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That who takes the credit, not çàñòðàõîâàí from troubles or misfortunes. Concluding the credit contract on the mortgage, the borrower always thinks about good — house warming, pleasant cares on arrangement of the house. In bank just in case expect the worst and estimate how to return the money if the borrower is not able to extinguish the credit. Such at them work. If to not secure itself against possible risks, in a crisis situation the bank remains without money, and its employees — without work. So happens in the autumn in the USA. The one who takes the credit, not çàñòðàõîâàí from troubles or misfortunes. It is possible to get in failure, ñëå÷ü with a heart attack, to appear in hospital for some months, to become the invalid. It is clear, that in such situation not everyone will manage to maintain operation schedule for payments under the credit. Happens also irreparable: the person perishes or dies for any reason. Its family remains in private with bank in which the apartment is incorporated.
These cases the most tragical, but at the same time the least problematic from the point of view of consequences as such situations are provided with the insurance which the borrower makes out simultaneously with the credit. Payments after it are carried out mainly in favour of bank. Only if the rest of a duty by the moment of approach of insurance compensation will appear less sums of the put insurance premium, a difference will give out to the borrower.
The insurance costs dearly
In case of death or disability (absolutely or for long term) the insurance company undertakes to pay to bank the rest of its duty, or a part of this duty (if disability will be recognized time and through any term the borrower can extinguish the credit independently). The apartment, accordingly, remains in the property of the borrower or its family. « The insurance allows to protect property interests of all participants of the hypothecary transaction: both the creditor, and the borrower, (ñîçàåìùèêà if it is), both the guarantor, and members of their families », — are made comments by the chief of a department of the center of complex insurance of financial risks of company " ÐÎÑÍÎ " Vitaly Us.
By the way, some banks go further — demand çàñòðàõîâàòü a life and health not only the borrower, but also all members of its family — the wife and children. In fact happen with them serious troubles, the borrower inevitably will have problems with money.
If trouble has happened with an apartment, for example, there was a strong fire, the financial position of the borrower too can suffer. But also here the insurance will come to the aid. « According to the legislation on the mortgage, the real estate, being a subject of the mortgage, is necessarily insured against risk of loss (destruction) or damage », — explains Century the Moustache. The insurance company will extinguish the rest of a duty to bank instead of the borrower. Certainly, on the ashes not especially it would be desirable to be pleased for bank which will not lose and in such circumstances. Thus anybody will not pay the insurance to the borrower. But to remain with the broken trough with the credit for a neck would be much more sad.
Step number one
To receive insurance payments, it is necessary to address in the insurance company with the application that there has come an insurance case. Certainly, it is required to show the documents confirming, that you had a misfortune and that it is included into the list of the insurance cases specified in the contract. From these documents it should be clear, what size of the loss. The list of documents is defined in the contract of insurance.
« Insurance payment on property insurance is made at a rate of the suffered loss, on personal insurance — at a rate of the established insurance sum », — specifies Century the Moustache. The insurance company translates bank of money on account of a duty of the borrower on the basis of the information in which the size of its credit obligations is specified.
If the borrower has not managed to give to the insurance company all necessary documents, insurances to it not. However, if there are no documents on the basis of which the sum of damage pays off, really to count for the certain average sum of insurance payment certain by experts of the insurance company.
In the contract other circumstances at which payments under the insurance do not shine are specified also. For example, if the deliberate deceit of the insurance company will be found out at the conclusion of the contract: granting of doubtful data about çàñòðàõîâàííîì the person, counterfeit documents on a state of health or on the real estate, especially about re-plannings, the civil work, available claims, claims from the third parties and ò. Item
Before to pay money, the insurance company will carefully check up validity of the application — whether really the insurant has suffered losses, whether also the truth on compensation of damage is required the sum specified by it.
Precisely also the insurance should indemnify in case of destruction of the house. Company " ÐÎÑÍÎ ", for example, brings in the insurance contract even such risk, as causing of a material damage at falling on your house of the flying device — direct influence of the case or parts of the case of the flying device, cargoes or other subjects falling from the flying device, and also influence air-shock wave, caused by movement of the flying device at falling.
Certainly, all you will not consider, therefore in each insurance contract there will be an item on force-majeur at which approach to count on indemnification of damage it is not necessary. For consequences of hit of the meteorite, casually flown ballistic missile or invasion of the termites-mutants devouring monolithic walls, the insurance company to answer does not gather.
Better the truth
Unfortunately, from all misfortunes not çàñòðàõóåøüñÿ. The borrower, its parents, the favourite nephew falls ill if not; there are problems with work at the borrower or its spouse. The life, alas, happens, is inventive and generous on unpleasant surprises. So, there were problems with repayment of the credit.
In such situation the main thing — to not panic. There are some moments which should be remembered. In many cases banks with understanding concern to problems of the clients but only if those inform on the arisen difficulties quickly and fairly. « First of all, the borrower should notify bank on problems, — the vice-president of board of bank « Õîóì explains the credit » Vladimir Gasyak. — In this case its actions will be characterized as a delay of payment, instead of as refusal of credit obligations ».
In practice, most likely, it will appear, that your problems especially do not excite anybody. The message that payment will not be brought in time, for any reason if it is not considered an insurance case, can cause in the bank clerk and a storm of indignation, and a languid parting word to try to find means and to not detain payment. It as to delay of one payment.
When it is a question of non-payments under the hypothecary credit, banks react not as an example more sharply, than in cases with consumer credits. If the last it is admissible almost unpunishedly «äèíàìèòü» on half a year in relation to the mortgage it will not pass. The patience of bank bursts in rub-four months, in fact at it on hands a strong trump — the right to realization of the incorporated real estate.
« At positive credit history we are ready to consider the application of the borrower for a delay of payments of payments on the basic duty for the term of about six months », — the chief of a department of consumer and hypothecary crediting Svedbanka Anita Berzinya makes comments. It is the most widespread variant: the borrower for the period of the difficulties receives the sanction to extinguish only percent. Further it or brings the passed payments in the term stipulated with bank, or restructures the duty — increases the size of monthly payments or ïðîäëÿåò term of repayment.
« The decision on re-structuring a duty is accepted individually, — marks Century Ãàñÿê. — In each concrete case the bank reveals potential opportunities of renewal of payment and offers the schedule of payments. The bank practice shows, that more often term of re-structuring does not exceed half a year ».
The main thing, that financial crisis not ïåðåðîñ in a credibility gap from bank. The client already significant term detains payments under the credit? Most likely indulgences will not give. The bank has the right to give up in a delay if its experts strongly doubt that the client will correct for the financial business not later than in half a year. Besides it not each bank practises the installments or a delay of payments. May be, what to wait longer for two-three months the creditor will not want.
We choose the ways
At occurrence of financial difficulties very important soberly to estimate scale of a problem: to estimate, your personal default will how much be tightened, fairly to admit to itself is a unexpected coincidence of circumstances or natural result of the attitude to a life? Depending on conclusions it is necessary to choose one of two possible ways.
If you are assured, that problems short-term and solved, it is not terrible to pass payments few times. Thus try to agree with bank: if credit history at you good, on couple of months of non-payments, probably, will look through fingers. « If necessary our client in written form explains the reasons of the insolvency then the parties in common try to find the conciliatory proposal, favourable to all participants », — the head of the block explains « Hypothecary crediting » the Alpha-bank Ilya Zibarev.
Other variant — to let matters drift. From bank will call or will write to find out, that happens, but two months before, possibly, will not reach. Certainly, then it is necessary to bring all the passed payments in view of ïåíè and the added penalties. So in a similar situation everyone operates in compliance with the habits — acts by the rules established by the credit contract or hopes on "perhaps".
If problems have long character, and the borrower is not assured, that will manage quickly to restore the solvency, better as much as possible quickly to notify bank on the developed situation. There first of all will suggest to sell independently the incorporated habitation to return the rest of a duty. The sanction about sale, as a rule, make out without delays, can even help to sell an apartment through the company.
The bank is interested in the prompt return of the money, that in a portfolio not «çàâèñ» the poor-quality credit. To the borrower too is unprofitable to delay sale of the mortgage as the duty daily grows because of penal sanctions. Besides being engaged in sale of habitation it is independent, the owner of an apartment will realize for it a greater sum, than bank at realization of the mortgage.
By the way, in banks usually appreciate a frank recognition and readiness of the client to meet, that, relieving the creditor from efforts with realization of the mortgage through court. Leaving amicably, to such client will suggest to return, if its financial position will recover, and to receive the hypothecary credit again. « We had a case when the borrower has understood that it will not be possible to extinguish a greater sum of the credit, has sold an apartment, and has there and then come to bank behind the hypothecary credit less », — deputy head of the center of hypothecary crediting tells the Absolute-bank Elena Voronina.
It is better to not disappear from bank
However not all clients in a difficult situation show the responsibility. Though hypothecary borrowers are distinguished with high consciousness, in a critical situation the some people lose a head and do nonsenses. « Banks carry people who long time do not leave on communication with bank to malicious defaulters, do not fulfil given by them the promise, give a false information, and also are not interested in the operative decision of problems », — lists Century.
At once we shall warn: to disappear from bank in this case — a deadlock way. Having waited for some months and not having received from the client of an intelligible explanation in occasion of non-payments, the bank will bring an action against it. And there will already pass the decision on realization of the mortgage on account of repayment of debts.
Besides cleanly moral discomfort from visiting court and not palatable dialogue with judicial police officers the malicious defaulter together with the habitation will lose also a decent part of its cost.
« If the bank is engaged in realization of the real estate it is on sale for a settling price which, as a rule, on 20–30 % below market », — emphasizes A.Berzinya. Accordingly, the owner of an apartment will receive on hands a difference between the sum of a duty to bank and the apartment obtained from sale by the sum that is much less than in the event that it would be engaged in realization independently. If in this situation in general though something will get to it … Besides the credit history will be irreparably spoiled — to take the new hypothecary credit it will be then practically impossible.
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