Those borrowers who received loans for the calculation of mortgage loans from the Agency for Restructuring of residential mortgage loans (ARIZHK), the rate will be reduced from 13 to 5.7%. But this would only apply in good faith, disciplined borrowers, the newspaper Kommersant. In order to be able to pay a stabilization loan ARIZHK on low rates, you must comply with certain conditions. Within 6 months should not be allowed delinquency. But "if, after lowering interest rates allow a borrower to repay outstanding debt stabilization loan, the rate will be returned to its previous level," said CEO Andrew ARIZHK languages. Recall that ARIZHK belongs to the Agency for Housing Mortgage Lending (HMLA). This structure has officially earned since February 16 last year. The agency was created to normalize the situation with mortgage debt. If a person can prove that his pay reduced because of the crisis, he may apply to this agency. ARIZHK gives the borrower a stabilization loan of up to 12 months at a rate equal to the one he had already paid on your mortgage. During the year the borrower repays only the interest on the loan ARIZHK, and after the restructuring period begins to pay himself a mortgage or loan ARIZHK, the newspaper reminds. Now ARIZHK rescheduled more than 5,5 thousand of mortgage loans totaling more than 8,5 billion rubles. Of these, nearly 90% do not have arrears on interest payments, according to languages. "We decided to ease conditions for disciplined borrowers, so that after the restructuring of the debt burden on them was less," - he explained. "We give a signal to the market and hope that banks will review the conditions of restructured loans," - added the head ARIZHK. However, as evidenced by comments of market participants to make any concessions to borrowers on restructured loans to Russian banks will not go. ARIZHK uses budget funds, and banks - depositors' funds, so about any indulgences can not be considered.
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