AHK assistance to mortgage borrowers VTB 24. Description of the AHK program to assist mortgage borrowers, options for its application and the required package of documents

The state strives to ensure mortgage lending is accessible to every person. The implementation of this goal is a key element of the activities of the Housing Mortgage Lending Agency.

The official website of AHML is dom.rf. To access the web page, you must click on the following link.

The main page of the portal illustrates basic information about the company:

• Main news and announcements of the organization;
• Analytical data;
• Mortgage rates
• Interesting videos about choosing the right housing
• Inflation rate and so on.

At the top of the web page, the applicant can click on links of interest to him, such as mortgage, rent, land, about the company, and so on.

Since 2018, the division has changed its name from “AHML” to “DOM.RF”. The main task is to help provide housing to citizens and ensure accessibility and transparency in choice.

To achieve the main goal, the company implements the following functional responsibilities:

• Development of secondary housing mortgage lending;
• Development of residential rentals;
• Providing state-owned land plots for auction for sale;
• Renting out for the purpose of residential construction, taking into account all the requests of the developer;
• Transfer of land to defrauded shareholders or large families;
• Creation of a bank on the basis of which clients can receive all services related to the selection, purchase, registration of residential premises, with subsequent servicing;
• Ensuring reliability. Works only with trusted credit institutions and developers;
• Formation of favorable infrastructure by supporting the quality of improvement processes, development of the urban environment and taking into account the social and economic directions of the country.

DOM.RF is developing steadily. In its growth strategy from 2016 to 2020, it set goals such as increasing the volume of mortgage lending to 500 billion rubles, involving up to 14 thousand hectares of state land, and so on.

Must remember! To ensure you don't miss important news regarding mortgages, home construction or residential building laws, you should regularly visit the site to monitor announcements. For convenience, you can save the link in your bookmarks to save time.

Personal Area

Interaction with AHML takes place through VTB Bank or your personal account, which can be accessed via the link.

The borrower’s account allows you to make various transactions without a VTB intermediary, such as:

• Submitting an application for partial or full repayment of debt;
• Control over overdue debts;
• Receiving data on completed payments and repayment history;
• Checking information about the debt balance, monthly payment, and so on.

Important. To always be aware of the news of overdue debts and the date of debt repayment, you should register on the home.rf portal. and receive all the necessary information directly to your email. To register, you need confirmation of the service agreement and information about your full name, date of birth, mortgage number and contact phone number.

How to get a mortgage

To obtain a mortgage you must do the following:

1. Filling out an online application, after which a bank employee contacts the borrower to select optimal loan conditions;
2. Collection of necessary documents to confirm the application. The review period is up to two days;
3. Choosing appropriate housing. The company manager contacts the borrower to help with the choice;
4. Obtaining a mortgage in one of the partner branches.

The list of partners can be checked in the “Mortgage Products” tab by clicking on “our partners”.

A window will open with a selection of appropriate partners, depending on the location. Partners operate throughout Russia; just select the required city or region from the list.

How to calculate a mortgage?

The website provides an online calculator that allows you to calculate the term and amount of the monthly payment.

To do this, you need to select a mortgage program, housing cost, maternity capital (optional), down payment and desired mortgage term.

For example, if you choose the “New Building” program, the cost of housing will be 2,000,000 rubles, the down payment will be 400,000 rubles and the loan term will be 15 years, and the interest rate and monthly payment will be:

Types of mortgage products and requirements for borrowers

The AHML service has many advantages, such as:

• Conducting all transactions at the state level, which minimizes financial risks;
• Savings due to the absence of commissions;
• Providing an online service that allows you to control completed actions, repayment terms, and so on.

Important!

The list of necessary documents for registration of a particular program can be found at the link https://xn--d1aqf.xn--p1ai/mortgage/how/loandocs/

DOM.RF offers the following types of mortgage programs:

1. Ready housing. The interest rate ranges from 9.25% to 9.75% (depending on the down payment).

Requirements:

• Borrower's age is from 21 to 65 years;
• Work on a permanent basis for at least 6 months;
• The loan term is from 3 to 30 years and so on.

1. New building. Interest rate from 9.0% to 9.50%, which depends on the total loan amount.
2. On-lending. The interest rate ranges from 9.0% to 9.50%. A facility under construction can be at any stage of construction.

Previous loan requirements:

• No overdue debts;
• Payments have been made for six interest periods;
• No restructuring.

1. Family mortgage. Interest rate from 6%. The product is provided to families whose second or third child was born from 2018 to 2022. The first required payment must be at least 20% of the housing amount.
2. Secured by an apartment. Rate from 9.25%. The minimum loan amount is 500,000 rubles. The requirement for an apartment is that the owners of the property cannot be minors or incapacitated persons.
3. Military mortgage. Interest rate from 9.0%. Down payment from 20%. The borrower must be over 25 years old. The maximum loan amount is about 2.5 million rubles.
4. Regional programs. It has a relatively low interest rate (from 6%). Participants in the program are determined by the regional government. These could be young or large families, budget employees, and so on.

Important. A list of areas in which regional programs are held can be found here.

1. Social mortgage. The program was compiled by the government of the Moscow region. Participants are doctors, teachers, young scientists or unique specialists. The program applies to people who work in Moscow and also to those who want to move to the capital. The advantage is that the borrower is provided with ready-made housing for free at the expense of the state; he pays only the accrued interest.

Important. The list of required vacancies and all the necessary information about social mortgages can be found on the official website.

State program for assistance to borrowers

The organization helps borrowers in purchasing a home who find themselves in difficult financial situations.

Program participants can become:

• Parents of minor children or disabled children;
• Veterans;
• Disabled people;
• Parents whose children are studying full-time and are under 24 years of age.

To receive support, you must do the following:

• Contacting the bank;
• Clarification of opportunities for receiving assistance;
• Collection of necessary documents;
• Receiving a final decision.

Important. Additional information about the state program can be obtained from the link.

Attention! All information on this site is presented for informational purposes only. The site does not collect or process personal data. Federal Law No. 152-FZ of July 27, 2006 “On Personal Data” is not violated.

Welcome to the pages of the online magazine “Ipotekoved.RU”. Today we will talk about what the mortgage borrower assistance program is and exactly how you can get help repaying your mortgage from the state in 2019.

Today you will learn:

— What is this program to help certain categories of mortgage borrowers?

— How to get help in repaying a mortgage from the state?

— Reviews of those who received government assistance in paying off their mortgage.

So, go ahead!

Mortgage has become one of the effective tools for solving the housing problem in Russia. Yes, it has a number of disadvantages and advantages, which we will consider in a separate post of our project, but this is a real opportunity, especially for young families, to purchase housing.

With the onset of another economic crisis, the state had to provide support to mortgage borrowers who found themselves in a difficult financial situation. In April 2015, the corresponding 373 Decree of the Government of the Russian Federation dated April 20, 2015, signed by D.A. Medvedev. The operator for the implementation of this project was JSC Agency for Housing Mortgage Lending.

Initially, this resolution provided for the validity of the assistance program until the end of 2016, but changes and additions were repeatedly made to it. Today, according to the latest amendments to 373 Government Resolution dated November 24, 2016, assistance to mortgage borrowers (mortgage restructuring) valid until March 1, 2017(extended until May 31, 2017 by Decree of the Government of the Russian Federation dated 02/10/2017 No. 172, from 03/07/2017 the acceptance of new applications has been suspended due to the expenditure of funds under the program.

However, in July 2017, an additional 2 billion rubles were allocated from the government fund to resume the program. On August 11, 2017, new conditions for participation in the mortgage borrower assistance program were released - which you will learn about from this post) and are as follows:

• The borrower's mortgage obligations to the bank are reduced in the amount of 20% to 30% of the balance (at the discretion of the lender's bank), but not more than RUB 1,500,000.
• By agreement between the borrower and the bank, you can choose the format of assistance, namely, either use the entire amount of mortgage assistance to pay off the principal debt and thereby reduce the monthly payment, or to reduce the monthly payment by 50% or more for up to 1.5 years.
• Replacing foreign currency mortgages with ruble ones. Moreover, the mortgage rate cannot be higher than 11.5% per annum. For a ruble mortgage, not higher than the current bank rate, except for cases provided for in the mortgage agreement, in case of violation of insurance rules.
• Before September 1, a special interdepartmental commission must be created that will be able to increase the maximum payment under the program by 2 times and approve applications for participation if there are deviations from the basic conditions, but not more than in two points.

Example: If a family has a mortgage balance at the time of restructuring of 2 million rubles and, after checking the AHML documents, the creditor bank decided to write off the debt in the amount of 20% of the balance of the principal debt, then with a mortgage of 12% per annum with a remaining term of 10 years payment will be reduced from the planned 28,694 rubles. per month up to 22955. Benefit 5739 rubles.

There is an opinion that very often banks refuse to carry out mortgage restructuring, but in fact this procedure is very beneficial for them because losses incurred by the bank (lost interest income) due to early repayment are compensated by the state.

Changes in the program for assistance to mortgage borrowers dated 02/10/2017 suggest that the maximum compensation of 30% of the balance (up to 1.5 million rubles) is compensated by the state only if there are two children in the family or you are disabled (disabled child), and combat veterans can also apply. With one child you can only claim 20%. Changes dated August 10, 2017 allow the maximum payment to be doubled by decision of a special interdepartmental commission. Also, the mortgage loan must be issued no earlier than 12 months before the date of filing the restructuring application.

Having analyzed the negative reviews about mortgage repayment with the help of the state, our experts came to the conclusion that most often the basis for refusal is inaccurate information provided by the borrower and lack of knowledge of the basic requirements and conditions of state support. Let's talk about them now.

Important point! Acceptance of documents under the Program has been suspended since December 2, 2018 and the program is no longer operational.

Who can receive support from the state

Government Decree No. 373, as amended on November 24, 2016, provides the following list of persons to whom the state can help pay mortgage payments:

• Citizens of the Russian Federation with 1 or more minor children;
• Guardians (trustees) of 1 or more minor children;
• Participants in hostilities;
• Disabled people or families with disabled children;
• Citizens with dependent children under 24 years of age who are studying full-time at an educational institution.

Requirements for mortgage housing

To receive assistance from the state, the mortgaged apartment must meet these characteristics:

• Should not exceed the total area for a one-room apartment - 45 sq.m., for an apartment with two rooms - 65 sq.m. and for three rubles or more - 85 sq.m.
• Cost of 1 sq.m. the total area of ​​housing exceeds no more than 60% of the average cost of a typical apartment in your region on the date of conclusion of the loan agreement (according to the Federal State Statistics Service).
• The residential premises must be the only one for the mortgage borrower. In this case, it is allowed to have a total ownership share of no more than 50% of all family members in one other residential premises. The availability of property is counted from 04/30/2015. Those. It will not be possible to quickly rewrite/donate “extra” real estate in order to become a participant.

Important point! The requirement for the total area of ​​mortgage housing and the cost per square meter does not apply to families with 3 or more minor children. If you have more than 50% of the property in another home, then you will be denied the program, but you can transfer it to relatives and then everything will be ok. To do this quickly and without problems, we recommend that you sign up for a free consultation with our lawyer (promotion until December 31, 2019) in the special form in the corner. From August 11, 2017, disputes regarding square meters and deviations under the program must be resolved by a special interdepartmental commission, which will be created in September.

Requirements for mortgage borrowers

• Russian citizenship
• Your income is less than twice the cost of living where you live for each person in your household, subtracted from your monthly mortgage payment. The last three complete months are analyzed. In this case, the mortgage payment must increase by at least 30% of the initial payment.

Those. This program is only suitable for foreign currency mortgages and those borrowers with a floating rate. For ordinary mortgage borrowers, it is impossible for the current payment to be 30% higher than the original payment. But when the interdepartmental commission starts working, it will be possible to submit an application there for consideration because Up to 2 deviations from the conditions are allowed. Deviation for increasing the monthly payment, among other things.

If you have a co-borrower in the mortgage and he has a registered share in the ownership of this apartment, then he is obliged to provide a full package of documents both for himself and for his family members.

Now answer these questions. If you receive the answer “NO” to one of them, then you will not be able to qualify for participation in the mortgage borrower support program in 2019.

1. Do you have minor children or are you a guardian (trustee) of such children?
2. Housing purchased with a mortgage in Russia?
3. Are all mortgage borrowers citizens of the Russian Federation?
4. After subtracting the mortgage payment, is the income for each member of your family less than twice the cost of living in your region?
5. Has your payment increased by 30% from the original schedule?
6. Is the mortgage issued for the purchase of finished housing or housing under construction?
7. The total housing area is less than 45 sq.m. for a one-room apartment, 65 sq.m. for two-room apartment and 85 sq.m. for three rubles and above (except for families with 3 or more children).
8. Cost of 1 sq.m. no more than 60% of the average cost per square meter in a typical apartment in your region?

If all your answers are “Yes,” then you will be able to receive support from the state in paying off mortgage loans.

How to get government support

Now you already know that you can count on support from the state in repaying your mortgage. Now all that remains is to find out how to get it.

First of all, you need to contact the bank where you received your mortgage. Almost all major banks participate in this mortgage assistance program. The full list can be downloaded.

As a rule, this issue is dealt with by the department for working with overdue debts. You just need to call your bank's contact center and find out where it is located.

The bank will give you a list of documents for state support for a mortgage. A sample list is presented below:

1. An application form with a mandatory indication of the reason for providing you with assistance from the state (decrease in income, layoff, maternity leave, etc.).
2. Passports, birth certificates of minors of all family members.
3. Marriage certificate (if the marriage is registered).
4. Certificate of divorce, change of full name, parents and children, parental agreement on the child’s residence with one of the parents (if required).
5. A decision of the guardianship authorities or a court decision to establish guardianship (for guardians and trustees).
6. Combat Veteran Certificate (for veterans).
7. Documents on disability of the borrower or co-borrower or their children.
8. Birth certificate for dependent persons under 24 years of age.
9. Certificate of family composition to confirm the residence of a dependent under 24 years of age with the borrower/co-borrower.
10. A certificate from an educational institution stating that a child under 24 years of age who is a dependent of the borrower/co-borrower is studying full-time.
11. Notice from the Pension Fund that a dependent person under 24 years of age does not have independent labor income.
12. A certified copy of the borrower/co-borrower’s work record.
13. Official certificate of employment (for military or law enforcement officers).
14. Certificate of registration of individual entrepreneurs (for individual entrepreneurs).
15. Order of the Ministry of Justice of Russia on appointment as a notary (for notaries).
16. Work record book and/or expired employment contract for the unemployed.
17. Document on registration with the employment service (for unemployed people).
18. Notification of the pension fund about the status of the personal account of the insured person (for everyone).
19. Certificate from the Federal Social Insurance Fund of the Russian Federation about income due to temporary disability, benefits and other payments.
20. Certificate of income in form 2 of personal income tax or in the form of a bank from all family members.
21. Bank certificate on the total family income (provided by the bank).
22. Tax returns, patents, etc.
23. Certificate of pension amount for pensioners.
24. Loan agreement
25. Mortgage note (if issued, it is in the bank).
26. Application from borrowers about the availability of real estate in Russia.
27. Equity participation agreement (for a mortgage on a new building).
28. Mortgage collateral valuation agreement.
29. Technical/cadastral passport for residential premises.
30. Mortgage payment schedule.

The list is quite impressive and will make you run a little, but it's worth it. The only point that is quite difficult is extracts from the Unified State Register of Real Estate. They cost money. One extract on property rights throughout Russia is 1,500 rubles per person and no one will return it to you if you refuse. Last time there were a lot of complaints about this. As of August 11, 2017, the requirement to have an extract from the Unified State Register has been cancelled. The bank has no right to demand it. AHML independently requests it.

After a complete list of documents is provided to the bank, the responsible employee must send them to AHML for verification. On average, it lasts 30 days, but feedback from participants indicates that it can last up to six months. The bank and AHML request additional documents at their discretion.

When AHML makes a positive decision, the bank will notify you of the date of the meeting. Next, you will need to sign a new payment schedule, a new PSK document, enter into a restructuring agreement (additional agreement to the mortgage agreement), and an agreement on changes to the terms of the mortgage. Next, you will need to wait from 2 to 4 weeks, when the mortgage will be requested from the bank’s archives. After this, it is necessary, together with a complete package of loan documents and an agreement on changes to the terms of the mortgage (be sure to make copies), to visit the justice system for state registration of changes.

The process is similar at Gazprombank. VTB 24 closes your mortgage and issues a new loan for a smaller amount, which means that you again have to pay for insurance and appraisal.

There is no charge for mortgage restructuring. Carrying out this procedure does not relieve you from paying the monthly payment and insurance premiums stipulated by the contract.

The program of assistance to mortgage borrowers organized by the Agency for Housing Mortgage Lending (AHML) in 2017, according to the latest news, has been extended and has undergone some changes. Let's look at its basic conditions, as well as who and how it can help.

The Housing Mortgage Lending Agency is a state company whose main goal is to provide citizens of the Russian Federation with comfortable and affordable housing. Among the services provided, in addition to the borrower assistance program, are mortgage lending on the primary and secondary housing market, preferential mortgages in Moscow and the regions, services for holding land auctions and leasing real estate.

The mortgage assistance program is designed to provide financial support to certain categories of borrowers experiencing difficulties in repaying their mortgage. According to the latest news, in 2017, by decision of the government, the activities of AHML in this area were continued and additional funds in the amount of 2 billion rubles were allocated for these needs in August.

Specifically provided for by the terms of the program:

The foreign currency borrower is given a choice: writing off 30% of the debt or converting it into Russian rubles at a lower exchange rate. When introducing the AHML mortgage program, the bank does not have the right to charge an individual any fees related to changes in the terms of the mortgage, or to shorten the term of the loan agreement.

What are the conditions for providing assistance?

Participation in the assistance program is available to the following categories of borrowers:

A number of the borrower’s housing that are the subject of a mortgage are also presented. Thus, the area of ​​a 1-room apartment should not exceed 45 m², a 2-room apartment is limited to 65 m², and if the mortgaged property has 3 or more living rooms, then the area limitation will be 85 m². In addition, the mortgaged apartment must be the only housing owned by the borrower. But AHML, under the terms of the assistance program, allows for a share not exceeding 50% of any other property that is collectively owned.

Requirements to financial condition of an individual are:

The latest conditions for participation in the assistance program for mortgage borrowers are: requirements for the contract. The transaction must be concluded at least 12 months before applying to AHML. The exception is contracts for which the statute of limitations is not regulated.

What is needed for registration

To participate in the program, you must contact directly the bank that issued the mortgage (or which currently owns it). You must submit the entire list of documents listed below. The application for assistance will be reviewed by the financial institution and the results will be communicated to the borrower. In special cases, a special interdepartmental commission may be created.

The list of required documents includes:

According to the latest news, the bank does not need to prove the uniqueness of the collateral housing. AHML independently provides this information. More detailed information can be found on the official website of the Agency.

If you are entitled to help from AHML, then be sure to take advantage of it. The program has already helped more than 1,000 families when difficulties arise with repaying a mortgage loan, making life easier for the borrower and his family.

​The growth of problem debt on mortgage loans, provoked by a sharp fall in the ruble exchange rate at the end of 2014, problems in the foreign currency mortgage market and crisis phenomena in the economy as a whole led to the need for the Russian Government to develop a special program to help mortgage borrowers. The federal program operating during 2016-2017 was approved in 2015 and is implemented through AHML (EIZHS).

Conditions for receiving financial assistance

To be able to receive financial assistance, the borrower must satisfy the entire set of conditions:

1. Belonging to the categories of citizens covered by the Program: persons with a minor child or a disabled child, including those under guardianship or trusteeship, as well as military veterans and disabled people.
2. At least a 30% reduction in income on any home mortgage or a 30% increase in payments on a foreign currency mortgage. For comparison, we take 3-month periods preceding the date of the loan (one period) and the date of application for restructuring (second comparative period). To compare payments on a foreign currency mortgage, payments are taken into account on the date of application for financial assistance and on the date of the loan, and both payments for calculation purposes are converted into rubles at the Central Bank exchange rate on the corresponding date. To provide assistance, data for the last 3 months on the level of family income per each family member is also taken into account, based on the cost of living in the region. If the income for each family member exceeds 2 times the subsistence level, then support will not be provided.
3. Obtaining a mortgage loan (drawing out an agreement) at least 12 months before the date of filing an application for financial assistance. The currency of the loan does not matter.
4. Submitting an application and the established package of documents to the bank where the loan was issued, and the bank must be a participant in the program.

Special conditions apply to mortgaged housing:

1. The program covers any mortgaged residential premises, including objects that are subject to the right of claim under a shared participation agreement in construction.
2. Mortgage housing must have the status of the only home for the borrower. This condition corresponds to a situation in which the borrower (mortgagor) and his family members have an aggregate share in the ownership of other housing not exceeding 50% in each residential property.
3. Mortgage housing cannot exceed a total area of ​​45 m2 for one-room housing, 65 m2 for a 2-room apartment or house, 85 m2 if there are 3 or more living rooms.
4. The cost of 1 m 2 of a residential property with a mortgage cannot exceed the cost of 1 m 2 of a standard apartment on the secondary or primary market (depending on the relevant status of the mortgaged housing) by more than 60%. The calculation takes into account the regional residential real estate market and information on the cost according to Rosstat on the date of registration of the mortgage.
5. For families with three or more children, the requirements for the cost and area of ​​mortgage housing do not apply.

For the possibility of receiving financial assistance, the amount of debt (overdue) on the mortgage and the facts of the borrower’s participation in previous restructurings do not matter.

Where to apply for financial assistance

Despite the fact that the program is being implemented through the EIRA, and it also provides funding, interaction with the borrower is carried out exclusively through the lending bank.

You must apply for financial assistance to the bank where the loan was issued, or to the successor bank, which has assumed the corresponding rights as a creditor. The latter is possible if, for example, the bank where the mortgage was issued was deprived of its license and its rights were transferred to another bank. A prerequisite is the participation of the creditor bank in the program. It is important to take into account here that out of more than half a thousand operating credit institutions, only about 85 banks are currently participants in the program.

The program places within the competence of banks the independent establishment of deadlines and a specific package of documents for borrowers wishing to take advantage of state support for mortgages. The exception is mandatory documents, the requirement for submission of which is established at the state level. Their list can be expanded, but cannot be reduced.

List of required documents

A mandatory list of documents serves to confirm the borrower’s right to participate in the program, compliance with its conditions and receipt of financial assistance in a certain amount.

The general package of documents includes:

1. An application prepared in accordance with the prescribed form. The form and sample application can be obtained from the bank, but often it is drawn up by the manager there.
2. Documents confirming that the borrower belongs to the category of persons entitled to receive assistance (child’s birth certificate, disability certificate, veteran’s certificate, etc.).
3. Documents confirming the financial conditions for receiving assistance: a copy of the work book (agreement), a certificate from the employer, a document confirming registration as unemployed, a certificate of income according to the tax authority, the Pension Fund or social insurance, tax returns or any other documents that can officially confirm income level at the time of concluding the loan agreement, at the date of application for restructuring and, in general, witness a drop in income level by 30%.
4. Documents on the loan and collateral - a copy of the agreement, a bank certificate, a payment schedule, a report on the assessment of the collateral as of the date of conclusion of the loan agreement or a copy of the purchase and sale agreement for mortgage real estate, etc.
5. Extracts from the state register of rights to real estate and transactions, which are designed to confirm the status of the pledge, data on real estate, the presence/absence of other residential properties, footage of residential properties and other data. Documents from the state register must concern all residential property owned by the borrower and his family members, and not just mortgages. The validity of the statements is 90 days until they are submitted along with the application for financial assistance, and for mortgage housing - one month.
6. A copy of the agreement on shared participation in construction (if the subject of the mortgage is the housing for which the borrower is applying under such an agreement).
7. Documents (agreement, new loan agreement, amendments to it) concerning the terms of the mortgage loan restructuring, as well as a new payment schedule based on such conditions.

The specific list of documents must be clarified with the creditor bank and be guided by the agreed terms of restructuring. The initial check of the documentary package is carried out by the bank, and it is formally responsible for its completeness.

Amounts and forms of support

The final conditions for restructuring a mortgage loan as part of participation in the state support program are determined by the bank and the borrower. It is very important that the borrower is given the right to independently determine the form of financial assistance provided to him- a one-time write-off of a certain amount of debt or a reduction in the amount of the monthly obligatory loan payment by at least half and for a period of up to 18 months. In addition to these possibilities, for foreign currency loans it is possible to convert them into ruble mortgages at a lower rate than the official one on the date of registration of the restructuring.

Maximum allowable amount of financial assistance- reduction of debt obligations by 10% of the debt balance, but the allocated amount of assistance per borrower cannot exceed 600 thousand rubles. In addition, the program provides for a reduction in the interest rate on foreign currency mortgages to at least 12% per annum for the entire remaining period of the loan agreement, and on ruble mortgages - to the rate in effect on the date of registration of the restructuring. An upward revision of the rate is allowed only in case of significant violations by the borrower of the terms of the agreement.

There are no charges from the borrower for participation in the financial assistance program, in the form of commissions or other bank payments. Formally, everything is done free of charge.

Governmental support- the amount of financing that the state undertakes and pays to the bank from budget funds. The borrower's participation in the state program does not limit the bank's ability to provide more favorable and favorable conditions for the borrower. Thus, the actual terms of the restructuring may well be more favorable than those provided for by the program. The possibility of supplementing the banking restructuring program offered to the borrower with government support cannot be ruled out. Basically, some relief for the debtor may relate to writing off accrued penalties, reducing the interest rate to lower values ​​than established by the program, establishing credit holidays with deferred payment of the principal debt, revising the payment schedule, etc. What is strictly limited by the terms of the program cannot be reduced or increased. The borrower cannot be completely released from its obligations, and the bank can limit itself only to what is provided as part of state support. Many lending institutions do just that.

It should be noted that financial assistance concerns only loan payments and does not apply to other obligations of the borrower, for example, those related to making insurance payments.

If you have any questions about the AHML mortgage borrower assistance program, our on-duty online lawyer is ready to answer them promptly.

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