Government Decree 961 of 11 08. New assistance program for mortgage borrowers - new conditions

02.09.2017 14:10:33

Good afternoon! On August 22, 2017, the RESOLUTION OF THE GOVERNMENT OF THE RUSSIAN FEDERATION dated August 11, 2017 No. 961 "On the further implementation of the program of assistance to certain categories of borrowers on mortgage housing loans (loans) who find themselves in a difficult financial situation" came into force. September 01, 2017 I applied to the add. office of JSC "Gazprombank", located in the city of Armavir, Krasnodar Territory, with a request to submit an application under the government program indicated above. At the office, they answered me that they had no orders from a higher-ranking organization and documents on this issue. I called the Krasnodar regional branch of JSC "Gazprombank". They gave me the same answer. Immediately I called the head office of this bank in Moscow. I was told that they knew about this program, but they did not have any documents or orders in this regard. Nothing can help. I called AHML, they told me that the documents are accepted by banks, please contact them. And that's it: a vicious circle. On the Sberbank website, I found all the explanations and the following phrase: "The Bank has been accepting applications from customers to participate in the Program since August 22, 2017." What does it mean? Does this program involve only Sberbank? Although Gazprombank JSC is listed fifth on the AHML website. Under the previous program, in early March 2017, I already applied to Gazprombank with a request to accept documents, but they refused me, citing the fact that AHML had run out of money. Due to the fact that the commission, established by order of the government, considers applications from 2 to 6 months, I do not have much time and chances to get government support for this program. It may turn out that time will pass and I will be refused again. I am in a very difficult situation with two children, one of whom was born in 2015, it so happened that I am a single mother. In all respects, I qualify for consideration of my application for this government assistance. What to do and what else to do? I really hope for your help. Sincerely. Ekaterina.

Please help to submit documents to JSC "Gazprobank" in the near future under the Government Program.

Response from the editorial board of the ARB website

Dear Ekaterina Alexandrovna, Your complaint has been sent to the bank.

Hello! I know that since August 11, 2017, the resolution of the Russian Federation No. 961 introduced the possibility of restructuring a mortgage loan (well, assistance from the state). I call the bank, they say, they say sorry, while we have no orders from Moscow. Do they have the right to refuse my application to restructure my mortgage?

Lawyer Antonov A.P.

Hello. Do not accept the application (refuse to accept the application) - they do not have the right, but to satisfy or not your request - they have the right. Indeed, Decree of the Government of the Russian Federation of August 11, 2017 No. 961 “On the Further Implementation of the Assistance Program for Certain Categories of Borrowers on Mortgage Loans (Loans) in a Difficult Financial Situation” dated August 14, 2017, amended the basic conditions for the implementation of the assistance program for individual categories of borrowers on mortgage loans (loans) who find themselves in a difficult financial situation, approved by Decree of the Government of the Russian Federation dated April 20, 2015 No. 373 “On the main conditions for the implementation of the program of assistance to certain categories of borrowers on mortgage financial situation, and an increase in the authorized capital of the joint-stock company Agency for Housing Mortgage Lending. The program itself is provided for certain categories of borrowers on mortgage loans (loans), that is, for those who find themselves in a difficult financial situation, which must be documented and fall under the criteria of this program.

In particular, as of the date of filing an application for restructuring, the following conditions must be simultaneously met:

a) the borrower (solidary 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 (custodians) 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 position of the borrower (solidary debtors) - the average monthly total income of the family of the borrower (solidary debtors), calculated for 3 months preceding the date of filing an application for restructuring, after deducting the amount of the planned monthly payment on the loan (loan), calculated as of the date preceding date of submission of the application for restructuring, does not exceed for each family member of the borrower (solidary debtor) twice the subsistence level established in the constituent entities of the Russian Federation, in whose territory the persons whose incomes were taken into account in the calculation live. At the same time, the average monthly total income of the family of the borrower (solidary debtors) in the billing period is equal to the sum of the average monthly incomes of the borrower (solidary debtors) and members of his family, which for the purposes of this subparagraph include the spouse (wife) of the borrower (solidary debtor) and his minor children, in including those under his guardianship or guardianship, as well as the persons specified in paragraph five of subparagraph "a" of this paragraph, and the amount of the planned monthly payment on the credit (loan), calculated on the date preceding the date of filing the application for restructuring, has increased by at least by 30 percent compared to the amount of the scheduled monthly payment calculated as of the date of conclusion of the loan agreement (loan agreement);

c) the fulfillment of the obligations of the borrower under the loan agreement (loan agreement) is secured by a mortgage of a dwelling located on the territory of the Russian Federation, or a pledge of claims to such dwelling, arising from an agreement on participation in shared construction that meets the requirements of the Federal Law "On Participation in Shared 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 on participation in shared construction);

d) the total area of residential premises, including residential premises, the right of claim to which arises from an agreement on participation in shared construction, the mortgage of which is a security for the fulfillment of the obligations of the borrower under a loan 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. 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 on participation in shared construction, the mortgage of which is a security for the fulfillment of the borrower's obligations under a loan 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 Decree of the Government of the Russian Federation dated April 20, 2015 No. 373 “On the main conditions for the implementation of the program of assistance to certain categories of borrowers on mortgage loans (loans) in a difficult financial situation, and an increase in the authorized of the capital of the Joint-Stock Company Agency for Housing Mortgage Lending, as of the date the borrower submits an application for restructuring, it is allowed to have a total share of the pledger 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, the family members of the pledger include the spouse of the pledger and his minor children, including those under his guardianship or guardianship. Compliance with these conditions is confirmed by the application of the borrower in a simple written form. The submission by the borrower of information from the Unified State Register of Real Estate is not required. Joint Stock Company "Agency for Housing Mortgage Lending" checks the information provided in accordance with this subparagraph by the borrower;

f) the loan agreement (loan agreement) was concluded at least 12 months before the date of filing by the borrower of the application for restructuring, except for cases where the mortgage loan (loan) was granted for the purpose of full repayment of debt on a mortgage housing loan (loan) provided at least than 12 months prior to the date of the borrower's application for restructuring.

The changes will make it possible to restructure at least 1.3 thousand credits (loans).

Sincerely, lawyer Anatoly Antonov.

While bank deposit rates are falling, investors are looking for alternative ways to invest. One of them is investment in precious metals. What options do those who want to buy gold have? In addition to buying "physical" gold (in bars or in the form of commemorative and investment coins), Russian investors have access to depersonalized metal accounts, shares of gold mining companies and ETFs. We will analyze the pros and cons of such investments. Impersonal OMS metal account - an account opened by a bank to account for precious metals. You can open such accounts in gold, silver, platinum or palladium. When opening a CHI, it is not at all necessary to purchase ingots and transfer them to a bank for storage, although this option is possible. You simply deposit money into the account with reference to the exchange rate of a particular metal. Banks determine the price of the metal based on the quotations of the Central Bank, and the Central Bank, in turn, focuses on the cost of a troy ounce on the London Metal Exchange. Therefore, the profitability of compulsory health insurance depends on the dynamics of prices in the world market and the exchange rate of the dollar against the ruble. In some banks, OMS provides for interest income. But this is a rarity, large financial organizations do not offer such an option. You receive income from the growth in the value of the metal. However, the spread between the purchase price and the sale price of gold should be taken into account - by analogy with a currency exchange. Banks earn their margin on the spread. What makes CHI unattractive is the lack of not only interest income, but also the lack of insurance of funds in the DIA. Therefore, it is important to choose a bank with a minimum spread, but at the same time reliable, with minimal risks of bankruptcy. VAT is not charged for account opening and operations. But the income received under the agreements of depersonalized metal accounts is subject to taxation: for residents - personal income tax at a rate of 13%, non-residents - 30%. Moreover, if the metal was owned for more than three years, then the income from its sale is not taxed. When owning less than three years, the client also has the right to a tax deduction (up to 250 thousand rubles) or a reduction in taxable income in the amount of actually incurred and documented expenses associated with the acquisition of these precious metals. Now the State Duma is considering a bill on the complete abolition of personal income tax on compulsory medical insurance, but so far such a law has not been adopted. Gold bars Bars can be bought at major banks. They can be of different weights, starting from 1 gram. Ingots can be stored both at home and in specialized storage facilities. So far, the biggest disadvantage when buying them is the need to pay VAT. Upon subsequent sale, the tax paid is not refundable. You can avoid paying VAT if the bars are stored in a bank, but the storage service is also paid. If you bring the metal back to the bank to sell, he must check the ingot. For the bank, these are additional costs, and, of course, they are included in the price. Any product defect, scratch or chip will negatively affect the cost. If you sell an ingot purchased less than three years ago, you will also have to pay personal income tax on the profit received. Precious coins There are two types of coins made of precious metals: investment (issued in large circulation) and commemorative (rare, have collection value). It is most reliable to buy them in banks and specialized organizations that sell coins. Upon purchase, you will be given a certificate of authenticity. Coins are easy to store and their starting price is relatively low. Unlike the purchase of bullion, you do not have to pay VAT when buying coins. Among the minuses are the strong depreciation of coins during their careless storage and the presence of a spread between the current buy and sell prices. For gold coins, the spread is smaller, for silver - more. The higher the collectible value of the coin, the wider the spread. Exchange-traded gold An alternative to OMS and physical precious metal is the purchase through a broker on the exchange of futures or ETF shares for gold. The securities of the FinEx Gold fund are currently traded on the Moscow Exchange. Buying precious metals through an ETF is not subject to VAT. In addition, the spread when buying gold through an ETF is much smaller than through an OMC. You can buy a gold ETF from many brokers on an individual investment account. "Golden" shares An indirect form of investing in precious metals can be considered the purchase of shares in gold mining companies. An additional bonus, in addition to the growth of quotes, may be dividend payments. However, it should be understood here that with an increase in world gold prices, the shares of a particular company may become cheaper, for example, due to internal problems, industry or geopolitical risks. On the other hand, even with stable gold prices, the company's shares may rise against the backdrop of corporate changes, production growth, purchases of good assets and other things.

02.09.2019 Cryptocurrency is called the new gold. Will it save our money in a crisis?

"Bitcoin is the new gold". The closer the new financial crisis, the more often such a comparison occurs in the conversations of analysts. How justified is the trust? The number of owners of cryptocurrencies in Turkey is twice the European average: the inhabitants of the country began to transfer funds from the national currency to crypto during the recent crisis. A sharp demand for bitcoins was noted in Argentina after the devaluation and in Venezuela, where inflation is breaking records. Almost every fall in the yuan was accompanied by an increase in the price of bitcoin. Today, in anticipation of the next global financial crisis, the media increasingly hears the idea of bitcoin as the “new gold”. It is understood that cryptocurrency is almost the most reliable way to save capital. How accurate is the comparison, and is it possible to entrust virtual currency with everything that is acquired by overwork? What's wrong with gold "Today, the choice of defensive assets is quite limited, and among financiers there is an opinion that the market needs new alternative instruments," says Alexander Bakhtin, investment strategist at BCS Premier. The choice of some investors fell on cryptocurrencies. “Gold is a fossil of antiquity, literally and figuratively, it is clearly tied to the traditional extraction of metal from the bowels,” says Sergey Arestov, co-owner of the BitCluster infrastructure and mining company. “Bitcoin, on the contrary, is the future: a symbiotic conglomeration of several technologies at once in the form of fundamentally new digital money.” Bitcoin is really digital gold, which has the same characteristics: it is expensive to mine, it is cosmically expensive to counterfeit, its availability is strictly limited, it can be stored for hundreds of years, it can be easily split into parts and transferred to another, lists the founder of the small business p2p lending platform Karma and Yuri Gugnin, Deputy Chairman of the Expert Council on Blockchain Technologies and the Digital Economy under the State Duma of the Russian Federation. “Compared to gold, bitcoin has two more advantages: it does not need a secure warehouse to store it, it can be transferred anywhere in the world in any amount in a few minutes,” says Gugnin. Bitcoin was originally created as a digital analogue of gold, and it is based on the mechanism of difficulty in obtaining and limited reserves, adds Gennady Grebenik, head of the production department at Rbtechnologies. But does a cryptocurrency that exists only on the Web have the same protective characteristics as the gold we all know? Fact Evidence of Protection Bitcoin has, in fact, already become a store of value for individuals. There are fundamental reasons for this, cryptocurrency supporters point out: 1. Absolute protection of capital. “Bitcoin is unique in its kind, the bitcoin blockchain has been tested for years, and market participants have no fear that someone can encroach on their savings or that some group of people can change the rules of the game,” says Karma CEO Artem Laptev . “Bitcoin is a complete and absolute protection of capital from third-party encroachment, including states, regulators, intelligence agencies and other uninvited guests.” 2. A guarantee of price growth, which is provided by a decentralized and clearly limited supply of bitcoin. “There are 21 million of them in total, while about 16.5 million have already been “produced”. To this we also need to add the natural decline of bitcoin, due to the fact that people simply lose access to their wallets, ”explains Artem Laptev. This means that, by its very nature, Bitcoin is deflationary, not inflationary. “This is fundamentally different from fiat money, the mass of which is constantly increasing, and the cost is decreasing,” Sergey Arestov notes. Recall that fiat money is the modern money familiar to us, which is not backed by gold or other precious metals, and their nominal value is established and guaranteed by the state. 3. Means of payment 24/7. “Many people who dealt with international settlements know what a pain it is,” says Laptev. - Sending cryptocurrency takes seconds. Day, night and weekend." 4. The function of the asset-shelter. “The dynamics of the price of bitcoin in recent years has shown a negative correlation with the dynamics of the stock market,” says Arseniy Bessmertnykh, an analyst at the CryptoEYE platform from Zichain. "This makes it a useful tool for investors looking to diversify their portfolios." At the same time, the protective properties of bitcoin are not inherent in its nature, but are “assigned”. “The status of a defensive asset is partly a self-fulfilling prophecy,” says Bessmertnykh. “The more investors perceive an asset as a “protective”, the greater the demand for it during periods of falling quotations in the markets, which increases the negative correlation of the asset with other financial assets.” True, calculations based on real data do not confirm the thesis about the feedback of cryptocurrency rates and classical securities: the correlation between the bitcoin rate against the dollar and the S&P 500 index has been positive since 2014, as well as in 2019. It disappears only in 2018, but even at that moment it does not become negative (see Fig. chart below). Fact Over the past year, some major participants in the financial market have paid attention to cryptocurrency, which caused a surge of enthusiasm among supporters of digital money. Goldman Sachs began offering bitcoin transactions, and the New York Stock Exchange began trading bitcoin futures. However, cryptocurrencies still have many opponents in the world of classic investments. Not all the gold that was so called “Only cryptocurrency speculators pursuing personal goals can call bitcoin a haven asset,” Suren Hayrapetyan, managing partner of Rebridge Capital, is categorical. Vitaly Isakov, head of the share management department at Otkritie Management Company, agrees with him: “Only people can seriously present this instrument as a protective instrument, a “safe haven” or an alternative to gold: a) narrow-minded, b) who are trying to sell something to you, regardless from the consequences for your financial well-being.” “A protective asset is able to protect an investor from any risks when investing,” explains Andrey Khokhrin, General Director of Ivolga Capital. “Assets that show stable growth regardless of external factors, predictable, controllable, and most importantly, understandable, are suitable for the role of such instruments.” Can a cryptocurrency boast price stability? Unfortunately no. Problem 1: Too High Volatility The main problem with cryptocurrencies is price volatility, which makes cryptocurrencies more of a speculative asset than a defensive asset. “Moreover, the volatility of cryptocurrency is often higher than the volatility of traditional assets during a crisis,” says Gennady Grebenik. “During the fall of American stock indices in October-December 2018, cryptocurrencies were also at the bottom, and they did not work as a protective asset,” recalls Alexei Kiriyenko, managing partner of EXANTE. “The sharp jumps in the rate of the “main cryptocurrency of the world” are due to the too strong influence of speculators on the indicators,” Suren Hayrapetyan explains. - You need to understand that the “whales”, which, in fact, manually build the course of most cryptocurrencies, often try to collapse bitcoin. Of course, there are games of speculators on other battlefields, but here they are especially dangerous. The impersonality and “freedom” of bitcoin lead to the fact that the market obeys literally magical laws. It is difficult to control, it is difficult to track fraudulent schemes. The safe-haven asset must guarantee the safety of capital. In the case of bitcoin, there is no point in talking about any guarantees.” Crypto-optimists believe that volatility will decrease sequentially as mining nears completion. “It is probable, but not necessary at all,” Sergey Arestov believes. “In the stability of any asset, even traditional gold, the market is of great importance, and, as you know, it is an unpredictable financial element.” Where does such volatility come from and what else distinguishes "digital gold" from the real one? Problem 2: too low capitalization “The second disadvantage is the small capitalization of the cryptocurrency market - $ 280 billion, it is simply not physically capable of accommodating everyone,” says Andrey Khokhrin. - An institutional investor with 100-200 million dollars, the so-called "whale", is able to shift the "fragile balance" of the crypto market and cause a wave of growth or, conversely, a dumping of assets. In fairness, it should be noted that the physical volume of gold at current quotes is also not able to accommodate "all the money in the world." It is because of the difference in capitalization that it is incorrect to compare gold and cryptocurrencies. At least at the moment. “The capitalization of bitcoin is less than 200 billion US dollars. For example: the capitalization of gold is about 10 trillion dollars, and the stock market is about 65 trillion dollars, - compares Artem Laptev. - This leads to higher volatility in the price of bitcoin relative to gold and less liquidity. Over time, as the capitalization of bitcoin grows, perhaps even progressive digital states will prefer bitcoin as a currency for state reserves over gold.” But that time is unlikely to come very soon. At the very least, it is definitely not worth perceiving cryptocurrencies as a refuge when the next global financial crisis is approaching, which is expected in the next year or two. “Bitcoin has been leading its history since 2009, and thus, it has not demonstrated the ability to survive a serious financial crisis, but it has demonstrated the ability to lose 70% of its value, as well as simply disappear as a result of theft, hacking and forgotten passwords,” says Vitaly Isakov . Gold has been offering risk averse investors for centuries its main quality - being liquidity in the last resort, adds financial analyst Dmitry Golubovsky. Problem 3: Security is Relative When cryptocurrency advocates talk about its security, they mean that these assets cannot be taken away by any state or intelligence agency. However, money is of interest not only to representatives of the law, but also to those who violate it. This summer, the Irish cryptocurrency exchange Bitsane mysteriously disappeared, and with it the funds held in the accounts of 246 thousand people. her clients. It is assumed that we are talking about the amount of millions of euros. As soon as the site stopped working, the Facebook and Twitter accounts of the exchange, as well as the pages of the founders on LinkedIn, were deleted. The exchange did not work for three years. It is doubtful that customers will ever be able to get their money back. This is not the first time that an exchange with clients' money has mysteriously disappeared. It would seem that you can avoid this risk if you directly open your wallet in the cryptocurrency blockchain. But then another risk arises: hackers or your own memory. The number of people who have lost access to their wallet is constantly growing. And the anonymity of the participants in the system makes it impossible to restore the lost "good". True, reputable London financial companies already provide insurance against the loss of passwords to wallets, Yuri Gugnin notes. Yes, and gold has the risk of theft. However, it can be minimized by storing gold in a bank. Problem 4: outside the law Finally, it is difficult to talk about the protective function of cryptocurrencies while they remain outside the legal financial system. Of course, this is a matter of time: by the end of the year, the text of the bill on cryptocurrencies, which should determine their status in Russia, should be published. “We are looking forward to the introduction of legal trading in bitcoin against the ruble on the Moscow Exchange, technically the site is ready, the only question is in agreement with the Central Bank of the Russian Federation,” Yury Gugnin reports. In the meantime, in Russia, transactions with cryptocurrency are considered, according to the directives of the Central Bank, as “doubtful transactions” - with all the ensuing consequences for the investor, reminds Dmitry Golubovsky. The fears of the Russian authorities are related to the fact that cryptocurrencies will become a new channel for the outflow of capital, Alexei Kiriyenko believes. However, their total ban will make Russia a pariah in a number of technological areas and will already cause a brain drain, the expert adds. A cautious attitude towards cryptocurrencies and abroad. “When converting cryptocurrencies into fiat money, you will need serious efforts to explain to an international bank the original source of funds and show the entire chain, including supporting documents, purchases of cryptocurrencies,” says Nikita Ryabinin, head of the Luxembourg office of the consulting company KRK Group. - Many banks simply refuse to work with such tools and funds received from this activity. Tax aspects and law enforcement practice are also in the mode of evolution for these assets.” The Middle Way “Today, cryptocurrency is not a full-fledged security asset, but at the same time, we see a trend and initiatives to issue regulated tokens or linked to real assets (STO security token offering), - says Nikita Ryabinin. - In my opinion, this is the most interesting and promising segment. The tokens will represent a share of a real asset with the right to receive either a coupon payment (debt instrument) or a quasi-equity interest (equity instrument). For settlements, it will be possible to use tokens pegged to currencies or the same gold, or tokens secured by assets of international banks with high credit ratings, with minimal risks.” However, so far all attempts to tie cryptocurrencies to the supply of physical gold (for example, goldcoin projects, etc.) have not been successful, says Alexei Vyazovsky, vice president of the Golden Mint House: “If I, as an investor, can buy an ingot or a gold investment coin at any time , then why do we need a cryptocurrency, the price of which changes in the same way as the price of an ingot or a coin, but which is not gold? Milena BAKHVALOVA, Banki.ru

30.08.2019 Retirement rake. How the issue of comfortable old age is solved abroad

The state cannot decide on the parameters of the future pension system. Banki.ru studied how it is done in other countries and how much pensioners receive there. The other day it became known that the Russians, most likely, will not have to deduct part of their earnings for IPC (individual pension capital). Instead, the financial authorities are modernizing the voluntary pension system. In fact, nothing fundamentally new can be invented - there are now a lot of different pension schemes in the world, and many of them are based on a combination of state payments and private pensions, for which citizens themselves must save. USA. Choose the right plan Americans can get two pensions. First, the state: it is an average of $1,400 per month, depending on the state of residence. The employer is obliged to pay 6.2% of the salary for the employee, plus the cost of health insurance in old age - 1.45%. Special conditions for retirement from the police, the military. The retirement age in the US is 67. You can leave earlier, but the state will pay less. In contrast, there is a supplement for later retirement. If a citizen does not live up to retirement, part of the money will be received by the spouse. For those who have not earned a pension (for example, they did not have the minimum length of service - ten years), there is also a social benefit - about 40% of the average wage in the country. Second, cumulative. The most famous voluntary insurance programs are the IRA (Individual Retirement Account) and the 401k plan. The latter is opened not by the citizen himself, but by the employer, who, along with the employee himself, can make contributions to his future pension. All pension contributions are tax-exempt and insured by the Pension Benefit Guaranty Corporation. Americans have the right to manage their own retirement accounts. For example, invest in investment funds, stocks and bonds. Retirement savings can be used to pay (or receive) loans or tuition fees. New Zealand. The main thing - citizenship Residents retire at 65 years old. The pension does not depend on the length of service or the amount of deductions. The main thing is to have citizenship and live in the country for at least ten years. The amount of payments depends on the size of the average salary in the country and whether the pensioner is married and what benefits and compensations the other half receives. Single pensioners earn the most - around NZ$1,400-1,800 ($800-$1,200) per month. The government also provides pensioners with various benefits, such as free travel and discounts on events. In addition, citizens can participate in the KiwiSaver accumulative insurance system. Depending on the chosen scheme, they give from 3% to 10% of their salary for a future pension. In addition, both the employer (from 3%) and the state are required to make their contribution to the employee's pension. The amount of state co-financing depends on the contributions of the citizen and the employer. Depending on the chosen strategy, the pension account manager can offer several investment schemes with varying degrees of risk. You can also invest in funds with different strategies. If desired, the account holder has the right to use these savings to purchase a first home or in case of a difficult financial situation. In order not to pay fees to KiwiSaver, a citizen must write a special application. Japan. Everyone will pay Almost a third of Japan's population are senior citizens. The average pension in the country is $1,500, the minimum is $600. Due to the aging of the population, the state plans to raise the retirement age from 65 to 70 years. At the same time, the Japanese have the right to retire earlier than this period, but payments will be less by a third. All residents of the country, even foreigners and students, are required to pay contributions for a future pension from the age of 20. Depending on the sphere in which a citizen works, he becomes a member of either the state pension system or the professional one. In the first case, contributions go to the Japan Pension Fund (GPIF), which pays a basic pension to all residents, including entrepreneurs, farmers and other categories of self-employed. The main condition is the regular transfer of fixed contributions ($150 per month). The minimum length of service for receiving a pension is 25 years. Employed Japanese are entitled to a labor pension (professional). They are required to pay 18.3% of their income, with the employer paying half of the contributions. Switzerland. Three Pillars of a Pensioner The Swiss pension system consistently ranks among the top ten in the world. Not only because the country is one of the leading pensioners in terms of income: the minimum payment from the state is $1,200. However, many Swiss pensioners receive more - an average of 60-80% of their previous salary. A high level of pension provision is achieved through a three-tier pension system, or three S?ulen (support, part, column) - the basic state pension, labor pension and private voluntary pension insurance. The state guarantees residents a living wage on pensions (upon reaching 65 and 64 years for men and women or the disabled), while the amount is indexed periodically. All residents of the country from the age of 18 are required to pay contributions to the state pension insurance system - AHV. The amount of final payments depends on the amount of contributions and length of service, and the state co-finances the pensions of citizens. The employer also pays contributions to the future pension of his employees, participating with them in equal proportions in the BVG (Berufliche Vorsorge) - the occupational insurance system. True, only those whose annual income exceeds 21.3 thousand francs (21.7 thousand dollars) can save for a labor pension. Funds are placed in funds that invest in stocks, bonds and real estate. The third pillar of the Swiss pension system is completely voluntary - all contributions are paid by the citizen himself (up to 20% of income), choosing different pension schemes. Products designed for pensioners are offered by private funds, large insurance companies, and banks. Some give additional bonuses in the form of life and health insurance or guaranteed payments. Savings can be used to buy a home or start a business. Norway. Investment through exports The best example of how a pension can be high, even if it is not deducted from wages, is Norway. In terms of the size of pensions, this country successfully competes with most developed countries (the exception is Denmark, where, due to state subsidies, an average pensioner's income can reach $2,800). In particular, according to the Norwegian Association of Pensioners, now the “minimum wage” is $1,500, and the average amount of payments is $2,300. The secret to success is simple: Norway is an oil country, so the currency from exports coming into the Norwegian sovereign fund (Government Pension Fund Global, GPFG) is used for investment. Unlike our PFR and NPF, the fund has the right to invest in securities and real estate in different countries. According to Norges Bank, 70% of the fund's assets are invested in shares. The fund's assets exceed $1 trillion. At the end of last year, GPFG managers received a yield of 6.1%, and in 2017 - 14%. To be eligible for full pension coverage, you need 40 years of service. You can retire at 67. The rate of contributions to the national insurance system ranges from 8% to 11.5%, depending on whether the citizen is employed or self-employed. In addition, residents of Norway can participate in professional pension programs (on the basis of co-financing) or save individually. Italy. Calculate the "contribute" Italy has become one of the few countries that have taken a step back, softening the strict requirements for pensioners put forward by the 2011 pension reform. The right to the state old-age pension comes at the age of 67 years and seven months. In August of this year, an amendment came into full force that provides several options for early retirement. The amount of the social pension is 448 euros per month. If you have a minimum work experience (25 years), the payment rises to 542 euros. A labor pension is accrued if a person has worked 42 years and 10 months for men and 41 years and 10 months for women. The size of the labor pension today is on average 71% of the average wage. The same pension reform in 2011 meant a complete transition to the funded system. Workers pay monthly contributions, "contributions", to the National Institute of Social Security (INPS), or to special "professional funds". This money goes not only to a future pension, but also to pay sick leave, as well as salary compensation in case of loss of work (for up to two years). The calculation of "contributes" is an extremely complicated matter, it depends on the profession, position and type of employment and changes every year. The employer pays "contributions" for an employee. For example, for a car mechanic who receives 1,378 euros, the employer pays 566 euros a month. Product Widget Retirement costs the Italian state annually 270 billion euros, which is 16.8% of GDP, which makes the pension burden on the budget one of the highest in the world. The new amendments will cost the budget an additional 20 billion euros during 2019-2021. Poland. The more often, the better A man in Poland can earn a pension in 20 years, and women need 15 years of experience, however, full pension coverage (on average 40% of earnings) is available after 40 years of experience. Contributions to the Social Insurance Fund (ZUC) are 19.52%, more than half are paid by the employer. The size of the pension depends on the accumulated amount, age of survival and is annually indexed to the rate of inflation. In 2017, the country introduced a law lowering the retirement age to 60 for women and 65 for men. At the same time, the social pension increased to 1,100 złoty ($277). This year, citizens will begin to receive an additional “13th pension”. In addition to the state pension, based on the principle of distribution and providing 75% of a pensioner's income in Poland, there are also mandatory corporate pension plans and voluntary corporate and individual programs. They are offered by private pension funds. Program participants can count on tax benefits, but the Poles cannot choose their own strategy and tools, like the Russians. Albert KOSHKAROV, Milena BAKHVALOVA, Banki.ru

30.08.2019 Retirement bike. How the issue of comfortable old age is solved abroad

Chelsea Only from the bank, they just received a letter, no one understands anything, but they told me to carry the documents, tomorrow I hand over August 22, 2017, 11:23 Copies of insurance are still needed Olya-la-Ya Did anyone go to VTB24 or go? mamumlik Good afternoon! write how you go. Today they “didn’t accept me” at Piskunov ... they said that only for foreign exchange or those whose payment has increased ... they failed to prove that we are suitable: (I don’t have a copy of my work report yet, I’ll go, at best, on Friday. But I really look forward to your comments on tomorrow's trip. Where are you going, also to Piskunov? Gesundheit mamumlik, and whose payment has increased? On what basis can it grow at all (except for foreign exchange)? Piskunov does not accept documents, so in other departments our docks will simply be thrown out ... mamumlik, so I was surprised ...

New program to help mortgage borrowers - new conditions

Attention

Commentary By Government Decree No. 1579-r dated July 25, 2018, the Ministry of Construction of Russia was allocated budget allocations in the amount of 2 billion rubles from the reserve fund of the Government of Russia for a contribution to the authorized capital of JSC Agency for Housing Mortgage Lending (AHML JSC) in order to implement the program. The signed resolution specifies the main conditions for the implementation of the program.

It is planned to create an interdepartmental commission by the Ministry of Construction of Russia, which will be able to make decisions, including on increasing the amount of compensation to borrowers. The amendments made to the main conditions will allow continuing the implementation of the program and restructuring at least 1.3 thousand jobs.
mortgage housing loans (loans) for certain categories of borrowers.

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of the Russian Federation, or a pledge of claims to such residential premises arising from an agreement on participation in shared construction that meets the requirements of the Federal Law “On Participation in Shared Construction of Apartment Buildings and Other Real Estate and on Amendments to Certain Legislative Acts of the Russian Federation” (hereinafter - agreement on participation in shared construction); d) the total area of residential premises, including residential premises, the right of claim to which arises from an agreement on participation in shared construction, the mortgage of which is a security for the fulfillment of the obligations of the borrower under a loan 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 on Dzerzhinsky Street, they don't know anything about this program. They didn’t have a release) So, we are waiting for the information to be released to them. I asked about the assessment report, 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. loan agreement (loan agreement). how to understand this? 999koshka I called the AHML hotline: 8 800 505 11 11 to clarify who would still accept documents, they said, wait on 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 Assistance Program
- Decree 961-PP On the plan for metro construction in the city of Moscow for 2008 - 2010
- Decree of November 9, 2018 n 961
- Russian Government
Russian Government
- - On the further implementation of the assistance program for certain categories of borrowers on mortgage loans in a difficult financial situation
- Document
- Comment
- Decree of the Government of the Russian Federation of August 11, 2018
- Documents for Decree 961
- Assistance program for AHML mortgage borrowers
Assistance program for AHML mortgage borrowers
- Terms of 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 not exceed 11.5%, and the ruble mortgage rate will not exceed the rate as of 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 a ruble mortgage at an exchange rate lower than the exchange rate of the Bank of Russia at the time of the conclusion of the restructuring agreement;
one-time write-off of a part of the debt.

During the restructuring, no commissions are charged by the creditor.

Restructuring is carried out by decision of the creditor bank. In case of a positive decision by the bank, the issue of restructuring is further decided by AHML.

Important

And the documents will be accepted exactly 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, 03:23 pm Quote from: Lena-Elena on August 17, 2017, 02:46 pm The amount of the planned monthly payment on the loan (loan), calculated on the date preceding the date of filing the application for restructuring, has increased by at least 30 percent compared with the size of the planned monthly payment calculated on the date of conclusion of the loan agreement (loan agreement). how to understand this? This is for Currency Mortgages In general, I'm shocked, large families have been removed.

We don't fit squares. 999koshka There is also an option that if you do not fit more than 2 conditions, they will be considered by a special commission. (Clause 9 in the resolution) So there is a chance, we also have one condition not met.
OF THE RUSSIAN FEDERATION DECISION N 961 of August 11, 2017 ON THE FURTHER IMPLEMENTATION OF THE PROGRAM OF ASSISTANCE TO CERTAIN CATEGORIES OF 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 on 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 certain categories of borrowers for 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 (Sobraniye Zakonodatelstva Rossiyskoy Federatsii, 2015, No. 17, art.
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the Central Bank of the Russian Federation as of the date of conclusion of the restructuring agreement (for credits (loans) denominated in foreign currency); d) exemption of the borrower (solidary debtors) from payment of the penalty accrued under the terms of the loan agreement (loan agreement), with the exception of the penalty actually paid by the borrower (solidary 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 shorten the terms of mortgage housing credits (loans) and (or) charge a commission from the borrower (solidary debtors) by the creditor for actions related to restructuring.

The Government of the Russian Federation decides:

1. Approve the attached changes that are made to the main conditions for the implementation of the assistance program for certain categories of borrowers on 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 on mortgage housing 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" (Sobranie Zakonodatelstva Rossiyskoy Federatsii, 2015, No. 17, art. 2567; No. 50, art. 7179; 2016, N 50, item 7089; 2017, N 8, item 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) on mortgage housing loans (loans), mortgage agents operating in accordance with the Federal Law "On Mortgage Securities", on mortgage housing loans (loans) , the rights of claim for which are acquired by mortgage agents, and to the Joint-Stock Company "Agency for Housing Mortgage Lending" for mortgage housing loans (loans), the rights of claim for which are acquired by this company, losses (part thereof) resulting from the restructuring of mortgage housing loans (loans) in accordance with the terms of the assistance program for certain categories of borrowers on mortgage loans (loans) who find themselves in a difficult financial situation, approve the regulation on the said commission, the composition and procedure for its work;

to send funds in the amount of 2 billion rubles to the joint-stock company Agency for Housing Mortgage Lending in accordance with the established procedure 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 Agency for Housing Mortgage Lending "for the purpose of compensating for losses (their part) to creditors (lenders) on mortgage housing credits (loans), mortgage agents operating in accordance with the Federal Law "On Mortgage Securities", on mortgage housing credits (loans), the rights of claim on which were acquired by mortgage agents, and to the Joint-Stock Company "Agency for Housing Mortgage Lending" on mortgage housing loans (loans), the rights of claim on 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 on mortgage personal loans (loans) in a difficult financial situation.

3. The Federal Agency for State Property Management shall ensure, in accordance with the established procedure, an increase in the authorized capital of the Joint-Stock Company "Agency for Housing Mortgage Lending" by 2 billion rubles by placing additional shares and carry out actions related to the acquisition of these shares and registration of the ownership of the Russian Federation on them, 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 Agency for Housing Mortgage Lending.

4. Recommend to the joint-stock company Agency for Housing Mortgage Lending, before increasing the authorized capital in accordance with paragraph three of clause 2 and clause 3 of this resolution, to direct its own funds in the amount of not more than 500 million rubles to reimburse creditors (lenders) for housing mortgage loans ( loans), mortgage agents operating in accordance with the Federal Law "On Mortgage Securities", on mortgage housing loans (loans), the rights of claim on which are acquired by mortgage agents, losses (part thereof) resulting from the restructuring on the terms of the program assistance to certain categories of borrowers on mortgage loans (loans) who find themselves in a difficult financial situation, and to allow the funds received in accordance with paragraph three of clause 2 of this resolution to be used to reimburse the costs of the joint-stock company Agency for Housing Mortgage Lending, fuss those who during the implementation of the assistance program for certain categories of borrowers on mortgage housing loans (loans) who find themselves in a difficult financial situation, in accordance with this paragraph.

5. If applications of borrowers for restructuring mortgage housing credits (loans) were received before the entry into force of this resolution, but were not satisfied, compensation for losses (their part) to creditors (lenders) on mortgage housing credits (loans), mortgage agents carrying out activities in accordance with the Federal Law "On Mortgage Securities", for mortgage housing loans (loans), the rights of claim under which are acquired by mortgage agents, and to the joint-stock company "Agency for Housing Mortgage Lending" for mortgage housing loans (loans), the rights of claim for which acquired by this company, can be carried out in the event of a repeated application of the borrower, subject to the basic conditions for the implementation of the program of assistance to certain categories of borrowers on mortgage housing loans (loans) in a difficult financial situation, as amended by this resolution.

Prime Minister

Russian Federation

D. MEDVEDEV

CHANGES TO THE MAIN CONDITIONS OF THE PROGRAM OF ASSISTANCE TO CERTAIN CATEGORIES OF HOUSING MORTGAGE CREDITS (LOANS) BORROWERS IN DIFFICULT FINANCIAL SITUATION

The main conditions for the implementation of the assistance program for certain categories of borrowers on mortgage loans (loans) who find themselves in a difficult financial situation shall be stated as follows:

MAIN CONDITIONS FOR THE IMPLEMENTATION OF THE PROGRAM OF ASSISTANCE TO CERTAIN CATEGORIES OF HOUSING MORTGAGE LOANS (LOANS) FINDING IN A DIFFICULT FINANCIAL SITUATION

1. The main conditions for the implementation of the program of assistance to certain categories of borrowers on mortgage loans (loans) in a difficult financial situation (hereinafter referred to as the program) determine the conditions for restructuring mortgage loans (loans) for certain categories of borrowers in a difficult financial situation, and also the terms of compensation to creditors (lenders) on mortgage housing credits (loans), mortgage agents operating in accordance with the Federal Law "On Mortgage Securities", on mortgage housing credits (loans), the rights of claim on which are acquired by mortgage agents, and joint stock to the company "Agency for Housing Mortgage Lending" on mortgage housing loans (loans), the rights of claim on which were acquired by this company, of losses (part thereof) resulting from such restructuring (hereinafter, respectively - creditor, borrower, compensation, restructuring).

2. Reimbursement under the program is carried out on a one-time basis for mortgage housing loans (loans) restructured in accordance with this document, in the manner established by the Joint-Stock Company "Agency for Housing Mortgage Lending", published on its official website in the information and telecommunications network "Internet".

3. Losses (their part) of the creditor on 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 loan agreement (loan agreement), but not more than the maximum amount of compensation established by paragraph 6, taking into account paragraph 7 of this document.

4. Compensation within the framework of 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 decision of the creditor on the application for restructuring provided by the borrower to the creditor (hereinafter referred to as the application for restructuring).

Restructuring can be carried out by concluding an agreement by the creditor and the borrower (solid and several debtors) on changing the terms of a previously concluded loan agreement (loan agreement), entering into a new loan agreement (loan agreement) for the purpose of full repayment of debt on a restructured mortgage housing 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 credit (loan) is 30 percent of the balance of the credit (loan) amount 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 clause 7 of this document.

7. In accordance with the decision of the interdepartmental commission for making decisions on compensation to creditors (lenders) on mortgage housing loans (loans), mortgage agents operating in accordance with the Federal Law "On Mortgage Securities", on mortgage housing credits (loans), the rights of claim under which were acquired by mortgage agents, and to the joint-stock company "Agency for Housing Mortgage Lending" on mortgage housing loans (loans), the rights of claim for which were acquired by this company, losses (part thereof) resulting from the restructuring of mortgage housing 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) on the basis of the relevant application of the lender to the interdepartmental commission may be increased, but not more than 2 times, in the manner prescribed by the regulation on interdepartmental commissions.

8. Unless otherwise provided herein, as of the date of submission of the application for restructuring, the following conditions must be simultaneously met:

a) the borrower (solidary debtors) is a citizen of the Russian Federation belonging to one of the following categories:

citizens who have one or more minor children or who are guardians (custodians) 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 position of the borrower (solidary debtors) - the average monthly total income of the borrower's family (solidary debtors), calculated for 3 months preceding the date of filing an application for restructuring, after deducting the amount of the scheduled monthly payment on the loan (loan), calculated as of the date preceding date of submission of the application for restructuring, does not exceed for each family member of the borrower (solidary debtor) twice the subsistence level established in the constituent entities of the Russian Federation, in whose territory the persons whose incomes were taken into account in the calculation live. At the same time, the average monthly total income of the family of the borrower (solidary debtors) in the billing period is equal to the sum of the average monthly incomes of the borrower (solidary debtors) and members of his family, which for the purposes of this subparagraph include the spouse (wife) of the borrower (solidary debtor) and his minor children, in including those under his guardianship or guardianship, as well as the persons specified in paragraph five of subparagraph "a" of this paragraph, and the amount of the planned monthly payment on the credit (loan), calculated on the date preceding the date of filing the application for restructuring, has increased by at least by 30 percent compared to the amount of the scheduled monthly payment calculated as of the date of conclusion of the loan agreement (loan agreement);

c) the fulfillment of the obligations of the borrower under the loan agreement (loan agreement) is secured by a mortgage of a dwelling located on the territory of the Russian Federation, or a pledge of claims to such dwelling, arising from an agreement on participation in shared construction that meets the requirements of the Federal Law "On Participation in Shared 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 on participation in shared construction);

e) residential premises, including residential premises, the right of claim to which arises from an agreement on participation in shared construction, the mortgage of which is a security for the fulfillment of the borrower's obligations under a loan 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 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 on mortgage loans (loans) who find themselves in a difficult financial situation, and an increase in the charter of the capital of the joint-stock company "Agency for Housing Mortgage Lending" by the date of the borrower's application for restructuring, it is allowed to have an aggregate share of the mortgagor and members of his family in the ownership of no more than 1 other residential premises in the amount of not more than 50 percent. the family members of the pledgor include the spouse of the pledgor and his minor children, including those under his guardianship or guardianship.Compliance with these conditions is confirmed by the application of the borrower in a simple written form.Representation by the borrower of information from the Unified State Register of Real Estate is not required. th society "Agency for Housing Mortgage Lending" checks the information provided in accordance with this subparagraph by the borrower;

9. In case of non-compliance with no more than two conditions provided for in paragraph 8 of this document, the payment of compensation under the program is allowed in accordance with the decision of the interdepartmental commission in the manner prescribed by the regulation on the interdepartmental commission.

10. The restructuring agreement must simultaneously provide for the following conditions:

a) change in the currency of the credit (loan) from foreign currency to Russian rubles at an exchange rate not exceeding the exchange 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 force on the date of conclusion of the restructuring agreement (for credits (loans) denominated in Russian rubles);

c) reduction of monetary obligations of the borrower (solidary debtors) in the amount not less than the maximum amount of compensation established by paragraph 6, subject to paragraph 7 of this document, due to a one-time forgiveness of a part of the loan (loan) amount and (or) change of the credit (loan) currency from a foreign currencies into Russian rubles at a rate below 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);

d) exemption of the borrower (solidary debtors) from payment of the penalty accrued under the terms of the loan agreement (loan agreement), with the exception of the penalty actually paid by the borrower (solidary 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 shorten the terms of mortgage housing credits (loans) and (or) charge a commission from the borrower (solidary debtors) by the creditor for actions related to restructuring.

12. All settlements under the program are made in Russian rubles at the rate of the relevant 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).".