Chelsea Just from the bank, they just received a letter, no one understands anything, but they told me to bring the documents, tomorrow I hand them over August 22, 2017, 11:23 Copies of insurance are still needed Olya-la-Ya Has anyone gone to VTB24 or will they? mamumlik Good afternoon! write how you go. Today they “didn’t accept” me at Piskunov... they said that only for foreign currency or those whose payments have increased... they couldn’t prove that we are suitable either: (my copy of the work is not ready yet, I’ll go, at best, on Friday. . But I’m really looking forward to your comments on tomorrow’s campaign. And where are you going, also to Gesundheit mamumlik, and on what basis can it increase (except for currency)? I agree, it’s nonsense... Mommy of daughters, I wonder if Sberbank? doesn’t accept documents for Piskunov, so in other departments our documents will simply be thrown away... mamumlik I was surprised...
New program to help mortgage borrowers - new conditions
Attention
Comment By Government Order No. 1579-r dated July 25, 2018, budgetary allocations in the amount of 2 billion rubles were allocated from the Government Reserve Fund to the Russian Ministry of Construction for contributions to the authorized capital of the Housing Mortgage Lending Agency JSC (AHML JSC) for the purpose of implementing the program. The signed resolution specifies the basic conditions for the implementation of the program.
It is envisaged that the Russian Ministry of Construction will create an interdepartmental commission that will be able to make decisions, including on increasing the amount of compensation to borrowers. The changes made to the basic conditions will allow the continuation of the program and the restructuring of at least 1.3 thousand.
mortgage housing loans (loans) for certain categories of borrowers.
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Russian Federation, or a pledge of rights of claim to such residential premises arising from an agreement for participation in shared construction that meets the requirements Federal Law“On participation in shared construction apartment buildings and other real estate objects and on amendments to certain legislative acts of the Russian Federation" (hereinafter referred to as the agreement for participation in shared construction); G) total area residential premises, including residential premises, the right of claim to which arises from an agreement for participation in shared construction, the mortgage of which is security for the fulfillment of the borrower’s obligations under the credit agreement (loan agreement), does not exceed 45 sq. meters - for a room with 1 living room, 65 sq. meters - for a room with 2 living rooms, 85 sq.
Olya-la-Ya I just went to VTB24 to see Dzerzhinsky, they don’t know anything about this program. They didn’t have a release) So, we’re waiting for the information to be sent down to them. I asked about the assessment report, she said that it should be requested in the archive, 100 rubles/sheet. It’s easier to make a new one..
She said not to collect anything yet.. Lena-Elena The size of the planned monthly payment on the loan (loan), calculated on the date preceding the date of filing the application for restructuring, increased by at least 30 percent compared to the size of the planned monthly payment, calculated on the date of conclusion credit agreement (loan agreement). How to understand this? 999koshka Called AHML by phone hotline: 8 800 505 11 11, to clarify who will still accept the documents, they said, wait for August 22, all the information will appear on the website, and a special phone number for all consultations on this program.
961 government decree what documents to collect
- Mortgage Borrower Assistance Program
- Resolution 961-PP On the metro construction plan in the city of Moscow for 2008 - 2010
- Resolution of November 9, 2018 no. 961
- Russian government
- Russian government
- On the further implementation of the program of assistance to certain categories of borrowers on mortgage housing loans who find themselves in a difficult financial situation
- Document
- Comment
- Decree of the Government of the Russian Federation of August 11, 2018
- Documents for resolution 961
- AHML Mortgage Borrower Assistance Program
- AHML Mortgage Borrower Assistance Program
- Conditions for participation in the program
- How to get financial assistance
Assistance program for mortgage borrowers 45 sq. meters - for a room with 1 living room; 65 sq.
Info
Mortgage restructuring mechanism After the restructuring, the rate on foreign currency mortgages will be no more than 11.5%, and ruble mortgages will not be higher than the rate on the date of restructuring. The borrower can choose in what form to receive assistance from the state:
- in the case of a foreign currency mortgage, convert it into rubles at a rate lower than the rate of the Bank of Russia at the time of concluding the restructuring agreement;
- one-time write-off of part of the debt.
When carrying out a restructuring, the lender does not charge any fees.
Restructuring is carried out by decision of the creditor bank. If the bank makes a positive decision, the issue of restructuring is then decided by AHML.
Important
And the documents will definitely be accepted by Sberbank, and then transferred to AHML, but which branch, where and what will be published on August 22. Chelsea Thank you August 17, 2017, 3:23 pm Quote: Lena-Elena from August 17, 2017, 2:46 pm The amount of the planned monthly loan payment calculated for the date preceding the date of filing the restructuring application has increased by at least 30 percent compared to the size of the planned monthly payment calculated on the date of conclusion of the credit agreement (loan agreement). How to understand this? This is for Foreign Currency Mortgages. In general, I am shocked that large families have been removed.
We don't fit into squares. 999koshka There is also an option that if you do not meet no more than 2 conditions, you will be considered by a special commission. (Clause 9 in the resolution) So there is a chance, we also have one condition not met.
RUSSIAN FEDERATION RESOLUTION of August 11, 2017 N 961 ON THE FURTHER IMPLEMENTATION OF THE ASSISTANCE PROGRAM FOR SPECIFIC CATEGORIES OF BORROWERS ON HOUSING MORTGAGE LOANS (LOANS) FINDING IN A DIFFICULT FINANCIAL SITUATION The Government of the Russian Federation decides : 1.
Approve the attached changes that are being made to the main conditions for the implementation of the assistance program for certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation, approved by Decree of the Government of the Russian Federation of April 20, 2015 N 373 “On the main conditions for the implementation of the assistance program for individual categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation, and an increase authorized capital Joint Stock Company "Housing Mortgage Lending Agency" (Collected Legislation of the Russian Federation, 2015, No. 17, Art.
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by the Central Bank of the Russian Federation on the date of concluding the restructuring agreement (for credits (loans) denominated in foreign currency); d) exemption of the borrower (joint and several debtors) from paying the penalty accrued under the terms of the credit agreement (loan agreement), with the exception of the penalty actually paid by the borrower (joint and several debtors) and (or) collected on the basis of a court decision that has entered into legal force. 11. When concluding a restructuring agreement, it is not allowed to reduce the terms of mortgage housing loans (loans) and (or) charge the creditor from the borrower (joint and several debtors) of a commission for actions related to the restructuring.
GOVERNMENT OF THE RUSSIAN FEDERATION
RESOLUTION
ABOUT FURTHER IMPLEMENTATION
IN A DIFFICULT FINANCIAL SITUATION
The Government of the Russian Federation decides:
1. Approve the attached changes that are being made to the main conditions for the implementation of the program of assistance to certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation, approved by Decree of the Government of the Russian Federation of April 20, 2015 N 373 “On the main conditions for the implementation of the program assistance to certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation, and increasing the authorized capital of the joint-stock company "Housing Mortgage Lending Agency" (Collected Legislation of the Russian Federation, 2015, N 17, Art. 2567; N 50, Art. 7179; 2016, No. 50, Art. 7089; 2017, No. 1245).
2. To the Ministry of Construction and Housing and Communal Services of the Russian Federation:
before September 1, 2017, create an interdepartmental commission to make decisions on compensation to creditors (lenders) for mortgage housing loans (loans), mortgage agents operating in accordance with the Federal Law "On Mortgage securities", for residential mortgage loans (loans), the rights of claim for which were acquired by mortgage agents, and the joint-stock company "House Mortgage Lending Agency" for mortgage housing loans (loans), the rights of claim for which were acquired by this company, losses (parts thereof) incurred as a result of the restructuring of housing mortgage loans (loans) in accordance with the terms of the assistance program for certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation, approve the regulations on the said commission, the composition and procedure for its work;
send to the joint stock company "Housing Mortgage Lending Agency" in the prescribed manner funds in the amount of 2 billion rubles in accordance with the order of the Government of the Russian Federation dated July 25, 2017 N 1579-r as a contribution to the authorized capital of the joint stock company "Housing Mortgage Lending Agency " for the purpose of compensation for losses (part of them) to creditors (lenders) for residential mortgage loans (loans), mortgage agents operating in accordance with the Federal Law “On Mortgage Securities”, for residential mortgage loans (loans), the rights of claim for which acquired by mortgage agents, and the joint stock company "Housing Mortgage Lending Agency" for residential mortgage loans (loans), the rights of claim for which were acquired by this company, in the event that these mortgage housing loans (loans) are restructured in accordance with the terms of the assistance program for certain categories of borrowers for mortgage housing loans (loans) that find themselves in a difficult financial situation.
3. The Federal Agency for State Property Management shall ensure, in the prescribed manner, an increase in the authorized capital of the joint-stock company "Housing Mortgage Lending Agency" by 2 billion rubles by placing additional shares and carry out actions related to the acquisition of these shares and registration of ownership of them by the Russian Federation, in accordance with a tripartite agreement between the Ministry of Construction and Housing and Communal Services of the Russian Federation, the Federal Agency for State Property Management and the joint-stock company "Housing Mortgage Lending Agency".
4. To recommend to the joint stock company "Housing Mortgage Lending Agency" before increasing the authorized capital in accordance with paragraph three of paragraph 2 and paragraph 3 of this resolution to direct its own funds in the amount of no more than 500 million rubles to reimburse creditors (lenders) for residential mortgage loans ( loans), mortgage agents operating in accordance with the Federal Law "On Mortgage Securities", for residential mortgage loans (loans), the rights of claim for which were acquired by mortgage agents, losses (parts thereof) arising as a result of restructuring under the terms of the program assistance to certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation, and to allow the funds received in accordance with paragraph three of paragraph 2 of this resolution to be used to reimburse the costs of the joint-stock company "Housing Mortgage Lending Agency" incurred during the implementation of the assistance program certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation, in accordance with this paragraph.
5. If borrowers’ applications for restructuring of housing mortgage loans (loans) were received before the entry into force of this resolution, but were not satisfied, compensation for losses (part thereof) to creditors (lenders) for housing mortgage loans (loans), mortgage agents carrying out activities in accordance with the Federal Law "On Mortgage Securities", for residential mortgage loans (loans), the rights of claim for which were acquired by mortgage agents, and the joint-stock company "House Mortgage Lending Agency" for housing mortgage loans (loans), the rights of claim for which acquired by this company, can be carried out in the event of a repeated application by the borrower, subject to compliance with the basic conditions for the implementation of the program of assistance to certain categories of borrowers for mortgage housing loans (loans) who find themselves in a difficult financial situation, as amended by this resolution.
Chairman of the Government
Russian Federation
D.MEDVEDEV
Approved
Government resolution
Russian Federation
CHANGES,
WHICH ARE INTRODUCED TO THE BASIC CONDITIONS OF IMPLEMENTATION
FOR HOUSING MORTGAGE LOANS (LOANS) PROVIDED
IN A DIFFICULT FINANCIAL SITUATION
The main conditions for the implementation of the assistance program for certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation are stated as follows:
"Approved
Government resolution
Russian Federation
(as amended by the resolution
Government of the Russian Federation
BASIC TERMS
FOR HOUSING MORTGAGE LOANS (LOANS) PROVIDED
IN A DIFFICULT FINANCIAL SITUATION
1. The main conditions for the implementation of the program of assistance to certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation (hereinafter referred to as the program) determine the conditions for the restructuring of housing mortgage loans (loans) for certain categories of borrowers who find themselves in a difficult financial situation, and also the conditions for compensation to creditors (lenders) for residential mortgage loans (loans), mortgage agents operating in accordance with the Federal Law “On Mortgage Securities”, for residential mortgage loans (loans), the rights of claim for which were acquired by mortgage agents, and joint stock to the company "Housing Mortgage Lending Agency" for residential mortgage loans (loans), the rights of claim for which were acquired by this company, losses (parts thereof) arising as a result of such restructuring (hereinafter referred to as lender, borrower, compensation, restructuring, respectively).
2. Reimbursement under the program is carried out one-time for mortgage housing loans (loans) restructured in accordance with this document, in the manner established by the joint-stock company "Housing Mortgage Lending Agency", published on its official website on the Internet information and telecommunication network.
3. Losses (part thereof) of the creditor for each mortgage housing loan (loan) restructured in accordance with this document are subject to compensation in the amount by which, as a result of restructuring in the cases provided for in subparagraph "c" of paragraph 10 of this document, the amount of monetary obligations of the borrower under the credit agreement (loan agreement), but not more than the maximum amount of compensation established by clause 6 taking into account clause 7 of this document.
4. Reimbursement under the program is carried out within cash provided for the implementation of the program.
5. Restructuring is carried out on the basis of the creditor’s decision on the application for restructuring submitted by the borrower to the creditor (hereinafter referred to as the application for restructuring).
Restructuring can be carried out by concluding an agreement between the creditor and the borrower (joint and several debtors) to change the terms of a previously concluded credit agreement (loan agreement), concluding a new credit agreement (loan agreement) for the purpose of full repayment of debt on a restructured mortgage loan (loan), concluding a settlement agreement (hereinafter referred to as the restructuring agreement). The terms of the restructuring agreement must comply with the requirements established by paragraph 10 of this document.
6. The maximum amount of compensation for each restructured mortgage housing loan (loan) is 30 percent of the balance of the loan (loan) calculated as of the date of conclusion of the restructuring agreement, but not more than 1,500 thousand rubles, except for the cases provided for in paragraph 7 of this document.
7. In accordance with the decision of the interdepartmental commission for making decisions on compensation to creditors (lenders) for residential mortgage loans (loans), mortgage agents operating in accordance with the Federal Law “On Mortgage Securities” for residential mortgage loans (loans), the rights of claim for which were acquired by mortgage agents, and the joint stock company "House Mortgage Lending Agency" for housing mortgage loans (loans), the rights of claim for which were acquired by this company, losses (part of them) arising as a result of the restructuring of housing mortgage loans (loans) in in accordance with the terms of the program (hereinafter referred to as the interdepartmental commission), the maximum amount of compensation for each restructured mortgage housing loan (loan) based on the corresponding application of the creditor to the interdepartmental commission can be increased, but not more than 2 times, in the manner prescribed by the regulations on the interdepartmental commission commissions.
8. Unless otherwise provided by this document, as of the date of filing the application for restructuring must be simultaneously complied with following conditions:
a) the borrower (joint and several debtors) is a citizen of the Russian Federation belonging to one of the following categories:
citizens who have one or more minor children or are guardians (trustees) of one or more minor children;
citizens who are disabled or have disabled children;
citizens who are combat veterans;
b) change financial situation borrower (joint and several debtors) - the average monthly total income of the family of the borrower (joint and several debtors), calculated for 3 months preceding the date of filing the application for restructuring, after deducting the amount of the planned monthly payment on the loan (loan), calculated for the date preceding the date of filing the application for restructuring , does not exceed twice the amount for each family member of the borrower (joint and several debtor) living wage established in the constituent entities of the Russian Federation in whose territory the persons whose income was taken into account in the calculation live. At the same time, the average monthly total income of the family of the borrower (joint and several debtors) in billing period equal to the sum of the average monthly income of the borrower (joint and several debtors) and his family members, which for the purposes of this subclause include the spouse of the borrower (joint and several debtor) and his minor children, including those under his guardianship or trusteeship, as well as persons indicated in paragraph five of subparagraph "a" of this paragraph, and the amount of the planned monthly payment on the loan (loan), calculated on the date preceding the date of filing the application for restructuring, increased by at least 30 percent compared to the amount of the planned monthly payment, calculated on the date concluding a credit agreement (loan agreement);
c) security for the fulfillment of the borrower's obligations under a credit agreement (loan agreement) is a mortgage of a residential premises located on the territory of the Russian Federation, or a pledge of rights of claim to such residential premises arising from an agreement for participation in shared construction that meets the requirements of the Federal Law "On Participation in Shared Construction" construction of apartment buildings and other real estate objects and on amendments to certain legislative acts of the Russian Federation" (hereinafter referred to as the agreement for participation in shared construction);
d) the total area of residential premises, including residential premises, the right of claim to which arises from an agreement for participation in shared construction, the mortgage of which is security for the fulfillment of the borrower’s obligations under the credit agreement (loan agreement), does not exceed 45 square meters. meters - for a room with 1 living room, 65 sq. meters - for a room with 2 living rooms, 85 sq. meters - for a room with 3 or more living rooms;
e) residential premises, including residential premises, the right of claim to which arises from an agreement for participation in shared construction, the mortgage of which is security for the fulfillment of the borrower’s obligations under the credit agreement (loan agreement), is (will be) the only housing of the mortgagor. At the same time, in the period starting from the date of entry into force of the Decree of the Government of the Russian Federation of April 20, 2015 N 373 “On the main conditions for the implementation of the program of assistance to certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation, and an increase in the authorized capital of the joint-stock company "Agency for Housing Mortgage Lending" on the date the borrower submits an application for restructuring, it is allowed to have a total share of the mortgagor and his family members in the ownership of no more than 1 other residential premises in the amount of no more than 50 percent. For the purposes of this subparagraph j. members of the mortgagor's family include the mortgagor's spouse and his minor children, including those under his guardianship or trusteeship. Compliance with these conditions is confirmed by a simple written application from the borrower. The borrower is not required to submit information from the Unified State Register of Real Estate. mortgage housing lending" checks the information provided by the borrower in accordance with this subparagraph;
f) the credit agreement (loan agreement) was concluded at least 12 months before the date the borrower submitted the application for restructuring, unless mortgage loan(loan) was provided for the purpose of full repayment of debt on a residential mortgage loan (loan) provided at least 12 months before the date the borrower submitted an application for restructuring.
9. In case of non-compliance with no more than two conditions provided for in paragraph 8 of this document, payment of compensation under the program is allowed in accordance with the decision of the interdepartmental commission in the manner prescribed by the regulations on the interdepartmental commission.
10. The restructuring agreement must simultaneously provide for the following conditions:
a) changing the currency of the credit (loan) from foreign currency to Russian rubles at a rate not higher than the rate of the corresponding currency established by the Central Bank of the Russian Federation as of the date of conclusion of the restructuring agreement (for credits (loans) denominated in foreign currency);
b) setting the lending rate not higher than 11.5 percent per annum (for credits (loans) denominated in foreign currency) or not higher than the rate in effect on the date of concluding the restructuring agreement (for credits (loans) denominated in Russian rubles);
c) reduction of the monetary obligations of the borrower (joint and several debtors) in the amount of not less than the maximum amount of compensation established by paragraph 6 taking into account paragraph 7 of this document, due to a one-time forgiveness of part of the credit (loan) amount and (or) changing the currency of the credit (loan) from a foreign one currencies for Russian rubles at a rate lower than the rate of the corresponding currency established by the Central Bank of the Russian Federation on the date of conclusion of the restructuring agreement (for credits (loans) denominated in foreign currency);
d) exemption of the borrower (joint and several debtors) from paying the penalty accrued under the terms of the credit agreement (loan agreement), with the exception of the penalty actually paid by the borrower (joint and several debtors) and (or) collected on the basis of a court decision that has entered into legal force.
11. When concluding a restructuring agreement, it is not allowed to reduce the terms of mortgage housing loans (loans) and (or) charge the creditor from the borrower (joint and several debtors) of a commission for actions related to the restructuring.
12. All payments under the program are carried out in Russian rubles at the rate of the corresponding currency established by the Central Bank of the Russian Federation on the date of conclusion of the restructuring agreement (for credits (loans) denominated in foreign currency).
Before sending an electronic appeal to the Ministry of Construction of Russia, please read the rules of operation of this interactive service set out below.
1. Electronic applications within the sphere of competence of the Ministry of Construction of Russia, filled out in accordance with the attached form, are accepted for consideration.
2. An electronic appeal may contain a statement, complaint, proposal or request.
3. Electronic appeals sent through the official Internet portal of the Ministry of Construction of Russia are submitted for consideration to the department for working with citizens' appeals. The Ministry ensures objective, comprehensive and timely consideration of applications. Review of electronic appeals is free of charge.
4. In accordance with Federal Law No. 59-FZ dated May 2, 2006 “On the procedure for considering appeals from citizens of the Russian Federation,” electronic appeals are registered within three days and are sent, depending on the content, to the structural divisions of the Ministry. The appeal is considered within 30 days from the date of registration. An electronic appeal containing issues the solution of which is not within the competence of the Ministry of Construction of Russia is sent within seven days from the date of registration to the relevant body or the relevant official whose competence includes resolving the issues raised in the appeal, with notification of this to the citizen who sent the appeal.
5. Electronic appeal is not considered if:
- absence of the applicant’s surname and name;
- indication of an incomplete or unreliable postal address;
- the presence of obscene or offensive expressions in the text;
- presence in the text of a threat to life, health and property official, as well as members of his family;
- using a non-Cyrillic keyboard layout or only capital letters when typing;
- absence of punctuation marks in the text, presence of incomprehensible abbreviations;
- the presence in the text of a question to which the applicant has already been given a written answer on the merits in connection with previously sent appeals.
6. The response to the applicant is sent to the postal address specified when filling out the form.
7. When considering an appeal, disclosure of information contained in the appeal, as well as information relating to the private life of a citizen, is not permitted without his consent. Information about applicants’ personal data is stored and processed in compliance with the requirements of Russian legislation on personal data.
8. Appeals received through the site are summarized and presented to the leadership of the Ministry for information. Answers to the most frequently asked questions are periodically published in the sections “for residents” and “for specialists”
Decree of the Government of the Russian Federation of August 11, 2017 N 961
"On the further implementation of the program of assistance to certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation"
The Government of the Russian Federation decides:
1. Approve the attached changes that are being made to the main conditions for the implementation of the program of assistance to certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation, approved by Decree of the Government of the Russian Federation of April 20, 2015 N 373 “On the main conditions for the implementation of the program assistance to certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation, and increasing the authorized capital of the joint-stock company "Housing Mortgage Lending Agency" (Collected Legislation of the Russian Federation, 2015, N 17, Art. 2567; N 50, Art. 7179; 2016, No. 50, Art. 7089; 2017, No. 1245).
2. To the Ministry of Construction and Housing and Communal Services of the Russian Federation:
before September 1, 2017, create an interdepartmental commission to make decisions on compensation to creditors (lenders) for residential mortgage loans (loans), mortgage agents operating in accordance with the Federal Law "On Mortgage Securities" for residential mortgage loans (loans) , the rights of claim for which were acquired by mortgage agents, and the joint stock company "House Mortgage Lending Agency" for housing mortgage loans (loans), the rights of claim for which were acquired by this company, losses (part of them) arising as a result of the restructuring of housing mortgage loans (loans) in accordance with the terms of the assistance program for certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation, approve the regulations on the said commission, the composition and procedure for its work;
send to the joint stock company "Housing Mortgage Lending Agency" in the prescribed manner funds in the amount of 2 billion rubles in accordance with the order of the Government of the Russian Federation dated July 25, 2017 N 1579-r as a contribution to the authorized capital of the joint stock company "Housing Mortgage Lending Agency " for the purpose of compensation for losses (part of them) to creditors (lenders) for residential mortgage loans (loans), mortgage agents operating in accordance with the Federal Law “On Mortgage Securities”, for residential mortgage loans (loans), the rights of claim for which acquired by mortgage agents, and the joint stock company "Housing Mortgage Lending Agency" for residential mortgage loans (loans), the rights of claim for which were acquired by this company, in the event that these mortgage housing loans (loans) are restructured in accordance with the terms of the assistance program for certain categories of borrowers for mortgage housing loans (loans) that find themselves in a difficult financial situation.
3. The Federal Agency for State Property Management shall ensure, in the prescribed manner, an increase in the authorized capital of the joint-stock company "Housing Mortgage Lending Agency" by 2 billion rubles by placing additional shares and carry out actions related to the acquisition of these shares and registration of ownership of them by the Russian Federation, in accordance with a tripartite agreement between the Ministry of Construction and Housing and Communal Services of the Russian Federation, the Federal Agency for State Property Management and the joint-stock company "Housing Mortgage Lending Agency".
4. To recommend to the joint stock company "Housing Mortgage Lending Agency" before increasing the authorized capital in accordance with paragraph three of paragraph 2 and paragraph 3 of this resolution to direct its own funds in the amount of no more than 500 million rubles to reimburse creditors (lenders) for residential mortgage loans ( loans), mortgage agents operating in accordance with the Federal Law "On Mortgage Securities", for residential mortgage loans (loans), the rights of claim for which were acquired by mortgage agents, losses (parts thereof) arising as a result of restructuring under the terms of the program assistance to certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation, and to allow the funds received in accordance with paragraph three of paragraph 2 of this resolution to be used to reimburse the costs of the joint-stock company "Housing Mortgage Lending Agency" incurred during the implementation of the assistance program certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation, in accordance with this paragraph.
5. If borrowers’ applications for restructuring of housing mortgage loans (loans) were received before the entry into force of this resolution, but were not satisfied, compensation for losses (part thereof) to creditors (lenders) for housing mortgage loans (loans), mortgage agents carrying out activities in accordance with the Federal Law "On Mortgage Securities", for residential mortgage loans (loans), the rights of claim for which were acquired by mortgage agents, and the joint-stock company "House Mortgage Lending Agency" for housing mortgage loans (loans), the rights of claim for which acquired by this company, can be carried out in the event of a repeated application by the borrower, subject to compliance with the basic conditions for the implementation of the program of assistance to certain categories of borrowers for mortgage housing loans (loans) who find themselves in a difficult financial situation, as amended by this resolution.
APPROVED
Government resolution
Russian Federation
dated August 11, 2017 N 961
Changes that are being made to the basic conditions for the implementation of the assistance program for certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation
The main conditions for the implementation of the assistance program for certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation are stated as follows:
"APPROVED
Government resolution
Russian Federation
dated April 20, 2015 N 373
(as amended by the resolution
Government of the Russian Federation
dated August 11, 2017 N 961)
Basic conditions
implementation of an assistance program for certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation
1. The main conditions for the implementation of the program of assistance to certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation (hereinafter referred to as the program) determine the conditions for the restructuring of housing mortgage loans (loans) for certain categories of borrowers who find themselves in a difficult financial situation, and also the conditions for compensation to creditors (lenders) for residential mortgage loans (loans), mortgage agents operating in accordance with the Federal Law “On Mortgage Securities”, for residential mortgage loans (loans), the rights of claim for which were acquired by mortgage agents, and joint stock to the company "Housing Mortgage Lending Agency" for residential mortgage loans (loans), the rights of claim for which were acquired by this company, losses (parts thereof) arising as a result of such restructuring (hereinafter referred to as lender, borrower, compensation, restructuring, respectively).
2. Reimbursement under the program is carried out one-time for mortgage housing loans (loans) restructured in accordance with this document, in the manner established by the joint-stock company "Housing Mortgage Lending Agency", published on its official website on the Internet information and telecommunication network.
3. Losses (part thereof) of the creditor for each mortgage housing loan (loan) restructured in accordance with this document are subject to compensation in the amount by which, as a result of restructuring in the cases provided for in subparagraph "c" of paragraph 10 of this document, the amount of monetary obligations of the borrower under the credit agreement (loan agreement), but not more than the maximum amount of compensation established by clause 6 taking into account clause 7 of this document.
4. Reimbursement under the program is carried out within the limits of funds provided for the implementation of the program.
5. Restructuring is carried out on the basis of the creditor’s decision on the application for restructuring submitted by the borrower to the creditor (hereinafter referred to as the application for restructuring).
Restructuring can be carried out by concluding an agreement between the creditor and the borrower (joint and several debtors) to change the terms of a previously concluded credit agreement (loan agreement), concluding a new credit agreement (loan agreement) for the purpose of full repayment of debt on a restructured mortgage loan (loan), concluding a settlement agreement (hereinafter referred to as the restructuring agreement). The terms of the restructuring agreement must comply with the requirements established by paragraph 10 of this document.
6. The maximum amount of compensation for each restructured mortgage housing loan (loan) is 30 percent of the balance of the loan (loan) calculated as of the date of conclusion of the restructuring agreement, but not more than 1,500 thousand rubles, except for the cases provided for in paragraph 7 of this document.
7. In accordance with the decision of the interdepartmental commission for making decisions on compensation to creditors (lenders) for residential mortgage loans (loans), mortgage agents operating in accordance with the Federal Law “On Mortgage Securities” for residential mortgage loans (loans), the rights of claim for which were acquired by mortgage agents, and the joint stock company "House Mortgage Lending Agency" for housing mortgage loans (loans), the rights of claim for which were acquired by this company, losses (part of them) arising as a result of the restructuring of housing mortgage loans (loans) in in accordance with the terms of the program (hereinafter referred to as the interdepartmental commission), the maximum amount of compensation for each restructured mortgage housing loan (loan) based on the corresponding application of the creditor to the interdepartmental commission can be increased, but not more than 2 times, in the manner prescribed by the regulations on the interdepartmental commission commissions.
8. Unless otherwise provided by this document, as of the date of filing the restructuring application, the following conditions must be simultaneously met:
a) the borrower (joint and several debtors) is a citizen of the Russian Federation belonging to one of the following categories:
citizens who have one or more minor children or are guardians (trustees) of one or more minor children;
citizens who are disabled or have disabled children;
citizens who are combat veterans;
citizens who are dependent on persons under the age of 24 who are students, students (cadets), graduate students, adjuncts, residents, assistant trainees, interns and full-time students;
b) change in the financial situation of the borrower (joint and several debtors) - the average monthly total income of the family of the borrower (joint and several debtors), calculated for 3 months preceding the date of filing the application for restructuring, after deducting the amount of the planned monthly payment on the loan (loan), calculated for the date preceding date of filing the application for restructuring, does not exceed for each family member of the borrower (joint and several debtor) twice the minimum subsistence level established in the constituent entities of the Russian Federation in whose territory the persons whose income was taken into account in the calculation live. In this case, the average monthly total income of the family of the borrower (joint and several debtors) in the calculation period is equal to the sum of the average monthly income of the borrower (joint and several debtors) and members of his family, which for the purposes of this subclause includes the spouse of the borrower (joint and several debtor) and his minor children, in including those under his guardianship or trusteeship, as well as persons specified in paragraph five of subparagraph "a" of this paragraph, and the amount of the planned monthly payment on the loan (loan), calculated as of the date preceding the date of filing the application for restructuring, has increased by no less than by 30 percent compared to the amount of the planned monthly payment calculated on the date of conclusion of the credit agreement (loan agreement);
c) security for the fulfillment of the borrower's obligations under a credit agreement (loan agreement) is a mortgage of a residential premises located on the territory of the Russian Federation, or a pledge of rights of claim to such residential premises arising from an agreement for participation in shared construction that meets the requirements of the Federal Law "On Participation in Shared Construction" construction of apartment buildings and other real estate objects and on amendments to certain legislative acts of the Russian Federation" (hereinafter referred to as the agreement for participation in shared construction);
d) the total area of residential premises, including residential premises, the right of claim to which arises from an agreement for participation in shared construction, the mortgage of which is security for the fulfillment of the borrower’s obligations under the credit agreement (loan agreement), does not exceed 45 square meters. meters - for a room with 1 living room, 65 sq. meters - for a room with 2 living rooms, 85 sq. meters - for a room with 3 or more living rooms;
e) residential premises, including residential premises, the right of claim to which arises from an agreement for participation in shared construction, the mortgage of which is security for the fulfillment of the borrower’s obligations under the credit agreement (loan agreement), is (will be) the only housing of the mortgagor. At the same time, in the period starting from the date of entry into force of the Decree of the Government of the Russian Federation of April 20, 2015 N 373 “On the main conditions for the implementation of the program of assistance to certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation, and an increase in the authorized capital of the joint-stock company "Agency for Housing Mortgage Lending" on the date the borrower submits an application for restructuring, it is allowed to have a total share of the mortgagor and his family members in the ownership of no more than 1 other residential premises in the amount of no more than 50 percent. For the purposes of this subparagraph j. members of the mortgagor's family include the mortgagor's spouse and his minor children, including those under his guardianship or trusteeship. Compliance with these conditions is confirmed by a simple written application from the borrower. The borrower is not required to submit information from the Unified State Register of Real Estate. mortgage housing lending" checks the information provided by the borrower in accordance with this subparagraph;
f) the credit agreement (loan agreement) was concluded at least 12 months before the date the borrower submits an application for restructuring, except for cases where the mortgage loan (loan) was provided for the purpose of full repayment of debt on a housing mortgage loan (loan) provided at least than 12 months before the date the borrower submits the restructuring application.
9. In case of non-compliance with no more than two conditions provided for in paragraph 8 of this document, payment of compensation under the program is allowed in accordance with the decision of the interdepartmental commission in the manner prescribed by the regulations on the interdepartmental commission.
10. The restructuring agreement must simultaneously provide for the following conditions:
a) changing the currency of the credit (loan) from foreign currency to Russian rubles at a rate not higher than the rate of the corresponding currency established by the Central Bank of the Russian Federation as of the date of conclusion of the restructuring agreement (for credits (loans) denominated in foreign currency);
b) setting the lending rate not higher than 11.5 percent per annum (for credits (loans) denominated in foreign currency) or not higher than the rate in effect on the date of concluding the restructuring agreement (for credits (loans) denominated in Russian rubles);
c) reduction of the monetary obligations of the borrower (joint and several debtors) in the amount of not less than the maximum amount of compensation established by paragraph 6 taking into account paragraph 7 of this document, due to a one-time forgiveness of part of the credit (loan) amount and (or) changing the currency of the credit (loan) from a foreign one currencies for Russian rubles at a rate lower than the rate of the corresponding currency established by the Central Bank of the Russian Federation on the date of conclusion of the restructuring agreement (for credits (loans) denominated in foreign currency);
d) exemption of the borrower (joint and several debtors) from paying the penalty accrued under the terms of the credit agreement (loan agreement), with the exception of the penalty actually paid by the borrower (joint and several debtors) and (or) collected on the basis of a court decision that has entered into legal force.
11. When concluding a restructuring agreement, it is not allowed to reduce the terms of mortgage housing loans (loans) and (or) charge the creditor from the borrower (joint and several debtors) of a commission for actions related to the restructuring.
12. All payments under the program are carried out in Russian rubles at the rate of the corresponding currency established by the Central Bank of the Russian Federation on the date of conclusion of the restructuring agreement (for credits (loans) denominated in foreign currency).
GOVERNMENT OF THE RUSSIAN FEDERATION
RESOLUTION
ABOUT FURTHER IMPLEMENTATION
IN A DIFFICULT FINANCIAL SITUATION
The Government of the Russian Federation decides:
1. Approve the attached changes that are being made to the main conditions for the implementation of the assistance program for certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation, approved by Decree of the Government of the Russian Federation of April 20, 2015 N “On the main conditions for the implementation of the assistance program certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation, and increasing the authorized capital of the joint-stock company "Housing Mortgage Lending Agency" (Collected Legislation of the Russian Federation, 2015, N 17, Art. 2567; N 50, Art. 7179 ; 2016, N 50, art. 7089; 2017, N 8, art.
2. To the Ministry of Construction and Housing and Communal Services of the Russian Federation:
before September 1, 2017, create an interdepartmental commission to make decisions on compensation to creditors (lenders) for residential mortgage loans (loans), mortgage agents operating in accordance with the Federal Law "On Mortgage Securities" for residential mortgage loans (loans) , the rights of claim for which were acquired by mortgage agents, and the joint stock company "House Mortgage Lending Agency" for housing mortgage loans (loans), the rights of claim for which were acquired by this company, losses (part of them) arising as a result of the restructuring of housing mortgage loans (loans) in accordance with the terms of the assistance program for certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation, approve the regulations on the said commission, the composition and procedure for its work;
send to the joint stock company "Housing Mortgage Lending Agency" in the prescribed manner funds in the amount of 2 billion rubles in accordance with the order of the Government of the Russian Federation dated July 25, 2017 N 1579-r as a contribution to the authorized capital of the joint stock company "Housing Mortgage Lending Agency " for the purpose of compensation for losses (part of them) to creditors (lenders) for residential mortgage loans (loans), mortgage agents operating in accordance with the Federal Law “On Mortgage Securities”, for residential mortgage loans (loans), the rights of claim for which acquired by mortgage agents, and the joint stock company "Housing Mortgage Lending Agency" for residential mortgage loans (loans), the rights of claim for which were acquired by this company, in the event that these mortgage housing loans (loans) are restructured in accordance with the terms of the assistance program for certain categories of borrowers for mortgage housing loans (loans) that find themselves in a difficult financial situation.
3. The Federal Agency for State Property Management shall ensure, in the prescribed manner, an increase in the authorized capital of the joint-stock company "Housing Mortgage Lending Agency" by 2 billion rubles by placing additional shares and carry out actions related to the acquisition of these shares and registration of ownership of them by the Russian Federation, in accordance with a tripartite agreement between the Ministry of Construction and Housing and Communal Services of the Russian Federation, the Federal Agency for State Property Management and the joint-stock company "Housing Mortgage Lending Agency".
4. To recommend to the joint stock company "Housing Mortgage Lending Agency" before increasing the authorized capital in accordance with paragraph three of paragraph 2 and paragraph 3 of this resolution to direct its own funds in the amount of no more than 500 million rubles to reimburse creditors (lenders) for residential mortgage loans ( loans), mortgage agents operating in accordance with the Federal Law "On Mortgage Securities", for residential mortgage loans (loans), the rights of claim for which were acquired by mortgage agents, losses (parts thereof) arising as a result of restructuring under the terms of the program assistance to certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation, and to allow the funds received in accordance with paragraph three of paragraph 2 of this resolution to be used to reimburse the costs of the joint-stock company "Housing Mortgage Lending Agency" incurred during the implementation of the assistance program certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation, in accordance with this paragraph.
5. If borrowers’ applications for restructuring of housing mortgage loans (loans) were received before the entry into force of this resolution, but were not satisfied, compensation for losses (part thereof) to creditors (lenders) for housing mortgage loans (loans), mortgage agents carrying out activities in accordance with the Federal Law "On Mortgage Securities", for residential mortgage loans (loans), the rights of claim for which were acquired by mortgage agents, and the joint-stock company "House Mortgage Lending Agency" for housing mortgage loans (loans), the rights of claim for which acquired by this company, can be carried out in the event of a repeated application by the borrower, subject to compliance with the basic conditions for the implementation of the program of assistance to certain categories of borrowers for mortgage housing loans (loans) who find themselves in a difficult financial situation, as amended by this resolution.
Chairman of the Government
Russian Federation
D.MEDVEDEV
Approved
Government resolution
Russian Federation
CHANGES,
WHICH ARE INTRODUCED TO THE BASIC CONDITIONS OF IMPLEMENTATION
FOR HOUSING MORTGAGE LOANS (LOANS) PROVIDED
IN A DIFFICULT FINANCIAL SITUATION
The main conditions for the implementation of the assistance program for certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation are stated as follows:
"Approved
Government resolution
Russian Federation
(as amended by the resolution
Government of the Russian Federation
BASIC TERMS
FOR HOUSING MORTGAGE LOANS (LOANS) PROVIDED
IN A DIFFICULT FINANCIAL SITUATION
1. The main conditions for the implementation of the program of assistance to certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation (hereinafter referred to as the program) determine the conditions for the restructuring of housing mortgage loans (loans) for certain categories of borrowers who find themselves in a difficult financial situation, and also the conditions for compensation to creditors (lenders) for residential mortgage loans (loans), mortgage agents operating in accordance with the Federal Law “On Mortgage Securities”, for residential mortgage loans (loans), the rights of claim for which were acquired by mortgage agents, and joint stock to the company "Housing Mortgage Lending Agency" for residential mortgage loans (loans), the rights of claim for which were acquired by this company, losses (parts thereof) arising as a result of such restructuring (hereinafter referred to as lender, borrower, compensation, restructuring, respectively).
2. Reimbursement under the program is carried out one-time for mortgage housing loans (loans) restructured in accordance with this document, in the manner established by the joint-stock company "Housing Mortgage Lending Agency", published on its official website on the Internet information and telecommunication network.
3. Losses (part thereof) of the creditor for each mortgage housing loan (loan) restructured in accordance with this document are subject to compensation in the amount by which, as a result of restructuring in the cases provided for in subparagraph "c" of paragraph 10 of this document, the amount of monetary obligations of the borrower under the credit agreement (loan agreement), but not more than the maximum amount of compensation established by clause 6 taking into account clause 7 of this document.
4. Reimbursement under the program is carried out within the limits of funds provided for the implementation of the program.
5. Restructuring is carried out on the basis of the creditor’s decision on the application for restructuring submitted by the borrower to the creditor (hereinafter referred to as the application for restructuring).
Restructuring can be carried out by concluding an agreement between the creditor and the borrower (joint and several debtors) to change the terms of a previously concluded credit agreement (loan agreement), concluding a new credit agreement (loan agreement) for the purpose of full repayment of debt on a restructured mortgage loan (loan), concluding a settlement agreement (hereinafter referred to as the restructuring agreement). The terms of the restructuring agreement must comply with the requirements established by paragraph 10 of this document.
6. The maximum amount of compensation for each restructured mortgage housing loan (loan) is 30 percent of the balance of the loan (loan) calculated as of the date of conclusion of the restructuring agreement, but not more than 1,500 thousand rubles, except for the cases provided for in paragraph 7 of this document.
7. In accordance with the decision of the interdepartmental commission for making decisions on compensation to creditors (lenders) for residential mortgage loans (loans), mortgage agents operating in accordance with the Federal Law “On Mortgage Securities” for residential mortgage loans (loans), the rights of claim for which were acquired by mortgage agents, and the joint stock company "House Mortgage Lending Agency" for housing mortgage loans (loans), the rights of claim for which were acquired by this company, losses (part of them) arising as a result of the restructuring of housing mortgage loans (loans) in in accordance with the terms of the program (hereinafter referred to as the interdepartmental commission), the maximum amount of compensation for each restructured mortgage housing loan (loan) based on the corresponding application of the creditor to the interdepartmental commission can be increased, but not more than 2 times, in the manner prescribed by the regulations on the interdepartmental commission commissions.
8. Unless otherwise provided by this document, as of the date of filing the restructuring application, the following conditions must be simultaneously met:
a) the borrower (joint and several debtors) is a citizen of the Russian Federation belonging to one of the following categories:
citizens who have one or more minor children or are guardians (trustees) of one or more minor children;
citizens who are disabled or have disabled children;
citizens who are combat veterans;
citizens who are dependent on persons under the age of 24 who are students, students (cadets), graduate students, adjuncts, residents, assistant trainees, interns and full-time students;
b) change in the financial situation of the borrower (joint and several debtors) - the average monthly total income of the family of the borrower (joint and several debtors), calculated for 3 months preceding the date of filing the application for restructuring, after deducting the amount of the planned monthly payment on the loan (loan), calculated for the date preceding date of filing the application for restructuring, does not exceed for each family member of the borrower (joint and several debtor) twice the minimum subsistence level established in the constituent entities of the Russian Federation in whose territory the persons whose income was taken into account in the calculation live. In this case, the average monthly total income of the family of the borrower (joint and several debtors) in the calculation period is equal to the sum of the average monthly income of the borrower (joint and several debtors) and members of his family, which for the purposes of this subclause includes the spouse of the borrower (joint and several debtor) and his minor children, in including those under his guardianship or trusteeship, as well as persons specified in paragraph five of subparagraph "a" of this paragraph, and the amount of the planned monthly payment on the loan (loan), calculated as of the date preceding the date of filing the application for restructuring, has increased by no less than by 30 percent compared to the amount of the planned monthly payment calculated on the date of conclusion of the credit agreement (loan agreement);
c) security for the fulfillment of the borrower's obligations under a credit agreement (loan agreement) is a mortgage of a residential premises located on the territory of the Russian Federation, or a pledge of rights of claim to such residential premises arising from an agreement for participation in shared construction that meets the requirements of the Federal Law "On Participation in Shared Construction" construction of apartment buildings and other real estate objects and on amendments to certain legislative acts of the Russian Federation" (hereinafter referred to as the agreement for participation in shared construction);
d) the total area of residential premises, including residential premises, the right of claim to which arises from an agreement for participation in shared construction, the mortgage of which is security for the fulfillment of the borrower’s obligations under the credit agreement (loan agreement), does not exceed 45 square meters. meters - for a room with 1 living room, 65 sq. meters - for a room with 2 living rooms, 85 sq. meters - for a room with 3 or more living rooms;
e) residential premises, including residential premises, the right of claim to which arises from an agreement for participation in shared construction, the mortgage of which is security for the fulfillment of the borrower’s obligations under the credit agreement (loan agreement), is (will be) the only housing of the mortgagor. Moreover, in the period starting from the date of entry into force of the Decree of the Government of the Russian Federation of April 20, 2015 No. “On the main conditions for the implementation of the program of assistance to certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation, and an increase in the authorized capital of the joint-stock company "Agency for Housing Mortgage Lending" on the date the borrower submits an application for restructuring, the aggregate share of the mortgagor and his family members in the ownership of no more than 1 other residential premises is allowed in the amount of no more than 50 percent. For the purposes of this subparagraph, to the members. The mortgagor's family includes the mortgagor's spouse and his minor children, including those under his guardianship or trusteeship. Compliance with the specified conditions is confirmed by a simple written application from the borrower. The borrower's submission of information from the Unified State Register of Real Estate is not required. housing lending" checks the information provided by the borrower in accordance with this subparagraph;
f) the credit agreement (loan agreement) was concluded at least 12 months before the date the borrower submits an application for restructuring, except for cases where the mortgage loan (loan) was provided for the purpose of full repayment of debt on a housing mortgage loan (loan) provided at least than 12 months before the date the borrower submits the restructuring application.
9. In case of non-compliance with no more than two conditions provided for in paragraph 8 of this document, payment of compensation under the program is allowed in accordance with the decision of the interdepartmental commission in the manner prescribed by the regulations on the interdepartmental commission.
10. The restructuring agreement must simultaneously provide for the following conditions:
a) changing the currency of the credit (loan) from foreign currency to Russian rubles at a rate not higher than the rate of the corresponding currency established by the Central Bank of the Russian Federation as of the date of conclusion of the restructuring agreement (for credits (loans) denominated in foreign currency);
b) setting the lending rate not higher than 11.5 percent per annum (for credits (loans) denominated in foreign currency) or not higher than the rate in effect on the date of concluding the restructuring agreement (for credits (loans) denominated in Russian rubles);
c) reduction of the monetary obligations of the borrower (joint and several debtors) in the amount of not less than the maximum amount of compensation established by paragraph 6 taking into account paragraph 7 of this document, due to a one-time forgiveness of part of the credit (loan) amount and (or) changing the currency of the credit (loan) from a foreign one currencies for Russian rubles at a rate lower than the rate of the corresponding currency established by the Central Bank of the Russian Federation on the date of conclusion of the restructuring agreement (for credits (loans) denominated in foreign currency);
d) exemption of the borrower (joint and several debtors) from paying the penalty accrued under the terms of the credit agreement (loan agreement), with the exception of the penalty actually paid by the borrower (joint and several debtors) and (or) collected on the basis of a court decision that has entered into legal force.
11. When concluding a restructuring agreement, it is not allowed to reduce the terms of mortgage housing loans (loans) and (or) charge the creditor from the borrower (joint and several debtors) of a commission for actions related to the restructuring.
12. All payments under the program are carried out in Russian rubles at the rate of the corresponding currency established by the Central Bank of the Russian Federation on the date of conclusion of the restructuring agreement (for credits (loans) denominated in foreign currency).