The Bank of Russia believes that the currency conversion mortgage on a " reasonable rate " in the interests of borrowers and lending institutions.
" reviews of the Bank of Russia, the restructuring of such loans, including conversion into rubles at a reasonable rate, would serve the interests of both borrowers and the credit organizations ", - said the press service, reports TASS. While the Central Bank noted that loans in foreign currency granted to persons who do not have the monetary funds coming, bear greater risk for lenders and borrowers. The regulator also said that the CBR has the right to intervene in the Bank's relations with its clients, as well as among them monetary food. The message in the CB made in response to a query about whether the regulator to follow the example of other parts of Central banks and to oblige banks to restructure mortgage loans to residents. For example, Such a decision was taken yesterday, the national Bank of Ukraine. First of monetary food helped and the Hungarian regulator. The Memorandum of restructuring currency mortgage loans was approved by the NBU in the process of meeting, on 24 December. The document provides for the conversion of debt on such loans (the rest of the main some of which does not exceed 2, 5 million at the official exchange rate on 1 January) in UAH according to the exchange rate on the date of restructuring. The Bank will forgive the difference amount of the restructured loan (the difference is charged an interest rate of 0, 01% per annum) between course day loan restructuring and rate at 1 January proportional to the repayment by the debtor of the debt on the loan. At the same time is provided to fix the interest rate of the loan amount, which was restructured at the exchange rate on January 1, at the level not higher than indicated in the contract for three years from the time of conversion. Problems for Residents who have taken foreign currency mortgage loan associated with the devaluation of the ruble, aggravated by the end of October 2014. Certain Russian banks have already expressed their attitude to the requirements of the borrowers to restructure such debt or to deduct part of the interest payments. 1st Deputy head of Department of the state Duma industry Vladimir Gutenev sent to the head of the Bank of Russia Elvira Nabiullina letter with the request to report on the situation of Russian citizens, displaced in a sharp devaluation of the ruble to pay mortgage loans in foreign currency.


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sections: Politics