How to arrange a credit vacation at Sberbank in 2020

2024 Author: James Gerald | [email protected]. Last modified: 2023-12-17 14:00

The coronavirus pandemic has led to the need to introduce emergency measures to prevent the spread of infection. The latest news reported on the Presidential Decree on credit vacations. Sberbank has already announced the conditions on how to issue a deferral in 2020.

Presidential Decree on Credit Holidays

The latest news reported on the provision of credit holidays to citizens and organizations due to the coronavirus. President of the Russian Federation V. V. On March 25, Putin made an appeal to the citizens of the country, in which he voiced the need to introduce measures to support the country's population.

They will affect everyone who was forced to stop working and observe isolation. The Presidential Decree provided for measures to support the nation due to the coronavirus in 2020 with unpredictable and tragic consequences.

In his address to citizens, the President listed important steps that are aimed at minimizing the financial consequences of the epidemic:

• change in the calculation of sick leave payments in 2020 at least until the end of the year;
• credit holidays - a deferral for mortgage and consumer loans for those who began to earn 30 percent or more less (this applies to individuals);
• deferral of taxes for small and medium-sized businesses, and for some structures and insurance premiums;
• 6-month moratorium on the collection of debts and fines by creditors, the launch of bankruptcy proceedings.

The presidential decree provides for some measures to collect additional funds to support those who are on sick leave, in forced isolation, as well as with children due to the closure of children's educational institutions. This will be an increase in the amount of tax on funds withdrawn to offshores, as well as the introduction of a tax on interest on large deposits.

The latest news in Russia reported that, according to the Decree of the President of Russia, the State Duma adopted the Law on Credit Holidays. This is an important document, which is amending the current laws in order to provide citizens with financial support in a difficult period for all.

The law, the need for which arose in 2020 due to the coronavirus, was quickly prepared by deputies of various factions and adopted on April 1. Only a few days have passed since Vladimir Putin's address on March 25.

Conditions for obtaining

The law adopted by the State Duma in 2020 will not affect everyone who has mortgage and loan arrears. The head of the Financial Market Committee under the State Duma A. Aksakov explained that credit holidays will be provided to individuals and entrepreneurs whose monthly income has decreased by a third or more due to the coronavirus.

The government is working to compile a list of industries that have suffered significant damage due to the pandemic. Representatives of mainly small and medium-sized businesses will definitely have the right to a postponement. At the time of the President's appeal, an order had already been given to the Central Bank, which formed a letter of recommendation on the need to extend the loan to the borrower without repressive measures and penalties.

Since the adoption of amendments to the current legislation (the so-called Law on Credit Holidays), borrowers who find themselves in a difficult financial situation can apply to banks and other credit organizations on completely legal grounds.

How to apply at Sberbank

Almost immediately after the President's address to the citizens, the latest news reported that some Russian banks are ready to fulfill the President's instructions. The official website of Sberbank published an appeal from the Head of one of the largest and most reliable financial institutions in Russia, German Gref.

It noted the readiness to provide credit holidays on an individual basis, without waiting for the adoption of the law, for up to 6 months in 2020. There will be no problems how to arrange in connection with the isolation regime or being in quarantine. You can contact the bank's website to complete the corresponding application, since all clients serviced by Sberbank have such an opportunity.

They said that they are ready to consider applications from citizens who are sick and are being treated, as well as from those who are forced to stay in quarantine or self-isolation. Sberbank also reports on the possibility of respite and refinancing for those who cannot qualify for credit vacation benefits - that is, their income has not decreased by thirty percent or more. When contacting now, the first payment will be postponed to the end of May.

From the information posted on the official website, you can get a clear idea of how to arrange a legal respite for payments:

1. The borrower must provide proof that he was really affected by a dangerous epidemic. Since there is no clarification on the official website on how to confirm the plight at Sberbank, experts advise to check with the bank's consultants.
2. The borrower may receive a grace period for other reasons. For example, conscription, maternity leave, temporary incapacity for work - all this implies the impossibility of earning income in a certain period, and therefore, taking advantage of the break.
3. The easiest way to arrange the necessary service during an epidemic is to contact through an online service. This will allow you not to contact people on the road or in the institution. In addition, in some cities, personal presence is difficult due to the inability to get there by city transport.

The required documents can be submitted as scanned documents. You can get credit holidays due to coronavirus on sick leave (with a diagnosis of coronavirus, with a quarantine code, with a certificate from a hospital or clinic confirming the fact of the disease).

The basis for a credit vacation is a certificate of leave at their own expense due to an epidemic issued by the employer, dismissal from work due to the diagnosis of SARS-CoV-2 (this requires a work book). Alternatively, you can use a certificate from the tax office or from the employer, confirming the fact of loss of income.

There are no special secrets on how to get a loan deferral due to coronavirus. There may be some nuances - a bank employee has the right to demand the original document, the submitted papers have a term of use. But if everything is in order, there will be no obstacles.

Summarize

The Law on Credit Holidays provides for a grace period if:

1. The borrower has indeed suffered individually for health reasons.
2. A person was sent on vacation at his own expense due to the termination of the activities of an organization or enterprise in a difficult epidemiological situation.
3. The enterprise belongs to the list compiled by the Government, that is, it worked in an industry affected by the epidemic.
4. There are other opportunities to get a grace period, and Sberbank also offers them.