yesterday by the Verkhovna Rada has banned foreign currency loans to private individuals by a new scheme of restructuring of loans to banks sulyaschuyu losses as customers - discounts on the debt, but also introduced a moratorium on the alienation of declarative shelter from borrowers individuals. This Ukrainian debtors not to repay external debts ahead of schedule. Bankers recognize that many of the law lobbied to protect their interests. But it will not improve relations between banks and their clients, lawyers believe.

Yesterday

362 Deputy of the Verkhovna Rada adopted a bill number 3585, in the final version of which has a moratorium on forced evictions in 2009-2010 from the shelter, which is registered ipotekoderzhatel, if the interest on the mortgage loan agreement paid on time or with a maximum a delay of up to two months, as well as documenting resolved restukturizatsii issue debt with the bank on agreed terms.

Until the end of 2010, banks have had the right to restructure the debts of individuals on loans issued before 1 October 2008 for up to 1 million UAH, or in foreign currency equivalent to last year's rate of NBU. Freeze for the people and not for such as the Elite-Center. Restukturizatsiyu fall under all credit agreements that are not abused by all who want to, - explained the rule, First Deputy Chairman of VR Committee on Finance and Banking Stanislav Arzhevitin .

Banks can not allow borrowers to pay only for the body of the credit for up to two years to roll over loans from the financial situation of clients and change the mechanism of charging interest, so that part of the monthly payments to service the loan does not exceed 35% of the total monthly family income.

MPs have decided to encourage borrowers to repay loans, banks are obliged annually in five years to reduce to 0.25% of the principal amount of the debt disciplined customers, and losses from such discounts include in its gross expenditure.

Foreign currency loans

almost completely disappear from the market. Financial institutions will be able to issue credit in foreign currency to residents only to pay for treatment and study abroad, and only non-cash transfer to the account of non-residents. Entrepreneurs will be able to obtain foreign currency loans in non-cash form, and only with a monetary income.

limited the deputies and the outflow of currency from the country. Natural and legal persons not prematurely repay loans received from non-residents. Нацбанку suspend the registration of changes in contracts to bring their loans in foreign currency from non-residents relating to reducing the duration of the implementation of the resident borrower obligations under the treaties or their early performance - outlined in the law.

These changes have been made, so that people could pay for the credit and they do not become hopeless. Banks are required to restructure loans in the hope of their return - said co-author of the amendments to the bill deputy Oleg Lyashko.

bankers acknowledge that they lobbied the principal norms of the law by attempting to avoid imposition of a moratorium on the removal of actual apartments available to the debtor. This is something that offered by banks and by a deputy Yuri Poluneevym - said the chairman of the bank Forum Yaroslav Kolesnik.

We are already going on restukturizatsiyu loans, given the financial situation of borrowers, and are willing to follow the new restrictions - only to pay loans on time, - noted the chairman of the bank Khreshchatyk Dmitry Гриджук.

Bankers hope that the foreign creditors will understand the difficult situation with a retention rate hryvnia and will not be angered by the imposition of a ban on early repayment of foreign debts. Banks were left dissatisfied MPs forced to write off each year to 0,25% of the loan portfolio. We have a loyalty program for good customers. And if the MPs want to manage our income, they should limit the rate of return on deposits, - said Yaroslav Kolesnik.

Experts do not doubt that the law will come into force, given the constitutional majority of MPs voted for it, but it is believed that he only complicate the relationship between banks and borrowers.

As a general rule, the official average income of the family - 2-3 thousand UAH, and the monthly mortgage payment on $ 600-1200, - explained the legal counsel of Olga Demchenko and Partners Rostyslav Kravets .- No bank would not decrease payments on mortgages up to 1 thousand UAH, and break-even for themselves restukturizatsiey they are so involved. In addition, under this law the bank can achieve in the future of the borrower's eviction from the apartment.

Ruslan Black

Analysis - Results of the day
The Treasury wants to become Azarova
Depositaries depreciate
Ukrainian pipe going raspilit in three parts
Parallel economy
Analysis - Results of the day
Kommersant: Oil swung force
Milk and secretive war
Ukrainian banks are reducing the external debt