MOSCOW, August 21 The Ministry of Finance supports the provision of «credit holidays» to large families, but believes that the borrower's income will fall by 15% per month in comparison with the average monthly income for the last year is not a sign of difficulties in fulfilling his loan obligations, follows from a letter from Deputy Finance Minister Vladimir Kolychev to Yana Lantratova, First Deputy Chairman of the State Duma Committee on Education (available).
In July, Lantratova turned to Deputy Prime Minister Tatyana Golikova with a request to consider her initiative to establish favorable conditions for large families to receive credit holidays. She proposed to establish that a borrower with many children may qualify for a credit holiday if his income has decreased by more than 15% in the month preceding the application, compared with the average monthly income for the previous year.
«We believe that the decrease in the borrower's income for the month preceding the application to the creditor by 15 percent compared to the average monthly income for the previous year, in itself (excluding the debt burden indicator), does not indicate a significant decrease in solvency and the presence of difficulties in fulfilling the adopted the borrower assumes obligations … we inform about the support of the idea of a comprehensive study of the issue of providing «credit holidays» to large families, «Kolychev's letter says.
The Ministry of Finance also drew attention to the fact that a decrease in income for only one month preceding the corresponding appeal does not always indicate difficulties in fulfilling credit obligations.
«Such a decrease in income may be the result of temporary disability, short-term leave without pay, deprivation of motivational payments due to disciplinary offenses, a seasonal decrease in the income of an individual entrepreneur, as well as many other events, the occurrence of which in some cases depends from the will of the borrower or can be predicted by him,» the letter says. .ru/20230504/tsentrobank-1869584346.html» data-title=»The Central Bank explained how participants in the special operation can arrange credit holidays»>