The Russians will not allow to pay on loans

In consequence of the decline of the foreign exchange market deputies of the state Duma postponed the introduction of the law on bankruptcy for individuals for six months. So, as adopted at the plenary session of the amendments, the people of Russia will be able to declare themselves bankrupt already from 1 July 2015.

It was expected that the law, according to which ordinary gentlemen will be able to declare themselves bankrupt, you will begin to act only in 2016. However to relieve social tension, which may occur in consequence of the crisis on the foreign exchange market, it was decided to accelerate its adoption. In a short time if a resident of Russia will understand that you are unable to repay the loan in excess of half a million rubles, that'll make him a legitimate reason not to do it.

"This is due to the need to reduce social tension due to the difficult financial situation. The law creates a positive, "soft" alternative to Executive produce, providing the possibility of deferral, installment, discounting the amount of the debt, reduce the amount of interest to the refinancing rate of the Central Bank", - quote "Izvestia" the Chairman of the state Duma Committee on property Sergey Gavrilov.

Therefore, from July 1, 2015, any citizen with a debt in excess of 500 thousand rubles may file for bankruptcy, if it implies that you will not be able to service its own debt. He will have to provide the court with lists of private creditors and debtors with amounts receivable, inventory own property, even that is in Deposit, and certificate accounts, contributions, earnings and taxes paid for 3 years. Also, willing to declare themselves bankrupt will be required to report on all the perfect deals for the past 3 years with real estate and other property more expensive than 300 thousand rubles.

Chairman of state Duma Committee on property stressed that the initiative will help to solve the problems of many borrowers and to a large extent will contribute to economic recovery. "The law will allow citizens to get rid of debts in case of failure of complete closure of the debt, will give the chance to start a new life with a clean slate again to develop and run their own business", - said Sergey Gavrilov.

Specialists imagine that the adoption of the amendments will be the main anti-crisis measure. "Initially it was planned to take in the crisis of 2008. The adoption of the law was considered by the intention of the anti-crisis actions of the government. Now, apparently, it is the situation that more cannot wait: delay of individuals increases, the necessary urgent measures to resolve the situation", - said the expert of the center of expertise Taxadmin.ru Maxim Warriors.

Head of Finpotrebsoyuz Igor Kostikov said that a measure is extremely important and will help many people in Russia. "This is extremely positive news is that 10 years was drawn from the adoption of the law, and then finally the situation has moved from a dead point. We expect that next year the rate will be able to use about 10 thousand people", - he told.

sections: Politics