Military Review

In November, 155 thousand loans of borrowers participating in a special military operation were restructured

In November, 155 thousand loans of borrowers participating in a special military operation were restructured

According to the Central Bank of Russia, in November of this year, the number of restructured loans issued to mobilized military personnel and members of their families, to other participants in the SVO, decreased by half compared to the previous month. In total, 155 loans in the amount of 58,8 billion rubles were restructured in this segment of borrowers over the period.

Such statistics in an extended interview "Izvestia", dedicated to the policy of the Russian financial regulator in the field of borrowing and mortgage lending for the next year, led by the director of the financial stability department of the Central Bank of the Russian Federation Elizaveta Danilova.

As of November 30, the level of restructuring on loans to mobilized citizens is approximately two times lower than our estimates showed in September. According to a survey of banks, restructuring of 155 thousand loans to military personnel and members of their families was actually provided for a total of 58,8 billion rubles

— said the representative of the Bank of Russia.

Danilova said that, in general, the level of applications for changing the terms of repayment of loans to a preferential side is currently significantly lower than in the same period during the pandemic crisis. Thus, in the consumer lending segment in September 2022, 2,2% of debt was restructured (slightly more than in November). Whereas during the pandemic, restructuring reached 5,5% of the portfolio.

An even greater decrease in requests for restructuring under mortgage agreements satisfied by banks: as of December 1, 2022, only 1% of the portfolio was restructured against 4,4% during the pandemic.

Credit holidays for citizens called up as part of partial mobilization, their family members, banks began to provide from October 7, 2022, when the relevant law came into force. At the same time, the start date of the credit holiday can be any day starting from September 21, 2022. Credit holidays imply the suspension of payments on loans and borrowings for the duration of service under a contract, mobilization or for the period of participation in a special operation plus 30 days. The grace period is extended for the duration of treatment in a hospital in case of injury or illness received during SVR.

Other military personnel, employees of law enforcement agencies, contract soldiers and volunteers participating in a special military operation can also use the privilege. A complete list of bodies whose employees are subject to the law is listed in paragraph 6 of Article 1 of Federal Law No. 61-FZ "On Defense".
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  1. Proton
    Proton 28 December 2022 11: 40
    Is this a promotional article about banks, nice and fluffy?
    These wolves in sheep's clothing will not miss their. Today they restructured, and tomorrow they will drive anyone into a noose.
    1. dmi.pris1
      dmi.pris1 28 December 2022 11: 56
      All this "restructuring" comes down to extending the term and, accordingly, increasing the credit burden.
  2. Lech from Android.
    Lech from Android. 28 December 2022 11: 46
    I watch how people take loans and swear obscenely at his innocence and thoughtlessness.
    Often they take bank loans without thinking about how to repay them in case of force majeure.
    A person can get sick, fired from work, injured, and a host of other significant reasons that will deprive him of the opportunity to pay on time.
    There is also a category of people who take loans after a divorce of scammers ... it’s generally out of the question, especially if they are telephone scammers ... a person of sound mind and clear mind takes several million on credit and transfers them to completely unfamiliar people who don’t know where. request what
    And the bank doesn't give a damn... he got a new loan slave.
    Credit slavery has become commonplace in our lives.
    The military is bred for loans just like gullible grandparents ... sometimes fists are clenched with emotion when you find out how a military invalid falls into credit slavery by believing scammers.
    1. APASUS
      APASUS 28 December 2022 12: 45
      Quote: Lech from Android.
      There is also a category of people who take loans after a divorce of scammers ... it’s generally out of the question, especially if they are telephone scammers ...

      Here you can partially understand the people. This is a difficult psychological work, when there is pressure on pity, when on greed, but there are always options. (when a child calls you at night and says that you had an accident and you can do stupid things without waking up)
      I am outraged most of all by the role of our state in the problem of equity holders. After all, everyone knows perfectly well that it’s impossible to open an office just like that, get land, and collect money for an apartment. But when the developer suddenly goes bankrupt, then the ordinary citizen is to blame. And the bank does not care about the bankruptcy of the developer. This is how it turns out that the state, as it were, is not in business.
      Laughter and only
    2. akropin
      akropin 28 December 2022 12: 59
      Brief Economic Dictionary. Edited by G.A. Kozlov and S.P. Pervushin. Moscow. State publishing house of political literature. 1958.

      The sale on credit from factory shops of the commodities necessary for the worker was a fairly common phenomenon in the early stages of the development of capitalism and continues to this day. It is one of the means of additional exploitation, since here the industrial capitalists appropriate usurious interest, trade profits, and superprofits, using the needs of the worker.

      In modern conditions, in a number of countries, industrial and trading companies sell various consumer goods—cars, furniture, radio receivers, refrigerators, and so on—by installments. This is a commodity loan. In cash, it is provided by banks that finance purchases of commodities on credit by issuing cash loans to businesses against debt obligations of buyers.

      An increase in consumer credit under capitalism contributes to the intensification of overproduction and the maturing of an economic crisis, since it stimulates the development of production beyond the limits of actual effective demand.
  3. voice of reason
    voice of reason 28 December 2022 11: 48
    You don't need holidays! NOT holidays. It is necessary to write off debts or pay them at the expense of the state. The logic is simple, if the army of the state cannot cope and the state turns to its citizens with a request to help defeat the enemy through mobilization or volunteer movement, then this citizen must also take on the financial obligations. And it turns out that a person risks his life and health, and then he comes from a business trip and the bankers are waiting for him here. They graciously provided a vacation, and now be kind enough to pay what has accumulated from your "combat" payments. And okay, even if we are talking about a volunteer, but what about a mobilized one? Why should he pay if he was cut off from work and did not receive a salary?
    1. Andobor
      Andobor 28 December 2022 12: 02
      Quote: voice of reason
      It is necessary to write off debts or pay them at the expense of the state.

      And the one who did not pick up loans - let him fight for nothing?
      You just need to pay well, and you don’t need any holidays.
    2. Neo-9947
      Neo-9947 28 December 2022 12: 04
      Quote: voice of reason
      It is necessary to write off debts or pay them at the expense of the state.

      And they add more...
      If two work colleagues are called to the SVO. One unlucky one is in debt as if in silks with a bunch of loans for a car, a mortgage, an iPhone ... in loans for a loan.
      The other one was normal - he lived within his means, loans were paid on time.
      It turns out that the second one was left in the cold, because the state gives the first one a new car, a new apartment and a new iPhone, and let the second one drive an old Toyota and fight better, looking at the lucky one?
      1. I dare to_notice_
        I dare to_notice_ 28 December 2022 12: 38
        It turns out like this.
        If I knew where I would fall, I would lay straw. (people's wisdom)
        But in general ... it is necessary to eradicate the system of loan interest, as alien to our Civilization.
        I would... if I were the Tsar, returned to the socialist system.
        Experience (Soviet) is.
        And there is the main thing - a resource! (which was not enough for the USSR).
        1. Neo-9947
          Neo-9947 28 December 2022 12: 58
          Quote: I dare_notice_
          It turns out like this.

          Where is justice?
          In this case, the "second" will say, here you are the first to crawl through the minefield, since you are so quick, and then we'll see which of us spread the straw ...
      2. dfk-80
        dfk-80 29 December 2022 08: 38
        They are both fools: the first time they paid the debt to the state on an urgent basis (1-2 years), the second time on mobilization. At the same time, healthy foreheads, having smeared themselves neither the first nor the second time, owe nothing. Bingo!
  4. ALARI
    ALARI 28 December 2022 11: 57
    Holidays? But nothing that interest will be charged and then all this will be presented for payment by good bankers under the roof of the native government. If you survive, they will milk you dry, and that the economy should be economical.
  5. Gardamir
    Gardamir 28 December 2022 12: 08
    If the state were social, as stated in the Constitution, it would forgive these loans.
    1. AdAstra
      AdAstra 28 December 2022 12: 16
      Well, loans were not taken from the state, and how is it in the winged one - "the state does not owe you anything ..."hi
  6. flyer
    flyer 28 December 2022 14: 53
    Instead of Tiramisu and iPhones, which he carefully presented to foreign mercenaries, Abramovich does not want to share his "honestly acquired" and close the restructured loans of the mobilized?