The next year, about 120,000 people may have trouble servicing mortgage loans

According to the calculations of the Agency for Housing Mortgage Lending in the next year about 120 thousand people may face problems in servicing mortgage loans. HMLA now considering options for their refinancing. The banks plan to issue new loans to repay existing order debtors who lost their jobs. What will it take to receive the promised state deferred mortgage?! The scheme of restructuring mortgages still being developed. Support for borrowers who lost their jobs early next year will HMLA. Or rather his daughter - Agency for Restructuring of mortgage loans. His yet to be established. In order to give respite to the mortgage borrower will have to prove it - the financial situation really deteriorated. The Bank will require notification of the reduction of employment or a certificate of reduction of wages, a statement of registration at the employment service, a document certifying that the shelter - only to the debtor. Comments company president Nyubilding Investment Sergey Bessonov: "Will consider those with monthly income fell to an annuity, plus the cost of living for each family member. For example, the family received 60,000 rubles, and the loan payment they have 30 thousand rubles. Suppose that the cost of at least in the region of 3000 rubles, that if people have declined to pay 60,000 rubles to 30,000 plus 3,000 for each family member, in this case, according to HMLA a family is entitled to state support. " But perhaps the major factor in obtaining state support would be a good credit history of borrowers. If he regularly paid on the mortgage, the chances of restructuring of debt are high. Does not even matter - how much money he would have dovnosit later. For the bank, it is still cheaper than, for example, recognize the borrower's bankruptcy and a court to require mortgaged apartment. Such processes last year. A bank needs money now. Moreover, that the apartment can be much cheaper - said in an interview Business FM Head of Credit online-operator ProCredit.ru Ivan Zakharov: "Even in the case of levying real estate, if we look at forecasts property prices, the bank will not return his money. By current transaction on December 1 st 30% price reduction was in real estate in Moscow. In March, is expected somewhere in 50-60% of the price of this spring 2008. Credit, which issued the bank regains, God forbid, 30-40 percent " . Restructure the mortgage loans will be issued prior to December 1 this year. HMLA will buy from banks at a discount and are not distressed assets. Or replace the defaulted loans on bonds agency, bets on who will be significantly lower. In 2009, the MOF plans to HMLA 200 billion rubles for the repayment of mortgage loans. Meanwhile, housing prices continue to fall.