Military Review

The Federation Council has prepared a set of measures to eliminate military mortgage debt

13
The Federation Council has developed solutions to address problems related to military mortgage arrears. This was announced by the head of the Chamber of Defense and Security Committee Viktor Bondarev at the March 28 plenary session.


The Federation Council has prepared a set of measures to eliminate military mortgage debt


Taking into account the problems existing in the cumulative mortgage system, three chamber committees - on defense and security, on social policy, as well as on budget and financial markets - developed a set of measures to resolve existing problems outlined in the recommendations of the joint meeting
Said the senator.

At a joint meeting of the 20 committees in March, senators proposed to solve the problem of indebtedness of military personnel - members of the accumulative mortgage system through bank refinancing with the inclusion of Rosvoenyipotek. Now the debts are of the order of 100 thousands of troops.

When planning the federal budget for 2019-2021, it was recommended to the government to consider the issue of additional indexation of the annual cumulative contribution, including allowing for partial early repayment of mortgage loans of members of the cumulative mortgage system who have forecasted debts

A number of proposals addressed to Federal State Institution "Federal Office of the Cumulative Mortgage System for Military Service Housing": check the volume of arrears of NIS servicemen, prepare a draft decision of the Russian Government on channeling a targeted housing loan to pay off previously issued loans, together with banks introduce refinancing and restructuring programs earlier loans issued, including reducing the rates on them, to implement the program of this refinancing.

The Central Bank was asked to consider the issue of changing the approach to assessing the risk (quality) category of mortgage loans for servicemen for which forecasted debt is formed, as well as the issue of creating conditions that allow credit organizations to reduce the interest rate on mortgage loans for military personnel, including by renewing programs to provide loans secured by mortgages issued for military personnel loans.
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13 comments
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  1. maxim947
    maxim947 29 March 2018 10: 10
    +1
    What kind of dregs, where did one hundred thousand debtors come from ??
    A debtor is like a contractor who took advantage of the military mortgage, acquired housing and either personally quit military service, or was expelled from it for non-compliance with the contract, and then he seems to become a debtor, and accordingly the figure of 100 thousand debtors is very great. It’s not clear ...
    Maybe they wanted to say that debts before 100 thousand troops? then yes.
    1. Alex-a832
      Alex-a832 29 March 2018 10: 23
      +3
      Quote: maxim947
      Maybe they wanted to say that debts to 100 thousand military personnel?

      It is possible that in the absence of contributions to the NIS from the budget, banks take into account borrowers, who are military personnel, as debtors.
      1. maxim947
        maxim947 29 March 2018 10: 27
        +3
        Those. will the bank always be guilty?)))))))
        1. Alex-a832
          Alex-a832 29 March 2018 10: 56
          +2
          Quote: maxim947
          Those. will the bank always be guilty?)))))))

          ) I think that the “guilty" here is the Moscow Region and they will somehow settle the issue of penalties. Servants should not suffer. The topic is good for maintaining staffing, but an overhead for the budget. Who else from super-rich bourgeois countries with so many armed forces could boast of such generosity? ...
          1. maxim947
            maxim947 29 March 2018 11: 27
            0
            The fact that the topic is sound, no doubt. The mechanism is stuck somewhere) Lubricate, in one place ...
  2. 1vlad19
    1vlad19 29 March 2018 10: 31
    +3
    It began, that would not take a mortgage, you need to serve 25 years. It’s like it was with certificates, you can’t buy anything worthwhile for these pennies. Can build start? It is cheaper and more profitable, built, given as a service, served 20 years, transferred to ownership.
  3. Altona
    Altona 29 March 2018 11: 35
    +3
    For me, the term "military mortgage" is itself absurd. Because the state voluntarily pays marginal income to the bank, these notorious 5-12% per annum. In general, I can’t understand this. Does the state borrow from a private bank to build houses for the military? What is the point? Some kind of economic nonsense.
    1. Rushnairfors
      Rushnairfors 29 March 2018 18: 20
      +3
      Men explain by example and the example of my colleagues.
      So in 2014, I took an apartment on a military mortgage in the hero city of Krasnodar. At that time, the accumulated amount in my personal account was about a million (970 thousand in my opinion). I bought an apartment for 2. That is, I took 800 rubles in a mortgage. This amount was given to me until 000, it turns out for 2 years. The interest rate was 000% .. I was a fool like many naturally did not read the contract to the end, and there the interest rate for 000 years was fixed, but in the future it could change depending on some average international value of something there .... (I don’t remember in general) the point is that for the last 2028 years, along with the indexation of money aimed at paying off the mortgage, my% on the loan is also growing, that is, all days are exclusively for paying interest, the payment schedule has changed significantly, and changed not for the better for me. But I still have it, even though there are no debts, and for some classmates, the percentage exceeds the limits of cash payments, one friend owed 14 rubles to the bank at the end of 9.5, that is, there is not enough money from the Moscow Region even to pay% on the loan, not to mention about repayment of the main debt, such a divorce is this military mortgage. And most importantly, everything is legal !!!! Representatives of Rosvoenipoteka say, why did you take it? Yes, you got divorced, it's all offensive. I hope Bondarev will be able to somehow influence these sad mortgage matters, otherwise it will somehow become sad, especially against the background of constant rumors about the abolition of military pensions and the already adopted law on increasing the service life to 2 years.
      1. Glory1974
        Glory1974 29 March 2018 18: 49
        0
        and the law already adopted on increasing the service life to 50 years.

        I also heard about it, but there is nothing concrete.
        1. Rushnairfors
          Rushnairfors 29 March 2018 19: 05
          +3
          Well, as if they say that this is nonsense, but you know, smoke without fire ..... I'm no longer surprised at anything. But with a mortgage of course tin. We at least began to process the lieutenants - they say, do not repeat our mistakes - you have an accumulative account and it’s wonderful, let the money accumulate, also with interest, why do you need your own apartment at 25 when they give you a service? I’m now thinking that I wouldn’t take a mortgage, now I would have had two lemas in my account, another 5 years and you could have bought an apartment calmly, and now just rely on Bondarev and his companion that at least we can reduce the rate for a warrior.
      2. Anti-Corr.
        Anti-Corr. 29 March 2018 19: 11
        0
        Quote: Rushnairfors
        but it somehow becomes sad, especially against the background of constant rumors about the abolition of military pensions and the already adopted law on increasing the service life to 50 years.

        This very mortgage has tied you to military service.
        1. Rushnairfors
          Rushnairfors 29 March 2018 19: 19
          +3
          So for sure, there is only one way out - to save 500-600 thousand and pay, then there are options to end this infection by 45, many already do this, but what else remains? Now, if the rate is lowered, but the years are counted that there was no indexation, then it will become more fun, but for now, with our heads held high we look into the bright future and believe in our leader.
          1. Anti-Corr.
            Anti-Corr. 29 March 2018 19: 26
            0
            Quote: Rushnairfors
            One way out is to save up to 500-600 thousand and pay, then there are options for 45 to end this infection,

            Well, yes, if money allowance allows. Our guys, with whom I’m talking, didn’t get into the mortgage, used the services, and now by the age of 45 one colonel will go to the demobilization, the second underground, so the first 12 lyam for payment, and the second 10 . But the young flyers-captains, grabbed expensive cars on loans and mortgages, are now "hanging out" and taxis, and they do not get out of business trips from any country .... That's it.