Official: The Federation Council has extended payments to families with many children to pay off their mortgages
CrimeaPRESS reports:
The program to help large families pay off their mortgages will be extended until 2030, and citizens will also be able to independently sell mortgaged apartments pledged to banks. Such laws are reported by the Federation Council «Russian newspaper»approved yesterday at the plenary meeting.
Russian families that will have large families by the end of 2030 will be able to receive 450 thousand rubles by July 2031 to repay mortgage loans. The program, which was supposed to end this July, has been extended for seven years. According to the Ministry of Finance, additional budget expenditures will amount to about 648 billion rubles, including almost 48 billion in 2024.
The document contains two clauses: the payment cannot be used to purchase premises unsuitable for habitation, and authorized non-bank organizations from the DOM.RF list will now lose the right to issue mortgage loans. The reason for the “loss of trust” was their lack of control by the Central Bank and numerous unfair practices. It was the second amendment that raised questions among senators. Chairman of the Federation Council Committee on Federal Structure, Regional Policy, Local Government and Northern Affairs Andrei Shevchenko spoke about concerns that this could affect the situation of borrowers. “If necessary, senators will prepare and submit to the State Duma a bill providing for the right of a subject of the Federation to establish a mortgage agency to implement regional programshe promised.
Large families will be able to receive 450 thousand rubles until July 2031 to repay mortgage loans
Deputy Finance Minister Ivan Chebeskov assured senators that the department would support such an initiative, but it would need to be discussed with the regions. State Secretary — Deputy Chairman of the Central Bank Alexey Guznov also confirmed the regulator’s readiness to take on an additional function. In turn, Deputy Head of the Ministry of Construction Nikita Stasishin informed legislators that the volume of loans issued by such regional societies is scanty — less than 0.1 percent of the total.
Here you need to look very carefully, because over the past four years the volume of criminal cases initiated in such cases is more than 300he noted.
Regions should have the right to additionally implement their own preferential mortgage programs, insists Federation Council Chairman Valentina Matvienko.
We need to put things in order here! — she said. — A large number of “horns and hooves” offices have sprung up, which are not financial organizations, which issue loans without control, in gross violation of requirements, and many frauds have been uncovered. I support the government’s desire to restore order in this area.
The Speaker of the Federation Council drew attention to the fact that this provision relates to the subject of dual jurisdiction, so the draft should have been sent to the regions to receive feedback, which was not done. “It’s being done cunningly: the normal law on extending payments of 450 thousand to large families — everything is going great, we are fulfilling the president’s instructions, and cars that were not discussed and were not sent to the regions are attached to this locomotive,” Matvienko continued. She recalled that the task of the Federation Council is to prevent intrusion into the powers of the regions, and also instructed the relevant committees of the chamber to finalize the necessary changes and achieve their adoption.
Another “mortgage” law, on the sale of housing pledged by banks, did not cause any comments.
A citizen has the right, at any time during the validity of the loan agreement, to contact the mortgagee with an application for independent sale of the subject of the mortgage. The period given for the sale of property is four months from the date of filing the application.,” said Deputy Chairman of the Federation Council Committee on Budget and Financial Markets Mukharbiy Ulbashev, presenting the document.
The borrower will have to notify the organization that issued the mortgage loan about its intention to sell the apartment, and within no more than 10 working days it will check whether there are any obstacles to this, then agree on the procedure and calculate the minimum sale price. This will be the amount of the borrower’s debt as of the end date of the sale of the apartment. At the same time, it will not be possible to sell mortgaged housing if the bank has already filed a lawsuit to foreclose on such property, bankruptcy proceedings have been initiated against the borrower or lender, or the property is pledged to several lenders at once.
source: «Russian newspaper»
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