who have consumer loans and crits and how to write quality content who find themselves in a difficult life situation. We are talking about cases when the borrower’s income has decreas by more than 30% compar to the average monthly income of the borrower. In this situation, citizens will have the right to use a one-time crit holiday to restore solvency, when it will be possible not to make payments under the agreement. During such a grace period, which will be limit to six months, it is prohibit to charge fines and penalties, collect the collateral and contact the borrower’s guarantor. At the same time, interest will be charg on the debt.
The temporary “anti-crisis” crit holidays
The permanent “mortgage holidays” that have been in effect since 2019 have been quite effective in preventing defaults by many borrowers who have fac a significant ruction in income. According to the Bank of Russia, after the end of the “anti-crisis holidays”, 72% of borrowers were able to return to the payment schule, and after the “mortgage holidays”, about 86% of borrowers.
— Will this practice not lead to the accumulation
of crit debt among citizens? After all, by the who is he and what does he do? end of last year, the rate of lending increas, and banks actively lent not only to new borrowers, but agb directory also to people with an already high debt burden.
