banks last week suggested moving to the same rules for restructuring and conversion of foreign currency loans in the hryvnia. June 3, the NBU adopted its recommendations, which most financiers viewed as a direct order and had already begun to revise their proposals to clients. According to the National Bank, first of all you need to provide incentives for the mortgage and credit issued for the production. Such sensitivity of bankers is one explanation: natsbankovskih rules for the implementation of a number of them rely poblazhek.

mortgage in priority

Banks began offering extension of the deadline for payment, credit and recalculation of the transfer of loans in foreign currency hryvnia even November-December 2008, increased the demand for such benefits was recorded in the first quarter of this year. Finuchrezhdeniya offers different conditions of revising the existing credit agreements, depending on the ability of each individual bank. Resolution of the same bank number 328, appeared a week ago, bankers were asked to lead the restructuring program to a common denominator.

This document is not an accident. NBU asked the banks reporting on the restructuring program as of April 1, and ascertain the situation of late. and the decision was the result of studying all this information, - explained the Chief of the Department of Risk Management VAB Bank Elena Domuz .

Decree NBU banks are encouraged to set priorities to restructure loans. First place in the queue for the benefits brought ordinary citizens, blanking mortgage loans.

National Bank offered finuchrezhdeniyam to restructure mortgage loans only to borrowers who live in the purchased home, which does not exceed 110 square meters. m. The amount of monthly repayment of loans to be restructured to be more than 30% of monthly income customer, - told Deputy Chairman of the Bank Khreschatyk Irina Skirchuk.

even with the mortgage borrowers are companies that produce products (anyone without restrictions). Second place, according to the criteria of the central bank, is given credit, natural persons registered for treatment or completion of construction, debt that does not exceed 200 thousand UAH. And payments account for more than 30% of the borrower. In the third department Vladimir Stelmakh put all other bank loans.

According to a new document on the restructuring will be able to claim only those who designed their loans before October 1st, 2008 Such loans shall be classified no lower than Bank of class B: The cost of mortgage allows you to repay the loan, but payments on it did not exceed 50-80 % income of the borrower. Condition of service of such loans could not be worse than the level of good or weak: according to current regulations for natural persons are loans with a delay of 7-30 days, yurlits - in 7-90 days. At the same time provide a deferral of credits allowed to count only when the documents proving that the client is unable to extinguish the debt on the old schedule.
National Bank Trust

recommended to extend the primary term of the total contract is not longer than two years, and repayment of principal (the body of credit) - no more than a year. At the same time, the regulator advised not to charge customers a fee for the restructuring of loans, as well as fines, penalties and damages, charged at the time of the decision to convertor convert the loan. NBU intends to monitor the process of restructuring the loans, so they demanded to provide him with information about this activity until September 7th, 2009 fully calculate the costs of banks on it.

restructuring in exchange for the benefits

In exchange for compliance with all of these conditions suggested that central wards a number of benefits. The banks started the restructuring of loans, can increase the loss of 6% per month. That is, they are given an opportunity to stretch out in time to NBU regulations. I think this will finuchrezhdeniyam to optimize the formation of reserves, but because for them would be beneficial, - said Irina Skirchuk.
Also

financiers are allowed to raise one level in the category of borrowers in the re-hryvnia or restructured loans, loans if service is defined as good and the payments on the loan and interest over the body are carried out at least once a month. It is estimated that financiers, such an approach would enable them to reduce the amount of mandatory reserves of credit transactions immediately by 10-15%.

Recently bankers actively launched loyalty program. As a rule, the basic terms of debt restructuring provides customer credit vacation or transfer the balance of the loan from one currency to another in order to minimize the currency risk for clients. In addition, for example, in our bank, in addition to generally accepted restructuring programs, a large popular event that allows reduce the interest rate on existing loans with early repayment of this debt, - the head of credit products for retail banking OAO AB Ukrgasbank Dmitry crocked.

However, despite the emergence of additional conditions for granting concessions, financiers welcomed the new instrument bank. Decree number 328 of central bank tried to streamline the process of restructuring of loans - so far the banks to independently determine principles and approaches in this field. Does not always offer the banks coincided with the wishes of customers, so that the new document will remove all the inconsistencies and put all points on the i - said the executive director of FG Consulting & Investments Dmitri Poddubny. Now, in a planned restructuring of banks interested in no less than the customers themselves, - supplemented by the Deputy Chairman of the Board of BG Bank Sergey Telegin. Informally financiers recognize that the rule review of existing credit agreements, prepodnesennye National Bank in the form of recommendations, it is also an attempt pristrunit banks, which in recent months, particularly to take over the process.

As the situation deteriorates to the repayment of loans, banks have become more than ever flexible. and extend the payments, and credit vacations, and conversion of loans into hryvnia offer, even without requiring confirmation of the deplorable situation of the borrower. Quite often that is not paid, not because no longer work, but only referring to the crisis. bankers rarely find time to check the real financial situation of the client, and only later learned that his physical condition has not changed - he just wanted to get a deferral of repayment, so as not to overpay for foreign currency loan at the beginning of the year (many were waiting for strengthening the hryvnia rate). Now these things will be approached with caution , - assured the vice-chairman of one of Kiev's banks.

According to the financiers, most actively for the delays and re-applied this year, ordinary Ukrainians. The proportion of restructured loans in the portfolio of natural persons of banks amounted to about 15% in corporate lending - about 10%. As for yurlits, if it was a default of counterparties, the average period of extension of loans to begin with three months. But when the loans were extended to investment program, he reached a half years , - commentedSergei Telegin. Length of credit

holidays ordinary borrowers located within three to six months. And in most cases, the Ukrainians were shot obligation to pay the loan the body, but are required to pay interest. In some cases, banks charge customers a fee for registration of restructuring: it fluctuated within 0,5-1% debt. In addition, when perepodpisanii loan agreements, they specify in their new agreements in the future to raise the interest rate on the loan: generally, it was a credit to rise 1-2% per annum, although in some cases - just 3-5%.

financiers make different predictions about the increase in the restructuring of loans after the entry into force of the new instrument bank. If current trends in the economy, we expect that the proportion of such debt this year will rise to 25-30% of the portfolio of corporate clients and up to 30-35% of loans granted to natural persons - expressed the optimistic Mr. Telegin. According to pessimistic forecasts until the end of 2009 the amount of restructured loans in potrebkreditovanii increase to 40-45% of loans, the lending yurlits - up to 35-40%.

Elena Lysenko

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