuring by the borrower, unless mortgage(loan) is provided for the purpose of full repayment of the debt on a mortgage housing loan (loan) provided at least 12 months before the date of the borrower's application for restructuring.
New exceptions. Clause 9 of the new Program Terms (as amended by Decree of the Government of the Russian Federation of 11.08.2017 N 961) provides that in case of non-compliance with no more than two conditions provided for in clause 8 of this document, the payment of compensation under the program is allowed in accordance with the decision of the interdepartmental commission in the manner, provided by the regulation on the interdepartmental commission.
In order to receive assistance, the bank must provide for the following changes in the terms of the mortgage loan:
Acceptance of documents to assist borrowers within the framework of state program carried out by the main banks of the Russian Federation. These include:
Sberbank, Gazprombank, VTB 24, Rosselkhozbank, Bank of Moscow, UniCredit Bank, Promsvyazbank, ROSBANK, BINBANK, Absolut Bank, Avtogradbank, AK BARS, AKIBANK, GLOBEXBANK, Far East Bank, Zapsibkombank, Bank ZENIT, Izhkombank, Krayinvestbank, Kurskprombank, LOKO-Bank , METKOMBANK, MTS-Bank, OTP Bank, Primsotsbank, RosEvroBank, Svyaz-Bank, Sobinbank, Center-invest.
Recall that in order to receive restructuring, you need to apply to the bank that issued the mortgage loan, and then the bank itself applies to the Agency for Housing Mortgage Lending. Therefore, if all of the above conditions are met, it will not be superfluous to refer to the Decree of the Government of the Russian Federation of 04.20.2015 N 373 in the application to the bank.
Please note that the program does not provide for the complete exemption of the borrower from making monthly payments on the loan, from paying fines, penalties and penalties accrued under the terms of the loan agreement (loan agreement). The lender may consider the partial or full write-off of fines, penalties and forfeits for late payments formed during the period of deterioration of the borrower's solvency. However, according to the assistance program approved by the Government of the Russian Federation, he is not obliged to do this. In addition, the program does not provide for the release of the borrower from property and title insurance obligations, as well as personal insurance, the conditions for which are prescribed in the current loan agreement.
To receive support, it is necessary to submit to the bank where the mortgage loan was received, applications with a list of documents provided by AHML JSC (DOM.RF).
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 made to the main conditions for the implementation of the assistance program for certain categories of borrowers on mortgage housing loans (loans) in a difficult financial situation, approved by Decree of the Government of the Russian Federation dated April 20, 2015 N "On the main conditions for the implementation of the assistance program certain categories of borrowers for mortgage housing loans (loans) who find themselves in a difficult financial situation, and an increase in the authorized capital of the joint-stock company Agency for Housing Mortgage Lending ; 2016, N 50, item 7089; 2017, N 8, item 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 reimbursement to creditors (lenders) on mortgage housing loans (loans), mortgage agents operating in accordance with the Federal Law "On Mortgage Securities", on mortgage housing loans (loans) , the rights of claim for which are acquired by mortgage agents, and to the Joint-Stock Company "Agency for Housing Mortgage Lending" for mortgage housing loans (loans), the rights of claim for which are acquired by this company, losses (part thereof) resulting from the restructuring of mortgage housing loans (loans) in accordance with the terms of the assistance program for certain categories of borrowers on mortgage housing loans (loans) who find themselves in a difficult financial situation, approve the regulation on the said commission, the composition and procedure for its work;
send to the joint-stock company Agency for Housing Mortgage Lending, 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 Agency for Housing Mortgage Lending "for the purpose of compensating for losses (their part) to creditors (lenders) on mortgage housing credits (loans), mortgage agents operating in accordance with the Federal Law "On Mortgage Securities", on mortgage housing credits (loans), the rights of claim on which purchased by mortgage agents, and to the Joint Stock Company "Agency for Housing Mortgage Lending" on mortgage housing loans (loans), the rights of claim on 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 on mortgage personal loans (loans) in a difficult financial situation.
3. The Federal Agency for State Property Management shall ensure, in accordance with the established procedure, an increase in the authorized capital of the joint-stock company Agency for Housing Mortgage Lending by 2 billion rubles by placing additional shares and carry out actions related to the acquisition of these shares and registration of the property rights of the Russian Federation on them, in accordance with a 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. Recommend to the joint-stock company Agency for Housing Mortgage Lending, before increasing the authorized capital in accordance with paragraph three of clause 2 and clause 3 of this resolution, to direct its own funds in the amount of not more than 500 million rubles to reimburse creditors (lenders) on mortgage housing loans ( loans), mortgage agents operating in accordance with the Federal Law "On Mortgage Securities", on mortgage housing loans (loans), the rights of claim on which are acquired by mortgage agents, losses (part thereof) resulting from the restructuring on the terms of the program assistance to certain categories of borrowers on mortgage loans (loans) who find themselves in a difficult financial situation, and 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 Agency for Housing Mortgage Lending, fuss those who during the implementation of the assistance program for certain categories of borrowers on mortgage housing loans (loans) who find themselves in a difficult financial situation, in accordance with this paragraph.
5. If applications of borrowers for restructuring of mortgage housing credits (loans) were received before the entry into force of this resolution, but were not satisfied, compensation for losses (their part) to creditors (lenders) on mortgage housing credits (loans), mortgage agents carrying out activities in accordance with the Federal Law "On Mortgage Securities", for mortgage housing loans (loans), the rights of claim under which are acquired by mortgage agents, and to the Joint-Stock Company "Agency for Housing Mortgage Lending" for mortgage housing 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 the basic conditions for the implementation of the program of assistance to certain categories of borrowers on mortgage housing loans (loans) in a difficult financial situation, as amended by this resolution.
Prime Minister
Russian Federation
D. MEDVEDEV
Approved
Government Decree
Russian Federation
CHANGES,
WHICH ARE INCLUDED IN THE MAIN CONDITIONS OF IMPLEMENTATION
FOR HOUSING MORTGAGE CREDITS (LOANS)
IN A DIFFICULT FINANCIAL SITUATION
The main conditions for the implementation of the assistance program for certain categories of borrowers on mortgage loans (loans) who find themselves in a difficult financial situation shall be stated as follows:
"Approved
Government Decree
Russian Federation
(as amended by the decision
Government of the Russian Federation
GENERAL TERMS
FOR HOUSING MORTGAGE CREDITS (LOANS)
IN A DIFFICULT FINANCIAL SITUATION
1. The main conditions for the implementation of the assistance program for certain categories of borrowers on mortgage loans (loans) in a difficult financial situation (hereinafter referred to as the program) determine the conditions for restructuring mortgage loans (loans) for certain categories of borrowers in a difficult financial situation, and also the terms of reimbursement to creditors (lenders) under mortgage housing credits (loans), mortgage agents operating in accordance with the Federal Law "On Mortgage Securities", for mortgage housing credits (loans), the rights of claim on which are acquired by mortgage agents, and joint-stock to the company "Agency for Housing Mortgage Lending" on mortgage housing loans (loans), the rights of claim on which were acquired by this company, of losses (part thereof) resulting from such restructuring (hereinafter, respectively - creditor, borrower, compensation, restructuring).
2. Reimbursement under the program is carried out on a one-time basis for housing mortgage loans (loans) restructured in accordance with this document, in the manner established by the Joint-Stock Company "Agency for Housing Mortgage Lending", published on its official website in the information and telecommunications network "Internet".
3. Losses (their part) 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 by subparagraph "c" of paragraph 10 of this document, the amount monetary obligations borrower under a loan agreement (loan agreement), but not more than the maximum amount of compensation established by paragraph 6, taking into account paragraph 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 decision of the creditor on the application for restructuring provided by the borrower to the creditor (hereinafter referred to as the application for restructuring).
Restructuring can be carried out by concluding an agreement by the creditor and the borrower (solid and several debtors) on changing the terms of a previously concluded loan agreement (loan agreement), entering into a new loan agreement (loan agreement) for the purpose of full repayment of debt on a restructured mortgage housing 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 credit (loan) is 30 percent of the balance of the credit (loan) amount 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) on mortgage housing loans (loans), mortgage agents operating in accordance with the Federal Law "On Mortgage Securities", on mortgage housing loans (loans), the rights of claim under which were acquired by mortgage agents, and to the joint-stock company "Agency for Housing Mortgage Lending" on mortgage housing loans (loans), the rights of claim for which were acquired by this company, losses (part thereof) resulting from the restructuring of mortgage housing loans (loans) in in accordance with the terms of the program (hereinafter - the interdepartmental commission), the maximum amount of compensation for each restructured mortgage housing loan (loan) on the basis of the relevant application of the lender to the interdepartmental commission may be increased, but not more than 2 times, in the manner prescribed by the regulation on interdepartmental commissions.
8. Unless otherwise provided herein, as of the date of submission of the application for restructuring, the following conditions must be simultaneously met:
a) the borrower (solidary debtors) is a citizen of the Russian Federation belonging to one of the following categories:
citizens who have one or more minor children or who are guardians (custodians) 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 in the financial position of the borrower (solidary debtors) - the average monthly total income of the borrower's family (solidary debtors), calculated for 3 months preceding the date of filing an application for restructuring, after deducting the amount of the planned monthly payment on the loan (loan), calculated as of the date preceding date of submission of the application for restructuring, does not exceed for each family member of the borrower (solidary debtor) twice the subsistence level established in the constituent entities of the Russian Federation, in whose territory the persons whose incomes were taken into account in the calculation live. At the same time, the average monthly total income of the family of the borrower (solidary debtors) in the billing period is equal to the sum of the average monthly incomes of the borrower (solidary debtors) and members of his family, which for the purposes of this subparagraph include the spouse (wife) of the borrower (solidary debtor) and his minor children, in including those under his guardianship or guardianship, as well as the persons specified in the fifth paragraph of subparagraph "a" of this paragraph, and the amount of the planned monthly payment on the credit (loan), calculated on the date preceding the date of filing the application for restructuring, has increased by at least by 30 percent compared to the amount of the planned monthly payment calculated as of the date of conclusion of the loan agreement (loan agreement);
c) the fulfillment of the obligations of the borrower under the loan agreement (loan agreement) is secured by a mortgage of a dwelling located on the territory of the Russian Federation, or a pledge of claims to such dwelling, arising from an agreement on participation in shared construction that meets the requirements federal law"On participation in shared construction apartment buildings and other real estate objects and on amendments to some legislative acts of the Russian Federation" (hereinafter referred to as the agreement on participation in shared construction);
d) the total area of residential premises, including residential premises, the right of claim to which arises from an agreement on participation in shared construction, the mortgage of which is a security for the fulfillment of the obligations of the borrower under a loan agreement (loan agreement), does not exceed 45 sq. 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 on participation in shared construction, the mortgage of which is a security for the fulfillment of the obligations of the borrower under a loan 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 dated April 20, 2015 N "On the main conditions for the implementation of the program of assistance to certain categories of borrowers on mortgage loans (loans) who find themselves in a difficult financial situation, and an increase in the authorized capital joint-stock company "Agency for Housing Mortgage Lending" as of the date of filing by the borrower of the application for restructuring, it is allowed to have an aggregate share of the mortgagor and members of his family in the ownership of no more than 1 other residential premises in the amount of not more than 50 percent. The families of the pledgor include the spouse of the pledgor and his minor children, including those under his guardianship or guardianship.Compliance with these conditions is confirmed by the application of the borrower in a simple written form.Submission by the borrower of information from the Unified State Register of Real Estate is not required. the society "Agency for Housing Mortgage Lending" checks the information provided in accordance with this subparagraph by the borrower;
f) the loan agreement (loan agreement) was concluded at least 12 months before the date of filing by the borrower of the application for restructuring, except for cases where the mortgage loan (loan) was granted for the purpose of full repayment of the debt on a mortgage housing loan (loan) provided at least than 12 months prior to the date of the borrower's application for restructuring.
9. In case of non-compliance with no more than two conditions provided for in paragraph 8 of this document, the payment of compensation under the program is allowed in accordance with the decision of the interdepartmental commission in the manner prescribed by the regulation on the interdepartmental commission.
10. The restructuring agreement must simultaneously provide for the following conditions:
a) change in the currency of the credit (loan) from foreign currency to Russian rubles at an exchange rate not exceeding the exchange rate of the corresponding currency established central bank 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 force on the date of conclusion of the restructuring agreement (for credits (loans) denominated in Russian rubles);
c) reduction of monetary obligations of the borrower (solidary 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 a part of the loan (loan) amount and (or) change of the credit (loan) currency from a foreign currencies into Russian rubles at a rate lower 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);
d) exemption of the borrower (solidary debtors) from payment of the penalty accrued under the terms of the loan agreement (loan agreement), with the exception of the penalty actually paid by the borrower (solidary 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 shorten the terms of mortgage housing credits (loans) and (or) charge a commission from the borrower (solidary debtors) by the creditor for actions related to restructuring.
12. All settlements under the program are made in Russian rubles at the rate of the relevant 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).".
Charged with murder for appearing on the street for no reason, underground dancing, a ban on kissing, ruined merchants and hoteliers. Italy is killing the economy in an attempt to save citizens. I live in Rome and in a growing nightmare. In Italy, the third day of national quarantine. The night before, Prime Minister Giuseppe Conte announced the closure of all retail, restaurants and bars, hairdressers and beauty salons. Only grocery stores and pharmacies remain open. The work of other enterprises should be transferred to the remote Smart work format as much as possible, only those for whom this is impossible remain to work. On the streets, control over the movements of citizens is being strengthened. And without these latest measures, Italy was already almost completely closed. Schools, universities, museums, stadiums, fitness clubs, cinemas are closed ... - any place that involves a little bit of a crowd of people. All public events, including funerals, are prohibited. You can leave the house only for three reasons: work, health or necessity (for example, to buy groceries), and you must carry a special statement of the established form with you, in which you wrote why you left the house. People used the legal option to play sports or walk outdoors while maintaining a distance of one meter, but on the second day in some cities in the north, such as Milan, parks were also closed. And people stopped talking about their losses because of the crisis. Because it's better not to think about it anymore. I still read comments on social networks that the coronavirus is no worse than the flu. I want to show these commentators an Italy that is now, at this very moment, committing economic suicide in an attempt to somehow stop the spread of the epidemic. How the country will get out of the already obvious crisis will be decided later, but now there is another task - to prevent the number of seriously ill patients from becoming more than the healthcare system can withstand: every tenth coronavirus patient needs intensive care, primarily artificial lung ventilation . Therefore, I invite you for the last walk with me, which I managed to do before the final home imprisonment. Illustrations #1 February 23 Friends from Moscow come to visit me. We walk all day, and only late in the evening I learn that “red zones” have appeared in the north, the inhabitants of which are in quarantine. The coronavirus is already ruining the lives of Italians: there are noticeably fewer tourists in Rome, but so far only the tourism business is suffering from this. Pharmacies have already run out of masks. And yet no one takes quarantine itself seriously: neither we in the capital, nor the northerners themselves. Later we learn about several escapes from quarantine: someone went skiing in the Alps, and someone waved to dance the tango in Argentina. And there and there later new outbreaks of the disease will be recorded. February 26 Friends are increasingly talking about how the coronavirus limits their work: someone had a planned congress for 3,500 people in Umbria, someone had a promising business trip to Saudi Arabia (Italians are becoming less and less welcome guests every day) , someone has a contract for communication services for the filming of the film "Mission Impossible". Our school, which has planned several tours to Russia this spring, has started to cancel bookings. A little later, I learn about the failure of two deals for the sale of a chain restaurant and a distributor of regional food products. The Italian government is offering various measures to support people in quarantine. In Italy, 153 people are infected with the coronavirus. Three have died. February 28 Losses of hotels alone in March-May are estimated at more than 7 billion euros. I'm having lunch with a friend who runs a liquor store near Plaza España. He pays 10,000 euros a month for rent, has two salespeople and hasn't had a single purchase in a week. He says that if the whiskey festival, which is due to be held in mid-March, fails, he will be ruined. The owner of the cafe where we have lunch complains that he has never seen so few tourists. In Italy, coronavirus was found in 821 people. 46 recovered, 21 died. March 1 Italy canceled free admission to museums - traditional on the first Sunday of the month. The authorities are increasingly calling for abandoning the usual abbracci e baci, hugs and kisses, and even simple handshakes. Increasingly, there is a call to keep a distance of one meter. Coronavirus found in 1,694 people. 83 recovered, 41 died. 4 March The government closes all schools and universities in Italy. This also applies to all private schools and courses - language, dance, etc. The ban also affected me, a teacher of Russian to Italians in a language school. Initially, the ban was supposed to last until March 15. And this is where it gets really uncomfortable. I call a friend who keeps a small b&b near the Colosseum, and half-jokingly offer: - I'm ready to wash the toilets in your hotel, how much do you offer? - What toilets, Milena? I have full cancellation until June. No occupied rooms. All toilets are clean. Following the closure of dance schools and the banning of events with dances of any genre, it becomes known that a few passionate tango lovers are organizing underground milongas at home. 3,089 cases of infection have been registered. 279 people have recovered, 107 have died. March 6 Doctors in Milan and Bergamo are sounding the alarm that intensive care occupancy is approaching 40%. Friday night: a popular restaurant, where you usually can’t get into at the end of the week without a reservation. We go in - an empty hall with two occupied tables. “Please, sit down... and sit down wherever you want,” the waiter sadly gestures around the deserted restaurant. 4,636 cases of infection. 523 people have recovered, 197 have died. March 7 It becomes known that the whole of Lombardy is going to be declared a "red zone" and to prohibit any movement. Panic sets in on social media. Children from the south storm the last trains and buses leaving Milan to go home to their parents. On the night of March 8, it becomes known that in addition to Lombardy, 14 more regions are being closed. The next morning, about 2,500 people will surrender to the authorities, but they will do this after they have already landed in Apulia, Campania and other southern regions, as well as in Rome. The Italians are furious: in the south, the medical system is poorly developed, and to escape from the closed developed Milan means to endanger their fellow citizens in the south. Italy has 5,883 infections. 589 people have recovered, 233 have died. March 8 The center of Rome cannot be called deserted: a day off and excellent weather drove people to the promenade. The Colosseum and the Forum are closed, there are about 20 people around the Trevi Fountain, but the policeman says that they are also going to close the fountain to the public. The Romans and tourists dine on the street, there is no question of any distance of one meter. In the evening, numerous photos of people sitting tightly on the terraces of restaurants will cause a harsh negative reaction from the authorities. Antonio Pesenti, coordinator of the crisis center in Lombardy, says that by March 26 there will be 18,000 patients in Lombardy alone, 3,000 of whom will need mechanical ventilation. 7 375 cases of infection. 622 people have recovered, 366 have died. March 9 I just finished a class with the only student I have left. He orders lessons from his office, so the administration of the language school decided that I could continue to teach him despite the closure of the school. I opened Facebook on the go and read an article that the coronavirus had begun to circulate freely in Rome and that in the coming days the number of patients would grow exponentially, promising to turn Rome into a kind of Milan. As if the morning articles weren't enough about the fact that in Bergamo the intensive care wards are already overcrowded and doctors have to make a choice of whom to save. “Like in a war,” one of the doctors will say in an interview. In the evening of the same day, statistics were updated: more than 1,000 new infections with coronavirus per day. A couple more hours will pass, and Prime Minister Conte will announce the introduction of quarantine throughout the country. March 11 Second day of total quarantine. Today I have to go out of the house: to give a Russian lesson in the office of company X in the center of Rome. This is the only student left - I give lessons to the rest on the school grounds, and the school is closed until April 3rd. No lessons - no money. This is the situation that most teachers of private schools - language, dance, etc. - found themselves in. And not only them: no work or no business - this is the reality that many Italians will have to live with when the virus recedes. In order to leave the house somewhere beyond the nearest supermarket, I need a statement about the purpose of my movement. It must be downloaded from the website of the Ministry of Internal Affairs, printed and filled out. There is no printer at home, and the absence of a statement makes me a little nervous: the authorities promise severe punishment for its absence or falsification of information - from a fine of 206 euros to three months of arrest. To consolidate the effect, it was reported the night before that if a person with symptoms of coronavirus leaves the house (35% of those infected are treated at home), then he is promised to be charged with premeditated murder. In the season of the March cold and blooming allergies, you begin to be afraid of each of your own, as luck would have it, a more frequent sneeze. Ah yes, the statement. The police have already reported on the results of the first day that they caught several violators, but treated them condescendingly, giving them "time to build up." None of my friends were stopped on the first day, but knowing my luck, I'm still nervous. Luckily for me, my school will have a secretary today as we prepare to move classes online. Officially, for now, the quarantine will last until April 3, but more and more talk is heard that it will be extended until Easter, that is, April 12. Therefore, I go to school to print out the application and also stamp it for reliability. There are very few cars and even fewer pedestrians. Seems like I got lucky. Having printed out the certificate, I walk to the lesson. Probably never before has Rome been so deserted by daylight. Involuntarily, stories about neutron bombs from early childhood during the Cold War come to mind: the buildings are intact, but the people are not. Beautiful, but uncomfortable: Rome is difficult to separate from the constant noisy crowd. Hard quarantine lasts the second day. But the effect is already there. At least on the streets. It will appear in medical statistics in two weeks, the Prime Minister will announce in the evening. Italians, who ignored calls for lockdown and the Io resto a casa, “I stay at home” campaign launched by the authorities, have finally realized the seriousness of the situation. Inspiring posts are being created on social networks about how strong hugs will be after a long separation (hugs and kisses at a meeting, traditional for southern culture, were banned two weeks earlier) and how together we will finally have lunch with a big company. Lying on the couch becomes an act of patriotism. The #iorestoacasa hashtag is turning into an act of civic consciousness. And as loud as it sounds, it's finally true. There were noticeably fewer people in the city during the last week. The Romans rejoiced and remembered the holiday season in the second half of August, when the city was dying out. But now, under quarantine, the number of people has decreased significantly: tourists are returning home, and Italians have no time for walking. I walk along empty streets with occasional pedestrians. Many shops are already closed, although the official ban will not be announced until the evening. Numerous restaurants along my road are also closed. Including the noisiest one, right next to the office where I go. Over the past two days that I have not been here, posters about the coronavirus have appeared on the glass doors of the office center where my student works. On the elevator - a warning that you can use it only one at a time. Let the city become even more empty, but for me the main thing is that the company where my student works remains open, although it has transferred half of the staff to remote work. For me, it is also a legal way to get out into the city. Each company solves the issue of work in recent days in its own way: IT companies were the first to switch to remote work, and someone was forced to do it urgently, “thanks” to the fact that a colleague from Milan looked into the office; engineering and architecture studios have smoothly brought work to one attendance day in the office, but acquaintances from corporate banking, for example, say that they still go to work in full force. The promotion of remote work, Smart working, is gaining momentum, so that purchases of laptops have grown by up to 50%. At least someone has benefited from what is happening. For those for whom remote work is impossible, the employer offers other conditions that are not always pleasant. A friend of mine who works as a saleswoman in a luxury clothing store has to take an extra two days off each week to cover her vacation. Her annual vacation will end faster than the quarantine. The lesson is over. On the way home, I turn to the main Termini station: a huge queue of taxi drivers and not a single one potential client, rare passengers, half of the shops and almost all cafes are closed. This makes the station darker than usual. If the deserted center is beautiful in the bright rays of the spring sun, then the half-empty and half-dark station acts depressingly. I'm in a hurry to get home. In my area, I finally see people, and in much greater numbers than in the center. At first I am surprised at such a hype, and then I understand: people maintain a distance of one meter from each other, and in most small shops this can only be done by waiting on the street. There is a queue in front of the entrance to the supermarket, because only a small number of people can be inside. The distance between people is more than a meter. At the entrance to the store, disposable gloves are issued: you can only be inside them. At almost every counter there are yellow leaflets about the need to keep your distance. Meanwhile, WHO announces the beginning of a coronavirus pandemic. It would seem that it's time to shop online, but, unfortunately, I'm not the only one who thinks so. On the morning of Thursday, March 12, the delivery time for groceries in Rome is extended to 12 days. In the meantime, on Wednesday evening, I listen to another speech by the Prime Minister about the next tightening. Not to say that they were a big surprise, from the first day of quarantine, the governors of the northern regions, primarily the head of the most affected Lombardy, Attillio Fontana, proposed introducing a total ban on any commercial activity at least in the most affected areas, leaving only grocery stores and pharmacies, and reduce public transport in order to achieve maximum isolation of citizens. They say there is no point in quarantine as long as people go to work every day. “There will be no blind race to the abyss,” the prime minister replied on Thursday evening, introducing new restrictions, but adding that even an increase in the incidence in the coming days does not mean an immediate further tightening: it should take two weeks for the result of quarantine to become noticeable. He also emphasized that there are open banks, insurance companies that factories can continue to operate with maximum safety measures for their employees, and most importantly, supermarkets will operate without interruption. Italy has 12,462 cases of coronavirus infection. 1,045 people have recovered, 827 have died. March 12 I was awakened by a call from the secretary from the Russian language school where I teach. - Milena, cancel all lessons with X. - Why? - Additional restrictions have been released, now you can go to work only if it is so specific that it is impossible not to go to work. The rest can leave the house only to the store and pharmacy. Control increased: I myself was stopped jogging in the morning and told to return home. By the middle of the day, seven people were arrested in Rome for violating the quarantine regime and 43 were fined. 15,113 cases of the disease, 1,258 people recovered, 1,016 died, 1,153 are in intensive care. Milena BAKHVALOVA, Banki.ru
Decree of the Government of the Russian Federation of August 11, 2017 N 961 "On the further implementation of the program of assistance to certain categories of borrowers on mortgage loans (loans) who find themselves in a difficult financial situation"
GOVERNMENT OF THE RUSSIAN FEDERATION
RESOLUTION
ABOUT FURTHER IMPLEMENTATION
FOR HOUSING MORTGAGE CREDITS (LOANS)
IN A DIFFICULT FINANCIAL SITUATION
The Government of the Russian Federation decides:
1. Approve the attached changes that are made to the main conditions for the implementation of the program of assistance to certain categories of borrowers on 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 on mortgage housing loans (loans) who find themselves in a difficult financial situation, and an increase in the authorized capital of the joint-stock company Agency for Housing Mortgage Lending (Sobranie Zakonodatelstva Rossiyskoy Federatsii, 2015, N 17, art. 2567; N 50, art. 7179; 2016, N 50, item 7089; 2017, N 8, item 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 reimbursement to creditors (lenders) on mortgage housing loans (loans), mortgage agents operating in accordance with the Federal Law "On Mortgage Securities", on mortgage housing loans (loans) , the rights of claim for which are acquired by mortgage agents, and to the Joint-Stock Company "Agency for Housing Mortgage Lending" for mortgage housing loans (loans), the rights of claim for which are acquired by this company, losses (part thereof) resulting from the restructuring of mortgage housing loans (loans) in accordance with the terms of the assistance program for certain categories of borrowers on mortgage housing loans (loans) who find themselves in a difficult financial situation, approve the regulation on the said commission, the composition and procedure for its work;
send to the joint-stock company Agency for Housing Mortgage Lending, 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 Agency for Housing Mortgage Lending "for the purpose of compensating for losses (their part) to creditors (lenders) on mortgage housing credits (loans), mortgage agents operating in accordance with the Federal Law "On Mortgage Securities", on mortgage housing credits (loans), the rights of claim on which purchased by mortgage agents, and to the Joint Stock Company "Agency for Housing Mortgage Lending" on mortgage housing loans (loans), the rights of claim on 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 on mortgage personal loans (loans) in a difficult financial situation.
3. The Federal Agency for State Property Management shall ensure, in accordance with the established procedure, an increase in the authorized capital of the joint-stock company Agency for Housing Mortgage Lending by 2 billion rubles by placing additional shares and carry out actions related to the acquisition of these shares and registration of the property rights of the Russian Federation on them, 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 Agency for Housing Mortgage Lending.
4. Recommend to the joint-stock company Agency for Housing Mortgage Lending, before increasing the authorized capital in accordance with paragraph three of clause 2 and clause 3 of this resolution, to direct its own funds in the amount of not more than 500 million rubles to reimburse creditors (lenders) on mortgage housing loans ( loans), mortgage agents operating in accordance with the Federal Law "On Mortgage Securities", on mortgage housing loans (loans), the rights of claim on which are acquired by mortgage agents, losses (part thereof) resulting from the restructuring on the terms of the program assistance to certain categories of borrowers on mortgage loans (loans) who find themselves in a difficult financial situation, and 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 Agency for Housing Mortgage Lending, fuss those who during the implementation of the assistance program for certain categories of borrowers on mortgage housing loans (loans) who find themselves in a difficult financial situation, in accordance with this paragraph.
5. If applications of borrowers for restructuring of mortgage housing credits (loans) were received before the entry into force of this resolution, but were not satisfied, compensation for losses (their part) to creditors (lenders) on mortgage housing credits (loans), mortgage agents carrying out activities in accordance with the Federal
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 made to the main conditions for the implementation of the program of assistance to certain categories of borrowers on 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 on mortgage housing loans (loans) who find themselves in a difficult financial situation, and an increase in the authorized capital of the joint-stock company Agency for Housing Mortgage Lending (Sobranie Zakonodatelstva Rossiyskoy Federatsii, 2015, N 17, art. 2567; N 50, art. 7179; 2016, N 50, item 7089; 2017, N 8, item 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 reimbursement to creditors (lenders) on mortgage housing loans (loans), mortgage agents operating in accordance with the Federal Law "On Mortgage Securities", on mortgage housing loans (loans) , the rights of claim for which are acquired by mortgage agents, and to the Joint-Stock Company "Agency for Housing Mortgage Lending" for mortgage housing loans (loans), the rights of claim for which are acquired by this company, losses (part thereof) resulting from the restructuring of mortgage housing loans (loans) in accordance with the terms of the assistance program for certain categories of borrowers on mortgage housing loans (loans) who find themselves in a difficult financial situation, approve the regulation on the said commission, the composition and procedure for its work;
send to the joint-stock company Agency for Housing Mortgage Lending, 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 Agency for Housing Mortgage Lending "for the purpose of compensating for losses (their part) to creditors (lenders) on mortgage housing credits (loans), mortgage agents operating in accordance with the Federal Law "On Mortgage Securities", on mortgage housing credits (loans), the rights of claim on which purchased by mortgage agents, and to the Joint Stock Company "Agency for Housing Mortgage Lending" on mortgage housing loans (loans), the rights of claim on 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 on mortgage personal loans (loans) in a difficult financial situation.
3. The Federal Agency for State Property Management shall ensure, in accordance with the established procedure, an increase in the authorized capital of the joint-stock company Agency for Housing Mortgage Lending by 2 billion rubles by placing additional shares and carry out actions related to the acquisition of these shares and registration of the property rights of the Russian Federation on them, 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 Agency for Housing Mortgage Lending.
4. Recommend to the joint-stock company Agency for Housing Mortgage Lending, before increasing the authorized capital in accordance with paragraph three of clause 2 and clause 3 of this resolution, to direct its own funds in the amount of not more than 500 million rubles to reimburse creditors (lenders) on mortgage housing loans ( loans), mortgage agents operating in accordance with the Federal Law "On Mortgage Securities", on mortgage housing loans (loans), the rights of claim on which are acquired by mortgage agents, losses (part thereof) resulting from the restructuring on the terms of the program assistance to certain categories of borrowers on mortgage loans (loans) who find themselves in a difficult financial situation, and 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 Agency for Housing Mortgage Lending, fuss those who during the implementation of the assistance program for certain categories of borrowers on mortgage housing loans (loans) who find themselves in a difficult financial situation, in accordance with this paragraph.
5. If applications of borrowers for restructuring of mortgage housing credits (loans) were received before the entry into force of this resolution, but were not satisfied, compensation for losses (their part) to creditors (lenders) on mortgage housing credits (loans), mortgage agents carrying out activities in accordance with the Federal Law "On Mortgage Securities", for mortgage housing loans (loans), the rights of claim under which are acquired by mortgage agents, and to the Joint-Stock Company "Agency for Housing Mortgage Lending" for mortgage housing 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 the basic conditions for the implementation of the program of assistance to certain categories of borrowers on mortgage housing loans (loans) in a difficult financial situation, as amended by this resolution.
Prime Minister
Russian Federation
D. MEDVEDEV
Approved
Government Decree
Russian Federation
CHANGES,
WHICH ARE INCLUDED IN THE MAIN CONDITIONS OF IMPLEMENTATION
FOR HOUSING MORTGAGE CREDITS (LOANS)
IN A DIFFICULT FINANCIAL SITUATION
The main conditions for the implementation of the assistance program for certain categories of borrowers on mortgage loans (loans) who find themselves in a difficult financial situation shall be stated as follows:
"Approved
Government Decree
Russian Federation
(as amended by the decision
Government of the Russian Federation
GENERAL TERMS
FOR HOUSING MORTGAGE CREDITS (LOANS)
IN A DIFFICULT FINANCIAL SITUATION
1. The main conditions for the implementation of the assistance program for certain categories of borrowers on mortgage loans (loans) in a difficult financial situation (hereinafter referred to as the program) determine the conditions for restructuring mortgage loans (loans) for certain categories of borrowers in a difficult financial situation, and also the terms of reimbursement to creditors (lenders) under mortgage housing credits (loans), mortgage agents operating in accordance with the Federal Law "On Mortgage Securities", for mortgage housing credits (loans), the rights of claim on which are acquired by mortgage agents, and joint-stock to the company "Agency for Housing Mortgage Lending" on mortgage housing loans (loans), the rights of claim on which were acquired by this company, of losses (part thereof) resulting from such restructuring (hereinafter, respectively - creditor, borrower, compensation, restructuring).
2. Reimbursement under the program is carried out on a one-time basis for housing mortgage loans (loans) restructured in accordance with this document, in the manner established by the Joint-Stock Company "Agency for Housing Mortgage Lending", published on its official website in the information and telecommunications network "Internet".
3. Losses (their part) of the creditor on each mortgage housing credit (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 loan agreement (loan agreement), but not more than the maximum amount of compensation established by paragraph 6, taking into account paragraph 7 of this document.
4. Compensation within the framework of 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 decision of the creditor on the application for restructuring provided by the borrower to the creditor (hereinafter referred to as the application for restructuring).
Restructuring can be carried out by concluding an agreement by the creditor and the borrower (solid and several debtors) on changing the terms of a previously concluded loan agreement (loan agreement), entering into a new loan agreement (loan agreement) for the purpose of full repayment of debt on a restructured mortgage housing 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 credit (loan) is 30 percent of the balance of the credit (loan) amount 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) on mortgage housing loans (loans), mortgage agents operating in accordance with the Federal Law "On Mortgage Securities", on mortgage housing loans (loans), the rights of claim under which were acquired by mortgage agents, and to the joint-stock company "Agency for Housing Mortgage Lending" on mortgage housing loans (loans), the rights of claim for which were acquired by this company, losses (part thereof) resulting from the restructuring of mortgage housing loans (loans) in in accordance with the terms of the program (hereinafter - the interdepartmental commission), the maximum amount of compensation for each restructured mortgage housing loan (loan) on the basis of the relevant application of the lender to the interdepartmental commission may be increased, but not more than 2 times, in the manner prescribed by the regulation on interdepartmental commissions.
8. Unless otherwise provided herein, as of the date of submission of the application for restructuring, the following conditions must be simultaneously met:
a) the borrower (solidary debtors) is a citizen of the Russian Federation belonging to one of the following categories:
citizens who have one or more minor children or who are guardians (custodians) of one or more minor children;
citizens who are disabled or have disabled children;
citizens who are combat veterans;
b) change in the financial position of the borrower (solidary debtors) - the average monthly total income of the borrower's family (solidary debtors), calculated for 3 months preceding the date of filing an application for restructuring, after deducting the amount of the planned monthly payment on the loan (loan), calculated as of the date preceding date of submission of the application for restructuring, does not exceed for each family member of the borrower (solidary debtor) twice the subsistence level established in the constituent entities of the Russian Federation, in whose territory the persons whose incomes were taken into account in the calculation live. At the same time, the average monthly total income of the family of the borrower (solidary debtors) in the billing period is equal to the sum of the average monthly incomes of the borrower (solidary debtors) and members of his family, which for the purposes of this subparagraph include the spouse (wife) of the borrower (solidary debtor) and his minor children, in including those under his guardianship or guardianship, as well as the persons specified in the fifth paragraph of subparagraph "a" of this paragraph, and the amount of the planned monthly payment on the credit (loan), calculated on the date preceding the date of filing the application for restructuring, has increased by at least by 30 percent compared to the amount of the planned monthly payment calculated as of the date of conclusion of the loan agreement (loan agreement);
c) the fulfillment of the obligations of the borrower under the loan agreement (loan agreement) is secured by a mortgage of a dwelling located on the territory of the Russian Federation, or a pledge of claims to such dwelling, arising from an agreement on participation in shared construction that meets the requirements of the Federal Law "On Participation in Shared 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 on participation in shared construction);
d) the total area of residential premises, including residential premises, the right of claim to which arises from an agreement on participation in shared construction, the mortgage of which is a security for the fulfillment of the obligations of the borrower under a loan agreement (loan agreement), does not exceed 45 sq. 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 on participation in shared construction, the mortgage of which is a security for the fulfillment of the obligations of the borrower under a loan 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 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 on mortgage loans (loans) who find themselves in a difficult financial situation, and an increase in the charter capital of the joint-stock company "Agency for Housing Mortgage Lending" by the date of the borrower's application for restructuring, it is allowed to have an aggregate share of the pledger and members of his family in the ownership of no more than 1 other residential premises in the amount of not more than 50 percent. the family members of the pledgor include the spouse of the pledgor and his minor children, including those under his guardianship or custody. th society "Agency for Housing Mortgage Lending" checks the information provided in accordance with this subparagraph by the borrower;
f) the loan agreement (loan agreement) was concluded at least 12 months before the date of filing by the borrower of the application for restructuring, except for cases where the mortgage loan (loan) was granted for the purpose of full repayment of the debt on a mortgage housing loan (loan) provided at least than 12 months prior to the date of the borrower's application for restructuring.
9. In case of non-compliance with no more than two conditions provided for in paragraph 8 of this document, the payment of compensation under the program is allowed in accordance with the decision of the interdepartmental commission in the manner prescribed by the regulation on the interdepartmental commission.
10. The restructuring agreement must simultaneously provide for the following conditions:
a) change in the currency of the credit (loan) from foreign currency to Russian rubles at an exchange rate not exceeding the exchange 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 force on the date of conclusion of the restructuring agreement (for credits (loans) denominated in Russian rubles);
c) reduction of monetary obligations of the borrower (solidary 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 a part of the loan (loan) amount and (or) change of the credit (loan) currency from a foreign currencies into Russian rubles at a rate lower 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);
d) exemption of the borrower (solidary debtors) from payment of the penalty accrued under the terms of the loan agreement (loan agreement), with the exception of the penalty actually paid by the borrower (solidary 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 shorten the terms of mortgage housing credits (loans) and (or) charge a commission from the borrower (solidary debtors) by the creditor for actions related to restructuring.
12. All settlements under the program are made in Russian rubles at the rate of the relevant 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).".