The Central Bank explained the conditions of vacation credit
Vacation credit does Not come in free, was recalled to the Central Bank.
As emphasized in the regulator, the interest on the loan during this period will be charged.
"If you have the ability to pay for a feasible Bank creditor during the grace period, these payments will be made to reduce the principal on the loan, which will give the opportunity to reduce the amount of accrued % and will facilitate the completion of final payments on loan after grace period ", - told the Bank of Russia.
The Central Bank has noticed that the Field the end of the grace period the borrower is obliged to return to the loan payments. The regulator explained that Accrued during this period of time the interest rates on credit cards are required to be paid by the borrower for 24 months in equal monthly payments. 1st payment will need to commit 30 days after the expiry of the grace period.
Accrued "vacation" interest on consumer credits, and also formed before the start of the grace period interest arrears and penalties have to be paid by the borrower after credit repayment by equal amounts, the value of which is equal to the monthly payments. Not paid during the grace period, payments of principal and interest on a mortgage loan are required to be paid by the borrower after repayment of the loan in monthly installments, the value of which is equal to the regular monthly mortgage loan payments.
yesterday the head of Vladimir Putin has signed a law giving victims of coronavirus Russians, as well as individual entrepreneurs, small and medium businesses the right to vacation Credit, providing for the deferment of the repayment of principal amount and payment % on loans.
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