Елена Самтынова
Rawpixel / Depositphotos.com
Банк России направил письмо в адрес кредитных, микрофинансовых организаций, кредитных потребительских, сельскохозяйственных кредитных потребительских кооперативов и ломбардов, в котором рекомендуется, начиная с даты, с которой велся отсчет кредитных каникул по закону, реструктурировать долг по собственной программе заемщика по кредитным договорам в связи с невозможностью предоставления документов или предоставлением недостаточных документов для получения кредитных каникул (Письмо Банка России от 30 июня 2020 г. № ИН-06-59-104). Напомним, для предоставления кредитных каникул заемщик должен предоставить кредитору документы, подтверждающие снижение дохода, в течение 90 дней (ч. 7 ст. 6 Федерального закона от 3 апреля 2020 г. № 106-ФЗ). В ближайшие дни этот срок наступит для заемщиков, воспользовавшихся каникулами в первые дни действия закона.
«Вероятны ситуации, когда заемщик не сможет в этот срок подтвердить снижение дохода на 30% (например, совершив ошибку в расчетах при обращении за каникулами). При этом Банк России полагает, что для добросовестных заемщиков невозможность подтвердить документально право на использование кредитных каникул не должно оборачиваться болезненными последствиями», – отмечает1 регулятор. Такой подход, по его мнению, позволит заемщику избежать просроченной задолженности и не испортить кредитную историю. В свою очередь, гражданам рекомендуется заранее обратиться к кредитору и вместе с ним найти приемлемое решение.
Все важные документы и новости о коронавирусе COVID-19 – в ежедневной рассылке Подписаться
Кроме того, в случае если заемщик получил кредитные каникулы, но передумал ими пользоваться, это также не должно обернуться для него негативными последствиями. Поскольку заемщик вправе в любой момент до поступления от кредитора уведомления о предоставлении кредитных каникул либо до истечения срока, указанного в ч. 12 ст. 6 Федерального закона от 3 апреля 2020 г. № 106-ФЗ, отозвать требование об их предоставлении, уведомив об этом кредитора, Банк России рекомендует кредиторам рассматривать вопрос об отказе заемщика от кредитных каникул и после уведомления кредитором заемщика о предоставлении кредитных каникул, но до даты начала льготного периода, определенного в требовании. В этом случае запрошенные кредитором документы предоставлять не нужно, а отзыв требования о предоставлении кредитных каникул не должен препятствовать повторному обращению заемщика с требованием о предоставлении кредитных каникул. Банк России отдельно напомнил кредитным организациям, что указанные рекомендации не влияют на требования по резервированию. В части создания резервов кредитным организациям рекомендуется руководствоваться письмом от 17 апреля 2020 г. № ИН-01-41/72.
_____________________________
1 С информацией Банка России от 2 июля 2020 г. можно ознакомиться на официальном сайте регулятора (https://www.cbr.ru/press/event/?id=6890).
Hello! I know this is kinda off topic but I was wondering which blog platform are you using for this website? I’m getting sick and tired of WordPress because I’ve had problems with hackers and I’m looking at alternatives for another platform. I would be fantastic if you could point me in the direction of a good platform.
Hello! I just would like to give a huge thumbs up for the great info you have here on this post. I will be coming back to your blog for more soon.
Wow, incredible blog format! How lengthy have you been blogging for? you made blogging glance easy. The entire glance of your site is great, let alone the content!
Howdy would you mind stating which blog platform you’re working with? I’m looking to start my own blog in the near future but I’m having a hard time deciding between BlogEngine/Wordpress/B2evolution and Drupal. The reason I ask is because your design and style seems different then most blogs and I’m looking for something unique. P.S Apologies for being off-topic but I had to ask!
Hi there, i read your blog from time to time and i own a similar one and i was just wondering if you get a lot of spam responses? If so how do you protect against it, any plugin or anything you can advise? I get so much lately it’s driving me crazy so any support is very much appreciated.
Enjoyed reading this, very good stuff, thanks. «I will do my best. That is all I can do. I ask for your help-and God’s.» by Lyndon B. Johnson.
I was wondering if you ever thought of changing the structure of your blog? Its very well written; I love what youve got to say. But maybe you could a little more in the way of content so people could connect with it better. Youve got an awful lot of text for only having one or 2 images. Maybe you could space it out better?
you are actually a good webmaster. The site loading pace is incredible. It sort of feels that you’re doing any unique trick. In addition, The contents are masterwork. you have done a magnificent job on this matter!
hi!,I really like your writing so so much! proportion we keep in touch more about your post on AOL? I require an expert in this house to unravel my problem. May be that is you! Looking ahead to peer you.
Hello.This article was really remarkable, particularly because I was looking for thoughts on this issue last Saturday.
Woah! I’m really loving the template/theme of this site. It’s simple, yet effective. A lot of times it’s challenging to get that «perfect balance» between usability and visual appeal. I must say that you’ve done a very good job with this. Also, the blog loads super quick for me on Chrome. Superb Blog!
wonderful submit, very informative. I’m wondering why the other experts of this sector don’t realize this. You must proceed your writing. I am sure, you have a huge readers’ base already!
Some truly fantastic information, Gladiola I found this. «No men can be lords of our faith, though they may be helpers of our joy.» by John Owen.
I discovered your blog site on google and check a few of your early posts. Continue to keep up the very good operate. I just additional up your RSS feed to my MSN News Reader. Seeking forward to reading more from you later on!…
I discovered your blog site on google and check a few of your early posts. Continue to keep up the very good operate. I just additional up your RSS feed to my MSN News Reader. Seeking forward to reading more from you later on!…
Hiya, I’m really glad I have found this info. Nowadays bloggers publish just about gossips and web and this is really frustrating. A good web site with exciting content, this is what I need. Thanks for keeping this site, I’ll be visiting it. Do you do newsletters? Can not find it.
Would love to forever get updated outstanding weblog! .
sea cafe ambience
Precisely what I was looking for, regards for putting up.
Some genuinely good posts on this internet site, thanks for contribution.
hello there and thanks for your information – I’ve certainly picked up anything new from right here. I did alternatively expertise some technical issues using this site, since I skilled to reload the site a lot of instances previous to I may just get it to load properly. I had been considering in case your hosting is OK? No longer that I am complaining, however sluggish loading circumstances instances will often impact your placement in google and can damage your high-quality rating if ads and ***********|advertising|advertising|advertising and *********** with Adwords. Well I’m adding this RSS to my e-mail and can glance out for a lot more of your respective fascinating content. Ensure that you replace this once more very soon..
Hello, i think that i saw you visited my website so i came to “return the favor”.I am attempting to find things to enhance my website!I suppose its ok to use a few of your ideas!!
Hi my loved one! I want to say that this article is awesome, nice written and include almost all significant infos. I would like to look extra posts like this .
Great line up. We will be linking to this great article on our site. Keep up the good writing.
Throughout the great scheme of things you’ll receive a B+ for hard work. Exactly where you lost me was first on your specifics. As they say, details make or break the argument.. And that couldn’t be much more correct at this point. Having said that, let me reveal to you just what exactly did do the job. The text can be really powerful which is most likely the reason why I am making the effort in order to opine. I do not make it a regular habit of doing that. Next, even though I can see a leaps in reasoning you make, I am definitely not certain of exactly how you seem to connect your ideas which produce your conclusion. For now I will, no doubt subscribe to your issue however trust in the future you connect the facts much better.
Wow, incredible blog layout! How long have you been blogging for?
you make blogging look easy. The overall look
of your site is wonderful, as well as the content!
Some really nice stuff on this internet site, I enjoy it.
Wohh just what I was searching for, appreciate it for posting.
What Is FitSpresso? As you may know, FitSpresso is a natural weight loss supplement that comes in capsule form.
What Is Puravive? Puravive is a natural weight loss supplement that is known to boost the metabolic processes of the body.
Whats up very nice web site!! Man .. Excellent .. Amazing .. I will bookmark your website and take the feeds additionally…I’m happy to seek out so many useful info here in the put up, we’d like develop extra techniques on this regard, thanks for sharing.
I’ve been browsing online more than 3 hours today, yet I never found any interesting article like yours. It’s pretty worth enough for me. Personally, if all site owners and bloggers made good content as you did, the net will be much more useful than ever before.
What i do not realize is actually how you are not actually much more well-liked than you may be right now. You’re very intelligent. You realize thus significantly relating to this subject, made me personally consider it from a lot of varied angles. Its like men and women aren’t fascinated unless it is one thing to accomplish with Lady gaga! Your own stuffs great. Always maintain it up!
you will have an ideal weblog here! would you prefer to make some invite posts on my weblog?
Would you be thinking about exchanging links?
Sight care is a vision enhancement aid made of eleven carefully curated science-backed supplements to provide overall vision wellness.
Great – I should definitely pronounce, impressed with your website. I had no trouble navigating through all tabs and related info ended up being truly easy to do to access. I recently found what I hoped for before you know it in the least. Reasonably unusual. Is likely to appreciate it for those who add forums or something, web site theme . a tones way for your client to communicate. Excellent task.
Lottery Defeater is an automated, plug-and-plug lottery-winning software.
Excellent read, I just passed this onto a colleague who was doing a little research on that. And he actually bought me lunch since I found it for him smile So let me rephrase that: Thanks for lunch!
The next time I read a blog, I hope that it doesnt disappoint me as a lot as this one. I mean, I know it was my option to learn, but I actually thought youd have something interesting to say. All I hear is a bunch of whining about one thing that you could repair should you werent too busy looking for attention.
What i don’t understood is in fact how you are not actually much more neatly-liked than you might be now. You are so intelligent. You already know thus significantly relating to this topic, made me in my opinion imagine it from numerous varied angles. Its like women and men don’t seem to be interested unless it’s one thing to do with Woman gaga! Your personal stuffs great. All the time maintain it up!
It?¦s really a cool and useful piece of information. I am glad that you simply shared this helpful info with us. Please keep us informed like this. Thank you for sharing.
you are in reality a good webmaster. The web site loading speed is incredible. It sort of feels that you are doing any unique trick. Also, The contents are masterpiece. you’ve performed a great process in this matter!
Good post but I was wondering if you could write a litte more on this topic? I’d be very thankful if you could elaborate a little bit more. Thank you!
I’d constantly want to be update on new blog posts on this internet site, saved to favorites! .
Renew: An Overview. Renew is a dietary supplement formulated to aid in the weight loss process by enhancing the body’s regenerative functions
Amazing! This blog looks exactly like my old one! It’s on a entirely different subject but it has pretty much the same page layout and design. Wonderful choice of colors!
I think this is among the most important info for me. And i am glad reading your article. But want to remark on some general things, The web site style is ideal, the articles is really nice : D. Good job, cheers
Some really good info , Gladiolus I detected this. «Three things you can be judged by your voice, your face, and your disposition.» by Ignas Bernstein.
What is Aizen Power? Aizen Power is an all-natural supplement to improve overall male health.
Its such as you learn my thoughts! You appear to grasp a lot approximately this, like you wrote the e-book in it or something. I believe that you simply could do with some p.c. to force the message home a little bit, but other than that, that is excellent blog. A fantastic read. I’ll certainly be back.
Very great visual appeal on this site, I’d rate it 10 10.
Hey There. I discovered your blog the use of msn. That is a really smartly written article. I will be sure to bookmark it and return to learn more of your useful information. Thank you for the post. I will certainly return.
hey there and thank you for your information – I have definitely picked up anything new from right here. I did however expertise some technical issues using this web site, since I experienced to reload the site many times previous to I could get it to load correctly. I had been wondering if your hosting is OK? Not that I am complaining, but slow loading instances times will sometimes affect your placement in google and could damage your quality score if advertising and marketing with Adwords. Well I am adding this RSS to my e-mail and can look out for much more of your respective exciting content. Make sure you update this again very soon..
I think that is among the most important information for me. And i’m happy reading your article. However want to observation on some normal issues, The web site style is ideal, the articles is truly excellent : D. Excellent activity, cheers
A lot of of what you mention happens to be astonishingly legitimate and it makes me ponder the reason why I had not looked at this with this light before. Your article truly did switch the light on for me as far as this particular issue goes. Nonetheless at this time there is actually one position I am not too comfortable with and whilst I try to reconcile that with the actual core theme of the position, let me see just what all the rest of the subscribers have to say.Nicely done.
Rattling instructive and fantastic body structure of articles, now that’s user pleasant (:.
Have you ever considered about adding a little bit more than just your articles? I mean, what you say is important and everything. However imagine if you added some great photos or videos to give your posts more, «pop»! Your content is excellent but with pics and videos, this website could undeniably be one of the very best in its field. Awesome blog!
You are my breathing in, I own few blogs and very sporadically run out from to brand.
whoah this blog is great i love reading your posts. Keep up the good work! You know, lots of people are hunting around for this info, you could help them greatly.
What Is Java Burn? Java Burn is a natural health supplement that is formulated using clinically backed ingredients that promote healthy weight loss.
I liked as much as you will obtain carried out proper here. The comic strip is attractive, your authored material stylish. however, you command get got an impatience over that you want be handing over the following. in poor health undoubtedly come more beforehand once more since exactly the same just about a lot frequently within case you shield this hike.
I am glad that I noticed this site, just the right information that I was looking for! .
I truly appreciate this post. I’ve been looking all over for this! Thank goodness I found it on Bing. You have made my day! Thx again
This website can be a walk-through for the entire data you wished about this and didn’t know who to ask. Glimpse here, and you’ll positively uncover it.
Hi there very cool web site!! Man .. Excellent .. Superb .. I will bookmark your site and take the feeds also…I’m glad to seek out so many helpful info right here in the put up, we need develop more strategies in this regard, thank you for sharing. . . . . .
Great work! This is the type of info that should be shared around the web. Shame on Google for not positioning this post higher! Come on over and visit my website . Thanks =)
Have you ever thought about adding a little bit more than just your articles? I mean, what you say is fundamental and everything. But think about if you added some great visuals or video clips to give your posts more, «pop»! Your content is excellent but with pics and videos, this blog could undeniably be one of the best in its niche. Good blog!
Attractive section of content. I just stumbled upon your web site and in accession capital to assert that I get in fact enjoyed account your blog posts. Anyway I’ll be subscribing to your feeds and even I achievement you access consistently rapidly.
Hi! This post could not be written any better! Reading through this post reminds me of my old room mate! He always kept chatting about this. I will forward this article to him. Pretty sure he will have a good read. Thanks for sharing!
I like what you guys are up too. This kind of clever work and coverage! Keep up the superb works guys I’ve added you guys to my blogroll.
Nice post. I used to be checking continuously this weblog and I’m impressed! Very helpful information specially the remaining section 🙂 I deal with such information much. I was seeking this particular information for a long time. Thank you and best of luck.
Yay google is my world beater aided me to find this great site! .
I believe you have mentioned some very interesting details , thankyou for the post.
I like this weblog very much, Its a really nice office to read and receive information.
This actually answered my drawback, thank you!
Thanks for every other informative web site. The place else may I get that kind of info written in such an ideal method? I have a challenge that I am simply now working on, and I’ve been on the look out for such info.