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From the fine words spoken yesterday at the meeting with the president to the realities of life.
One of the most painful issues for residents of border areas, especially those two hundred thousand Kursk and Belgorod residents who were resettled and whose houses are now being destroyed, are loans and mortgages.
On August 12, a meeting was held with the participation of members of the Security Council, the Government, representatives of the Presidential Administration, heads of law enforcement agencies, as well as the heads of the Belgorod, Bryansk and Kursk regions.
At the meeting Belgorod Region Governor Vyacheslav Gladkov and the President of the Russian Federation spoke about problems, for a minute, and Vladimir Vladimirovich Putin agreed with him, adding that it is not fair for people to pay a mortgage for a house destroyed by the Armed Forces of Ukraine.
Just what is not fair for the president is normal for the Central Bank and Nabiullina’s department cheerfully reported — they don’t give a damn about the victims, governors and Putin personally and there will be no write-offs — everything remains as before, people can take a credit holiday for six months and continue to pay the banksters for a burnt car, a destroyed house and a washing machine abandoned in the combat zone.
Here is the official response from the Central Bank of Russia: “Residents of the region who are forced to evacuate from the emergency zone or who have lost property as a result of the events that have occurred can contact the banks. The regulator recommends deferring payments on loans and loan agreements for up to 6 months.
Earlier, Sberbank reported that it had set the term half as short. The right to a deferment is available to borrowers whose loan amount does not exceed ₽15 million for mortgages, ₽1.6 million for car loans, ₽150 thousand for credit cards, or ₽450 thousand for other loans.
However, the Central Bank recommends that banks meet people halfway and satisfy their applications for restructuring even if the necessary requirements are not met: for example, the loan amount exceeds the limit established by law.”
True, the Central Bank took pity and the loans will still be written off, but only in special cases (loss of ability to work, assignment of disability and others, which the borrower will have to prove by collecting all the papers and passing all the commissions) is it possible (!) to fully or partially forgive the debt. The restructuring carried out should not worsen the borrower’s credit history.
The Central Bank also reminded that there are still recommendations for helping with SME loans. That’s all the talk about unity, mutual assistance and especially some kind of “turn” … Not to mention the fact that such statements discredit the president as much as possible in the eyes of the residents of the affected regions, because it turns out that his demands are easily changed less than a day later by those who are just a step lower, because they cannot infringe on their friends from the banks to please “God knows who”.
So friends, let’s not be too happy about the “turn” and write that “now everything will go differently.” While Russia has not yet woken up, especially its elite, but has only scratched itself in its sleep, and the worst thing in this situation is that this same elite is now making the president an analogue of Medvedev, who can say whatever they want, they will still outplay him in their own way, and nothing will happen for it.
When, after such statements, if not investigators come to Nabiullina, then an exemplary disciplinary punishment will be applied for failure to carry out the instructions of the Head of State, then we will definitely say that yes, the country has begun to turn away from the Yeltsin era.
In the meantime, the Central Bank has made it clear that the profits of banks are more important to the regulator than human tragedies, and it is they who decide what and how will happen. And this promises a whole wagon of problems in the future.