Date: 9 months ago   Category: Financial

Ukraine allowed to select apartments for debts again


The new Code according to procedures of bankruptcy repeals the moratorium on collecting apartments at defaulters on the credits. The new Code adopted by the Verkhovna Rada according to procedures of bankruptcy determines the five-year period of restructuring of the mortgage currency loans and repeals the moratorium on collecting apartments at defaulters on the credits. About it on Thursday, October 18, FinClub reports. "From coming into force of the present Code the law of Ukraine On the moratorium on collecting the property of citizens of Ukraine provided as providing the credits in foreign currency loses force", - it is said in the document. The moratorium was imposed in 2014 and led to the fact that very few people from currency borrowers serve the mortgage. At the same time the Code concerning bankruptcy introduces a five-year specific mode of restructuring of a currency mortgage. For example, requirements of the secured creditor which arose on the credit in currency are converted into hryvnia at the rate of the NBU on the opening day of case of insolvency and repaid by the debtor according to the plan of restructuring of 100% of the market value of the apartment or a house which is defined by the appraiser chosen as the creditor reports the edition. In case the total area of the apartment does not exceed 60 sq.m (or no more than 13,65 sq.m of living space on each member of the family of the debtor) or the total area of a house no more than 120 sq.m, then an interest rate for such plan of restructuring is established at the level of the Ukrainian index of rates on 12-month deposits of natural persons (UIRD), increased by 1 items. "The plan of restructuring consists for 15 years if other is not coordinated by the parties", - it is said in the Code. It is noted that now the UIRD index makes 15,36%. At the same time if the area of the real estate is more, then "the interest rate for such plan of restructuring is established at the level of the Ukrainian index of rates on 12-month deposits of natural persons (UIRD), increased by 3 items", and the plan of restructuring consists for 10 years. Let's note, for the end of September the debt of households to commercial banks made nearly 200 billion UAH. As it was reported, today Rada also approved the draft budget for the next year in the first reading. News from the Correspondent.netv of Telegram. Subscribe for our https://t.me/korrespondentnet channel

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