Antimonopoly authorities have proposed to simplify mortgage refinancing

Antimonopoly authorities have proposed to simplify mortgage refinancing

      Andrey Kashevarov, Deputy Head of the Federal Antimonopoly Service of the Russian Federation, noted during the annual meeting with the management of the Bank of Russia that currently, when refinancing a mortgage loan, a borrower may incur material costs when transferring to another bank, since he needs to pay a new loan at an increased interest rate for a long time, which is not yet secured by a mortgage.

      In order to prevent delays, antimonopoly authorities propose setting a deadline for the previous credit institution to provide information to the registration authority for the repayment of the mortgage registration record and a deadline for issuing the necessary documents to the borrower.

      The agency also proposed to provide for the introduction of an obligation for the previous lender to provide the borrower with information on the amount of debt on the planned repayment date of the mortgage in full. To do this, as the antimonopoly authorities noted, it is necessary to develop and amend the Law on Consumer Credit.

      According to the service, the implementation of these initiatives will eliminate the possibility for the original lender to delay the deadline for providing the necessary documents to the borrower and thus increase his expenses.

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Antimonopoly authorities have proposed to simplify mortgage refinancing

The Federal Antimonopoly Service of the Russian Federation proposes to simplify the transfer of borrowers to service a mortgage loan to another credit institution.