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Murder charges for appearing on the street for no reason, underground dancing, no kissing, bankrupt merchants and hoteliers. Italy is killing the economy trying to save its citizens. I live in Rome and in a growing nightmare. In Italy, the third day of national quarantine. The night before, Prime Minister Giuseppe Conte announced the closure of all retail, restaurants and bars, hairdressers and beauty salons. Only grocery stores and pharmacies remain open. The work of other enterprises should be maximally transferred to the remote Smart work format, only those for whom this is impossible remain to work. On the streets, control over the movement of citizens is increasing. And without these last measures, Italy was already almost all closed. Schools, universities, museums, stadiums, fitness clubs, cinemas are closed ... - any place that involves the slightest amount of people. All public events, including funerals, are prohibited. You can leave the house only for three reasons: work, health, or necessity (for example, to buy groceries), and you must carry with you a special application of the established form, in which you wrote why you left the house. People used the legal opportunity to play sports or walk in the open air, keeping a distance of one meter, but on the second day in some cities in the north, for example, in Milan, parks were also closed. And people also stopped talking about their losses due to the crisis. Because it's better not to think about it anymore. I still read comments on social networks that the coronavirus is no worse than the flu. I would like to show these commentators Italy, which is now, at this very moment, committing economic suicide, trying to somehow stop the spread of the epidemic. How the country will get out of the already obvious crisis will be decided later, but now there is another task - to prevent the number of seriously ill patients from becoming more than the healthcare system can withstand: every tenth coronavirus patient needs intensive care, primarily mechanical ventilation ... Therefore, I invite you to take the last walk with me, which I managed to do before the final home confinement. Illustrations # 1 February 23 Friends from Moscow come to me. We walk all day, and only late in the evening I learn that “red zones” have appeared in the north, the inhabitants of which were in quarantine. The coronavirus is already spoiling the lives of Italians: there are noticeably fewer tourists in Rome, but so far only the tourism-related business is suffering from this. The pharmacies have already run out of masks. And yet no one takes the quarantine itself seriously: neither we are in the capital, nor the northerners themselves. Later we learn about several escapes from quarantine: someone went skiing in the Alps, and someone waved to dance tango in Argentina. Both there and there later will be recorded new outbreaks of the disease. February 26 Acquaintances are increasingly talking about how the coronavirus restricts their work: someone missed a planned congress for 3,500 people in Umbria, someone had a promising business trip to Saudi Arabia (Italians are becoming less welcome guests every day) , someone has a contract for communication services for the filming of the film "Mission: Impossible". Our school, which has planned several tours to Russia this spring, has been canceled. A little later, I learn of the disruption of two deals for a chain restaurant and a regional food distributor. The Italian government offers various measures to support people in quarantine. In Italy, 153 people are infected with the coronavirus. Three died. 28 February The losses of hotels alone in March-May are estimated at over 7 billion euros. I am having lunch with an acquaintance who runs a spirits store near Plaza de España. He pays 10 thousand euros a month for rent, he has two sellers and hasn't bought a single purchase for a week. He says that if the whiskey festival, which is due to take place in mid-March, breaks down, then he is broke. The owner of the cafe where we dine complains that he has never seen so few tourists. In Italy, the coronavirus was found in 821 people. 46 recovered, 21 died. 1 March Italy canceled free admission to museums - traditional on the first Sunday of the month. The authorities are increasingly urging people to abandon the usual abbracci e baci, hugs and kisses, and even simple handshakes. Increasingly, there is a call to keep a distance of one meter. Coronavirus was found in 1,694 people. 83 recovered, 41 died. 4 March The government closes all schools and universities in Italy. This also applies to all private schools and courses - language, dance, etc. The ban also affected me, a teacher of Russian to Italians at a language school. Initially, it was assumed that the ban would last until March 15. And this is where it gets really uncomfortable. I called a friend who keeps a small B&B at the Colosseum, and half-jokingly suggest: - I'm ready to wash the toilets in your hotel, how much do you offer? - What are the toilets, Milena? I have a full cancellation until June. Not a single occupied room. All toilets are clean. Following the closure of dance schools and the banning of dance events of any genre, it is becoming known that several passionate tango lovers are organizing underground milongas at home. 3,089 cases of infection were registered. 279 people recovered, 107 died. 6 March Doctors in Milan and Bergamo are sounding the alarm that intensive care occupancy rates are approaching 40%. Friday night: A popular restaurant that you usually can't get to without a reservation at the end of the week. We go in - an empty room with two occupied tables. "Please sit down ... and wherever you want, sit there," - the waiter sadly gestures around the deserted restaurant. 4636 cases of infection. 523 people recovered, 197 died. March 7 It becomes known that the whole of Lombardy is going to be declared a "red zone" and any movement will be prohibited. Panic begins on social media. Children from the south storm the last trains and buses leaving Milan to go home to their parents. On the night of March 8, it becomes known that in addition to Lombardy, another 14 regions are being closed. The next morning, about 2,500 people will surrender to the authorities, but they will do so, having already landed in Puglia, Campania and other southern regions, as well as in Rome. Italians are furious: in the south, the medical system is poorly developed, and to escape from the closed developed Milan means to endanger their fellow citizens in the south. Italy has 5,883 cases of infection. 589 people recovered, 233 died. On March 8, the center of Rome cannot be called deserted: a day off and excellent weather drove people to the promenade. The Colosseum and the Forum are closed, there are 20 people around the Trevi Fountain, but the policeman says that the fountain is also going to be closed to the public. Romans and tourists dine on the street, and there is no question of any distance of one meter. In the evening, numerous photos of people sitting tightly on the terraces of restaurants will cause a harsh negative reaction from the authorities. Lombardy Crisis Center Coordinator Antonio Pesenti says there will be 18,000 patients in Lombardy alone by March 26, 3,000 of whom will require mechanical ventilation. 7,375 cases of infection. 622 people recovered, 366 died. March 9th I just finished my lesson with the only student I have left. He orders lessons from his office, so the administration of the language school decided that I could continue teaching him despite the closure of the school. I opened Facebook on the go and read an article that the coronavirus began to circulate freely in Rome and that in the coming days the number of patients will start to grow exponentially, promising to turn Rome into a kind of Milan. As if there weren't enough morning articles about how intensive care wards in Bergamo are already overcrowded and doctors have to make choices about who to save. “Like in war,” one of the doctors says in an interview. In the evening of the same day, statistics were updated: more than 1,000 new coronavirus infections per day. A couple more hours will pass, and Prime Minister Conte will announce the introduction of quarantine throughout the country. March 11 The second day of total quarantine. Today I have to leave my house: to give a Russian language lesson in the office of Company X in the center of Rome. This is the only remaining student - for the rest I give lessons on the school grounds, and the school is closed until April 3. No lessons, no money. Most of the teachers of private schools - language, dance, etc., found themselves in such a situation. And not only them: no work or no business - this is the reality with which many Italians will have to live when the virus recedes. To leave the house somewhere further than the nearest supermarket, I need a statement about the purpose of my movement. You need to download it on the website of the Ministry of Internal Affairs, print and fill out. There is no printer at home, and the absence of a statement makes me a little nervous: the authorities promise harsh punishment for his absence or falsification of information - from a fine of 206 euros to three months of arrest. To consolidate the effect, it was reported the night before that if a person with symptoms of coronavirus leaves the house (35% of those infected are treated at home), they promise to charge him with premeditated murder. In the season of the March colds and unfolding allergies, you begin to fear each of your sneezes, as luck would have it. Oh yes, the statement. The police have already reported on the results of the first day that they caught several offenders, but treated them condescendingly, giving "time to swing." From my acquaintances on the first day, they did not stop anyone, but knowing my luck, I still get nervous. Fortunately for me, today my school will have a secretary as we prepare to bring classes online. Officially, while the quarantine will last until April 3, but more and more talk is heard that it will be extended until Easter, that is, April 12. Therefore, I am going to school to print the application and put a stamp on it for reliability. There are very few cars, and even fewer pedestrians. I seem to be lucky. Having printed out the certificate, I walk on foot to the lesson. Probably never before had Rome been so deserted in daylight. Stories about neutron bombs from early childhood during the Cold War involuntarily come to mind: the buildings are intact, but there are no people. Beautiful, but uncomfortable: Rome is difficult to separate from the constant noisy crowd. The strict quarantine lasts the second day. But the effect is already there. At least on the streets. In medical statistics, he will appear in two weeks, the Prime Minister said in the evening. The Italians, who until recently ignored the calls for isolation and the Io resto a casa campaign launched by the authorities, “I stay at home,” finally realized the gravity of the situation. Inspirational posts are created on social networks about how strong hugs will be after a long separation (hugs and kisses, traditional for southern culture, upon meeting were banned two weeks earlier) and how together we will finally have lunch with a large company. Lying on the couch becomes an act of patriotism. The hashtag #iorestoacasa turns into an act of civic awareness. And no matter how loud it sounds, finally it really is. There have been noticeably fewer people in the city over the past week. The Romans rejoiced and recalled the vacation season in the second half of August, when the city dies out. But now, under quarantine, the number of people has decreased significantly: tourists return home, and Italians have no time for walks. I walk through empty streets with rare pedestrians. Many shops have already closed, although the official ban will only be announced in the evening. Numerous restaurants on my way are also closed. Including the noisiest one, near the office where I go. Over the past two days that I was not here, posters about the coronavirus have appeared on the glass doors of the office center where my student works. On the elevator - a warning that you can use it only one at a time. The city may be even deserted, but the main thing for me is that the company where my student works remains open, although it has transferred half of the staff to remote work. It's also a legal way for me to get out into the city. Each company has decided on the issue of work in recent days in its own way: IT companies were the first to switch to remote work, and someone was forced to do this urgently, "thanks" to the fact that a colleague from Milan looked into the office; engineering and architecture studios have smoothly brought the work to one day in the office, but acquaintances from corporate banking, for example, say that they still go to work in full force. The promotion of remote work, Smart working, is gaining momentum, so that laptop purchases have grown by 50%. At least someone has benefited from what is happening. For those for whom remote work is impossible, the employer offers other conditions that are not always pleasant. An acquaintance of mine who works as a saleswoman in a luxury clothing store has to take two extra days off each week as part of her vacation. Her annual leave will end faster than quarantine. The lesson is over. On the way home I turn to Termini main station: there is a huge queue of taxi drivers and not a single potential client, rare passengers, half of the shops and almost all cafes are closed. This makes the train station darker than usual. If the deserted center is beautiful in the bright rays of the spring sun, then the half-empty and half-dark station acts depressingly. I'm in a hurry to go home. In my area, I finally see people, and in much larger numbers than in the center. At first I am surprised at such a stir, and then I understand: people maintain a distance of one meter from each other, and in most small shops this can be done only by waiting outside. There is a queue in front of the entrance to the supermarket, because only a small number of people can be inside. The distance between people is more than a meter. At the entrance to the store, they give out disposable gloves: you can only be in them inside. Almost at every counter there are yellow flyers about the need to keep your distance. Meanwhile, WHO announces the start of the coronavirus pandemic. It would seem like a good time to shop online, but unfortunately, not only me think so. On Thursday morning, March 12, the delivery time for groceries in Rome is extended to 12 days. In the meantime, on Wednesday evening, I am listening to another speech by the Prime Minister about the next tightening. Not to say that they were a big surprise, from the very first day of quarantine, the governors of the northern regions, primarily the head of the most affected Lombardy Attilio Fontana, proposed to introduce, at least in the most affected areas, a total ban on any commercial activity, leaving only grocery stores open and pharmacies, and cut down on public transport to maximize the isolation of citizens. Say, there is no point in quarantine as long as people go to work every day. "There will be no blind race to the abyss," the prime minister replied on Thursday evening, introducing new restrictions, but adding that even an increase in the incidence in the coming days does not mean an immediate further tightening: two weeks must pass before the results from quarantine become noticeable. He also especially emphasized that banks and insurance companies remain open, that production can continue to work, providing maximum security measures for its employees, and, most importantly, supermarkets will operate smoothly. Italy has 12,462 cases of coronavirus infection. 1,045 people recovered, 827 died. March 12 I was woken up by a call from the secretary from the Russian language school where I teach. - Milena, cancel all lessons with H. - Why? - Additional restrictions have been added, now you can go to work only if it is so specific that you cannot avoid going to it. The rest can only leave the house to the store and the pharmacy. Control increased: I myself was stopped for a run in the morning and told to return home. By midday, seven people were arrested in Rome for violating the quarantine regime and 43 were fined. 15,113 cases of the disease, 1,258 people recovered, 1,016 died, 1,153 are in intensive care. Milena BAKHVALOVA, Banki.ru

12.03.2020 ? Seven troubles - one chargeback. How much more can you squeeze out of defrauded investors?

Russians who have suffered from financial fraudsters are offered to return their money using the chargeback procedure. How realistic is it and how much do those who offer it earn? Refunds with and without guarantee “Broker stole money? Let's return! " "We will return the money with a guarantee!" "Chargeback - we will refund your money under the guarantee of the Visa system." Numerous law firms are making similar promises to victims of financial fraudsters. One has only to type in the search engine "Forex scammers", "chargeback" or just the name of the company that appeared in the lists of "black brokers". Chargeback, or chargeback, is a procedure for protesting a transaction made with a bank card. For example, if you ordered a product in an online store, but it was not delivered to you. In this case, the bank that issued the card can contact the payment system (Visa, Mastercard), which will return the money to the client's account if the seller's unfair behavior is proven. How does it look in practice? To sort it out, together with Dmitry, a representative of the control committee of the Association of Forex Dealers, we go to one of the law firms - Tagansky Dom Prava. Here they promised to advise and help us. The legend is this: we are professional traders who cannot return money from two well-known forex companies - RoboForex and ForexOption. After a short wait, the secretary invites us to the lawyer Oleg. He is seated in a massive director's chair, the desk piled high with papers. The look is serious, a little bored. We tell our story: they say, we bought into high spreads and lost more than $ 20 thousand. Oleg asks to show the documents - contracts with forex dealers, cash registers, account statements, screenshots of transactions. All this, he said, will be required for the trial. The lawyer reacts skeptically to my remark that I am waiting for a response from the Central Bank: “These companies are not under investigation for him. Most likely, these companies do not have licenses. " For his services, Oleg asks for a fairly decent amount - 127.5 thousand rubles. This is a fee, including for the preparation of claims, claims and representation of interests in court. But there is a more economical option - chargeback. The lawyer clarifies that this only works if the client of the forex broker used a bank card, no matter which bank. If the money was deposited in cash, you will have to sue. “Everything that was entered through the card is subject to the chargeback,” he assures. You will have to pay 58.5 thousand rubles for this. The company takes care of all the paperwork - correspondence with the bank and the payment system, the whole procedure takes one to two months. There is only one question left to discuss: is it always possible to return money transferred to a forex broker using a chargeback? Oleg avoids a direct answer. According to him, it all depends on whether the broker will be able to prove an aleatory (risky) transaction. “But if they do not have a license and money does not enter the market, then there is no question of any risky transactions,” he explains. The lawyer does not recommend filing a complaint with the police: “There is no point. After 30 days, you will receive a refusal to initiate a criminal case. If everything was collected through the police, then they probably would not have stolen. " Whether there will be any sense from the chargeback and litigation is an open question, but the lawyers of Tagansky House of Prava will get their fees anyway. Bitcoins on credit Lawyers who provide money-back services most often come across those who decide to entrust their money to private managers or so-called forex dealers. Banki.ru has already mentioned some of these companies in its publications. Private investor Ivan decided to invest in bitcoin. He opened a cryptocurrency wallet and, with the help of an employee of a company registered on the islands of Saint Vincent and the Grenadines, exchanged rubles for virtual currency through an exchanger located in Moscow City. In order to invest a substantial amount, Ivan took out consumer loans in three banks, and also mortgaged his apartment. In total, the investor spent about 7 million rubles for the purchase of bitcoins. Ivan did not see the money invested (not to mention the profit): the company representatives said that due to the sharp jump in the investment rates, the investments “disappeared”. Instead, he was offered a certificate for free training in the basics of stock trading. But Ivan did not give up. To get his money back, he turned to lawyers by signing an agreement with Tagansky House of Law. Judging by the agreement (available to Banki.ru), the executor had to contact several banks whose services Ivan used to challenge the transactions, as well as prepare and send complaints to the Central Bank, the prosecutor's office and other departments. All these services cost Ivan 150 thousand rubles. According to him, the company's lawyers said that the money can be returned if no more than 540 days have passed since the transaction. Of course, the client of Tagansky Dom Prava did not receive any guarantees. When the chargeback is useless Representatives of law firms, which Banki.ru contacted with a request to comment on whether a chargeback can help with the return of funds from a pyramid scheme or an illegal broker, do not give a clear answer. “Turning to the chargeback mechanism is the only effective and last opportunity to return money, but it is not effective in all cases, as it often refuses to return funds to the initiator,” says Evgeny Mirgorodsky, a lawyer at S&K Vertical. The problem, he said, may be the lack of substantiation of the claims. For example, in order to receive a chargeback, you need to prove that the broker did not fulfill the terms of the contract. But in contracts with clients, brokers warn about the risk of losing money, so it is almost impossible to prove the broker's bad faith. In other words, you will not be able to use chargeback if the forex dealer proves that the client has lost money due to objective circumstances (changes in currency rates, etc.), and that he was aware of these risks. At the same time, according to Ekaterina Orlova, head of the legal practice of Grace Consulting Ltd, banks rarely voluntarily go to the chargeback procedure, since the rules of international payment systems establish serious penalties for banks when a certain threshold value for a chargeback is exceeded. The lawyer believes that the effect of using a chargeback in the relationship between a client and a Russian forex dealer is doubtful. “If a forex dealer is registered in the territory of another jurisdiction and the applicable local legislation on the securities market allows a transfer using a bank card, a chargeback may be possible if there are grounds for such outside the risks assumed by the client and if there is an appropriate condition in the bank agreement. service, ”she said. However, even in this case, Orlova assures, it is impossible to guarantee a chargeback, since the final decision on satisfying the application is in any case made by the acquiring bank and / or the international payment system. The words of the lawyers are confirmed by the representatives of the banks. “The issuer, as a rule, does not have the opportunity to protest the operations of transferring funds to unscrupulous brokers. That is, it is technically possible to make a chargeback procedure, but the acquirer will reject it due to a violation of the conditions for its implementation, ”- categorical Oleg Kuserov, Managing Director of Absolut Bank. He explains: for example, if a cardholder replenished a brokerage account using a transfer to the address of a payment aggregator, then such a transaction is a transfer of funds to an account of a third-party organization, and here the chargeback is no longer relevant. According to Kuserov, the chargeback is all the more useless if the broker or forex dealer “leaked the deposit,” that is, deliberately brought the client to a loss. Only law enforcement agencies and the court can prove that fraud was committed. Alexander Petrov, director of the PSB payment card department, also believes that in relation to operations on the exchange, chargeback is far from the most suitable tool for refunding money. “The opposition of transactions is carried out on the basis of the rules regulated by the payment systems. So, according to the rules of Mastercard, there is a ban on setting up such disputes, even if the client protests the impossibility of withdrawing funds. The payment system considers that the service is fully provided at the moment of replenishing the brokerage account. You can object to the operation only if the funds were not credited to the brokerage account, ”he said. But Visa, he said, allows objection if the client can prove that there is money on the account, but he cannot withdraw it. Visa declined to comment, and Mastercard representatives told Banki.ru that, according to the cardholder's statement, the card issuing bank has the opportunity to object to transactions in a number of cases: if the transaction was not completed, it was processed incorrectly, or if the service paid for by the card was not actually provided (with certain exceptions, the list of which includes high-risk operations, such as those carried out in the Forex market). “We call them 'devil's advocates'” Judging by the Central Bank's statistics, the number of illegal brokers, pseudo-forex companies and financial pyramids in Russia is growing rapidly: last year alone, the regulator discovered more than 450 such organizations (including 210 in the Forex market). Following them, the demand for the services of lawyers is growing, says Marat Safiullin, head of the Federal Public-State Fund for the Protection of the Rights of Investors and Shareholders. “Last year was generally a record for the number of financial pyramids in the country, and a lot of citizens suffered. This generates a stream of requests for legal services, and often, as soon as the next pyramid collapses, sites immediately appear where they promise to help with a refund, ”he says. "We call them 'devil's advocates'," Safiullin jokes, "because they promise to return money lost both in pyramids created back in the 1990s and in unscrupulous brokers and forex dealers." “These lawyers organize aimless proceedings, write to banks, draw up claims, and all this can drag on for quite a long time. Until the person runs out of money. We have seen the documents that these pseudo-lawyers compose: there can be anything from excerpts from textbooks on the securities market to quotes from the Constitution. This clearly indicates that people are provided with unqualified services, ”he is sure. The lawyer Evgeny Moskalenko, who specializes in litigation against forex dealers, agrees with him. He notes that it is possible to initiate a chargeback procedure, but it is necessary, for example, to prove that the transactions were not made in reality. However, it is almost impossible to prove the fictitiousness of the transactions. “Usually all these legal offices try to prove that the services were not provided, which is easily refuted, since after submitting the application, the payment system requests data and receives information on transactions from the dealer, that is, that the service was provided. Therefore, everything that these lawyers do is futile, ”he said. According to experts of the Association of Forex Dealers (AFD), legal companies and organizations that provide services for the return of funds (chargeback) to victims of the activities of brokers and forex dealers operating without a license from the Bank of Russia, as a rule, have a certain connection with these unfair financial organizations. “This conclusion follows from conversations with citizens who have lost money in these financial organizations and have turned to these lawyers. However, a refund in this way is not possible within the existing legal framework, ”says a representative of the association. Therefore, AFD recommends that victims go to court immediately. In addition, Marat Safiullin advises, it is necessary to send appeals to Rospotrebnadzor, the prosecutor's office or the Ministry of Internal Affairs, and you can also get free legal assistance from the fund for the protection of the rights of investors and shareholders by leaving a complaint on the Stoppiramida.ru website, where you can write a complaint. If a deceived client of a forex dealer or another organization still intends to try to return the money using a chargeback, then no one bothers him to contact the bank that issued the card on his own. "Bank employees are required to advise on the implementation of this procedure," says Mirgorodsky from the law firm "S&K Vertical". Albert KOSHKAROV, for Banki.ru

11.03.2020 # money is easy: all about insurance policies with a deductible

A policy with a franchise is a real opportunity to save on average about 30% of the cost of insurance. But not in all cases, such savings will be beneficial. When is it worth sharing losses with the insurer? A deductible is a part of losses that, in the event of an insured event, is reimbursed not by the insurance company, but by the policyholder out of his own pocket. What this part will be is stipulated in the insurance contract: either it is a certain percentage of insurance coverage, or a fixed amount. Thanks to the franchise, motorists, for example, will significantly save on insurance. At Soglasie IC, at the request of Banki.ru, they calculated the cost of a comprehensive insurance policy with and without a franchise for a new Audi A6 car worth 3.5 million rubles. For a policy without a deductible (the insurance company fully covers losses in the event of an accident or other insured events), the car owner will pay 164,940 rubles. And with a franchise - when part of the loss upon the occurrence of an insured event will be covered not by the insurance company, but by the car owner himself - the policy will turn out to be several tens of thousands of rubles cheaper. For example, with a dynamic franchise it will cost 145,462 rubles, with an unconditional one in the amount of 30 thousand rubles, the price will be 98,055 rubles, with an unconditional one of 50 thousand rubles - 92,910 rubles. There are different types of franchises. There are many types of franchises: conditional and unconditional, preferential and temporary, franchise from the second case (or dynamic). The most popular are unconditional and dynamic. Unconditional is when the insurance company pays the difference between the amount of damage and the deductible. “The franchise is beneficial for clients because it reduces the cost of the comprehensive insurance policy,” says Andrey Kovalev, director of the underwriting and product management department of Soglasie IC. "In our company, such savings can reach 40-45% of the cost of the policy without a deductible." At Ingosstrakh, thanks to the franchise, the policyholder can reduce the cost of the policy up to 60%, depending on the car and insurance conditions. On average, the savings are 15-30%. The franchise also has other advantages - for example, saving time. Unlike a regular comprehensive insurance policy, when the car owner must inform the insurer about all, even the most insignificant, damage to the car, the owner of the policy with a deductible may not do this. He is relieved of the need to collect certificates from the traffic police that an accident has occurred, or to obtain a document from the police about the unlawful actions of a third party, if, for example, the car was damaged while she was waiting for the owner at the entrance. No need to waste time calling law enforcement officers, examining, filling out documents and delivering them to the insurance company. In addition, minor damages are not included in the insurers' database, which has a positive effect on the insurance history. “Car owners have become more attentive to their insurance history, because information about a large number of painted parts devalues ​​a car in the secondary market even more than the presence of minor damage to the paintwork,” says Vitaly Knyaginichev, director of the Ingosstrakh retail business department. Insurance companies also have their interest in franchises, which reduce their costs of settling small insurance claims. And they minimize fraud: the owner of a comprehensive insurance without a deductible who finds a scratched bumper is tempted to add damage so that the insurer pays for the replacement of the part, and not the painting. If a motorist has a policy with a franchise, then he will paint over the scratches at his own expense, and the insurer will not even know about them. But in the event of a serious accident, the car will be restored by the insurer. The culprit's franchise The car owner determines the amount of the franchise at his own discretion, focusing on financial capabilities (when you have a comprehensive insurance policy with a franchise, it is better to have a cash reserve for an unforeseen event) and based on the insurer's proposals. If you are an experienced motorist and the risk of a serious accident through your fault is minimal, but, as they say, the circumstances on the road are different, you can safely purchase a comprehensive insurance with the culprit's franchise. In this case, the insurers have the principle “not to blame - do not pay”, that is, the deductible is valid only when the accident occurred due to the fault of the insured or the culprit is not identified. If your car is damaged in an accident that you are not the culprit, the insurer will restore the car completely at its own expense and will not take a deductible. And if unknown persons damaged the car, for example, while parking, then the repair will also be carried out in full, however, already taking into account your franchise. The franchise from the second case, or dynamic, is very convenient for car owners. Its essence is that the losses after the first insured event are fully reimbursed by the insurer, and the deductible will be deducted from the insurance payment from the second event. Moreover, it can increase with each new application of the policyholder. Vitaly Knyaginichev says that such policies allow motorists to save about 15% of the premium on the risk of "damage". For example, the insurance premium for a VW Golf worth 1.5 million rubles without a franchise is 56,080 rubles. If you include the franchise from the second case in the amount of 11 thousand rubles, then the premium will decrease by almost 8 thousand rubles and will amount to 48 186 rubles. And if, for example, you include a franchise for each case in the amount of 30 thousand rubles, the premium will decrease to 35,028 rubles, that is, the savings will amount to more than 20 thousand rubles. Not only in auto insurance It is in auto insurance that franchised policies are most widespread. Although they exist in other types of insurance, such as travel insurance. The popularity of insurance products with a deductible depends on the region of the tourist's stay. “For some countries, the franchise is included in all policies, although its size is usually small and is about $ 50,” explains Vitaly Knyaginichev. “In general, the franchise for travel abroad insurance (TCD) is rarely used, which is due to the low cost of TCD insurance." Irina Noskova, head of underwriting, sales support and contract support in the tourism industry of the Soglasie insurance company, says that the franchise is mainly used for mass tourism destinations, for example, when traveling to Turkey, Thailand, as part of cooperation with tour operators. As a rule, we are talking about an unconditional deductible. The cost of a policy with a deductible is lower than the cost of a policy that does not. Many insurers use it to reduce unprofitableness in massive areas. “The presence of a deductible in the TCD insurance policy means the independent payment of part of the costs to the doctor / medical institution when applying for medical and other assistance under the insurance contract. Most often, the size of the unconditional deductible can be from 20 to 40 y. e., ”she says. The deductible is not applied when insuring citizens traveling to the Schengen area: this is the requirement of the consulates of these countries. It is possible to meet policies with a deductible in property insurance, but not often. “In classical home insurance for individuals, as a rule, the possibility of using a deductible is provided, but in practice, clients very rarely use it,” says Andrey Kovalev. - The reason is that in this case, the deductible does not affect the rate reduction as much as in auto insurance. And in mortgages, taking into account the requirements of banks for insurance coverage, the franchise is not used in standard contracts at all. "

10.03.2020 Coronavirus in the bank. Three options for the development of events for the Russian banking sector

COVID-19 is already slowing the growth of the global economy. How will the spread of the virus turn out for the Russian banking system: a slight decrease in profitability, a protracted crisis, or a positive shock? Banks.ru assessed three possible scenarios. The growth rate of new infections in China is declining, but new foci of infection are emerging in the world. Now Italy, Korea and Iran are at the forefront, which have not yet managed to stop the problem. The OECD has already lowered its forecast for the growth of the world economy this year from 2.9% to 2.4%, the IMF also expects a slowdown, but it is not yet undertaken to assess its scale. To date, there are 20 confirmed cases of COVID-19 infection in Russia, but the situation in foreign markets is already indirectly affecting the Russian economy. According to the chairman of the Accounts Chamber, Alexei Kudrin, the damage to the country's GDP growth rate from the coronavirus will be 0.1-0.2 percentage points. Losses are calculated primarily by the tourism business, export companies, and the transport sector. The collapse in oil prices will sharply reduce the replenishment of the national reserves of the Russian Federation. All this can directly or indirectly affect all sectors of the Russian economy, including the banking sector. Banki.ru interviewed analysts and assessed three scenarios for the development of events for credit institutions and their clients. Scenario 1. The epidemic will bypass Russia The majority of analysts and bankers surveyed by Banki.ru argue that the spread of coronavirus has not had a direct and significant impact on the Russian banking system so far. An indirect effect is still observed - through the fall in oil prices, the weakening of the ruble, capital outflow from emerging markets, including Russian assets, and the volatility of assets on the balance sheets of banks. While the risks are under control: the “safety cushion” in the NWF is rescuing, the near-zero foreign exchange position of the financial sector (that is, funds attracted in foreign currency are covered by assets in foreign currency) and the containment of lending in foreign currencies to Russian non-financial companies, says the managing director of the NKR rating agency »Stanislav Volkov. “The fact that the foreign exchange position in the banking system as a whole remains close to zero significantly reduces the direct impact of the ruble exchange rate on banks' profits,” he notes. The chief analyst of Sovcombank, Mikhail Vasilyev, also believes that the Russian economy and the banking system in recent years have adapted to a sharp change in external conditions, and the budgetary rule has reduced the dependence of the ruble exchange rate on oil prices. For the disease to really affect the global economy, the number of patients in the world must be in the tens of millions, says Gennady Salych, Chairman of the Board of Freedom Finance Bank. In the meantime, the disease itself is not as terrible as rumors about it. The panic fueled by speculation in the media and social media has the potential to stifle consumer activity, heighten investor risk aversion, and spur some regulators into non-market measures and artificially curbing economic demand. "If the economic leadership of the Russian Federation refuses to pursue a meaningful independent policy in the face of increasing external negative pressure on the economy, then the existing problems of the banking sector will develop," Salych says. Among them, there is a high accumulated debt in the sector of lending to non-financial enterprises related to mortgages, a low level of capital adequacy in the banking system, and low monetization of the economy. If the epidemic does not start in Russia, the effect will be limited to a slowdown in economic growth. The Central Bank may lower the key rate and add liquidity to the economy, says Irina Nosova, director of the ACRA financial institutions ratings group. Pressure on banking margins will intensify and inflation will rise. From the point of view of the behavior of bank clients in the “everything is under control” scenario, the effect is still insignificant. Is that already now there is a decrease in requests for consumer loans "for vacation", notes Professor of the Department of Finance, Monetary Circulation and Credit, Faculty of Finance and Banking, RANEPA Yuri Yudenkov. Scenario 2. The epidemic spreads in Russia Let's say everything goes according to the worst scenario: the coronavirus is spreading rapidly across Russia, new foci of infection are emerging in the world, the prospects for creating a vaccine are vague. Investors will continue to urgently get rid of risky assets, and the creditworthiness of bank borrowers will fall, predicts Maxim Timoshenko, director of the financial markets operations department at Russian Standard Bank. If the ruble falls by more than 20%, banks will feel the negative consequences of the deterioration in the general macroeconomic situation. According to Stanislav Volkov, such an impact may be expressed in a drop in demand for new loans from the most solvent part of borrowers, as well as in a deterioration in the credit quality of companies that have taken out loans in foreign currency and individuals who have faced a noticeable drop in real incomes due to accelerated inflation. ... This, in turn, will lead to a decrease in the financial result and capital adequacy of banks. According to Irina Nosova, some banks, whose resource base is formed by interbank loans from parent structures, may experience liquidity problems. Quote “In view of the risk of a weakening of the national currency, in order to preserve their savings, the population may start actively withdrawing funds from ruble deposits and buying foreign currency,” warns the director of the ACRA Financial Institutions Ratings Group. In this case, the regulator may resort to raising the key rate in order to maintain the ruble exchange rate. Scenario 3. Positive shock According to Gennady Salych, the crisis shock associated with the weakening of external demand, from a certain point of view, may become a positive scenario. As practice shows, the response to the crisis is measures aimed at stimulating growth. "There is additional capitalization of banks and assistance to borrowers, reduction of taxes on production and provision of soft loans to industry, administrative restriction of speculation in financial markets, a system of state planning and regulation is developing," the board chairman of Freedom Finance lists. Quote With the cyclical resumption of growth in global risk demand, this is recouped by a sharp acceleration in GDP growth. According to the chief economist of the Expert RA rating agency Anton Tabakh, the damage from the virus will be fully offset by higher social spending and accelerated implementation of national projects, as well as the effect of a faster rate cut, which is partly caused by the Fed's response to the virus situation. Evgeniya OGURTSOVA, Banki.ru

Hello! I know that since August 11, 2017, RF Resolution No. 961 introduced the possibility of restructuring a mortgage loan (well, assistance from the state). I called the bank, they say, excuse me, while we have no orders from Moscow. Do they have the right to refuse me an application to restructure my mortgage?

Lawyer Antonov A.P.

Hello. They do not have the right to refuse to accept the application (refuse to accept the application), but they have the right to satisfy or not to accept your request. Indeed, the Decree of the Government of the Russian Federation of August 11, 2017 No. 961 "On the further implementation of the program of assistance to certain categories of borrowers for mortgage loans (loans) who find themselves in a difficult financial situation" on August 14, 2017, amendments were made to the basic conditions for the implementation of the assistance program for individual categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation, approved by Decree of the Government of the Russian Federation of April 20, 2015 No. 373 "On the main conditions for the implementation of the program of assistance to certain categories of borrowers for mortgage loans (loans) who find themselves in a difficult financial situation, and an increase in the authorized capital of the joint-stock company "Agency for Housing Mortgage Lending". The program itself is provided for certain categories of borrowers for housing mortgage loans (loans), that is, for those who find themselves in a difficult financial situation, which must be documented and fall under the criteria of this program.

In particular, as of the date of filing an application for restructuring, the following conditions must be met at the same time:

a) the borrower (joint and several debtors) is a citizen of the Russian Federation belonging to one of the following categories: citizens who have one or more minor children or who are guardians (trustees) of one or more minor children; citizens who are disabled or have disabled children; citizens who are combat veterans; citizens who are dependent on persons under the age of 24 who are pupils, students (cadets), graduate students, adjuncts, residents, assistant trainees, interns and full-time students;

b) change in the financial position of the borrower (joint and several debtors) - the average monthly total income of the borrower's family (joint and several debtors), calculated for 3 months preceding the date of filing an application for restructuring, after deducting the size of the planned monthly payment on a loan (loan) calculated on the date preceding the date of filing an application for restructuring does not exceed, for each family member of the borrower (joint and several debtor), two times the subsistence minimum established in the constituent entities of the Russian Federation in whose territory the persons whose incomes were taken into account live. In this case, the average monthly total income of the family of the borrower (joint and several debtors) in the billing period is equal to the sum of the average monthly income of the borrower (joint and several debtors) and his family members, which for the purposes of this subparagraph include the spouse (spouse) of the borrower (joint and several debtor) and his minor children, in including those under his tutelage or guardianship, as well as the persons specified in paragraph five of sub-clause "a" of this clause, and the amount of the planned monthly payment on a loan (loan), calculated on the date preceding the date of filing an application for restructuring, increased by at least by 30 percent compared to the size of the planned monthly payment calculated on the date of the loan agreement (loan agreement);

c) security for the fulfillment of the borrower's obligations under a loan agreement (loan agreement) is a mortgage of a residential premises located on the territory of the Russian Federation, or a pledge of rights of claim to such residential premises arising from an agreement for participation in shared construction that meets the requirements of the Federal Law "On participation in shared construction of apartment buildings and other real estate objects and on amendments to some legislative acts of the Russian Federation ”(hereinafter referred to as the contract for participation in shared construction);

d) the total area of ​​residential premises, including residential premises, the right of claim to which arises from an agreement for participation in shared construction, the mortgage of which is a security for the fulfillment of the borrower's obligations under a loan agreement (loan agreement), does not exceed 45 sq. meters - for a room with 1 living room, 65 sq. meters - for a room with 2 living rooms, 85 sq. meters - for a room with 3 or more living rooms; e) residential premises, including residential premises, the right of claim to which arises from an agreement for participation in shared construction, the mortgage of which is a security for the fulfillment of the borrower's obligations under a loan agreement (loan agreement), is (will be) the only housing of the pledger. At the same time, in the period starting from the date of entry into force of the Decree of the Government of the Russian Federation of April 20, 2015 No. 373 "On the main conditions for the implementation of the program of assistance to certain categories of borrowers for mortgage loans (loans) in a difficult financial situation, and an increase in the statutory capital of the joint-stock company "Agency for Housing Mortgage Lending" as of the date the borrower submits an application for restructuring, it is allowed to have the aggregate share of the mortgagor and his family members in ownership of no more than 1 other residential premises in the amount of no more than 50 percent. For the purposes of this subparagraph, family members of the pledger include the spouse of the pledger and his minor children, including those under his guardianship or guardianship. Compliance with these conditions is confirmed by a simple written application from the borrower. The borrower does not need to provide information from the Unified State Register of Real Estate. Joint Stock Company "Agency for Housing Mortgage Lending" checks the information provided by the borrower in accordance with this subparagraph;

f) the loan agreement (loan agreement) was concluded at least 12 months before the date of submission by the borrower of an application for restructuring, unless the mortgage loan (loan) was provided for the purpose of full repayment of the debt on a mortgage loan (loan) provided at least less than 12 months before the date the borrower submits the restructuring application.

The changes will make it possible to restructure at least 1.3 thousand credits (loans).

Best regards, attorney Anatoly Antonov.

1. These Rules establish the goals, conditions and procedure for the provision of subsidies from the federal budget to Russian organizations - exporters of military industrial products to reimburse part of the cost of paying interest on loans received from Russian credit institutions and the state development corporation VEB.RF (hereinafter respectively - organizations, subsidies).

(as amended by Resolutions of the Government of the Russian Federation of 23.02.2018 N 193, of 27.12.2018 N 1697)

2. In these Rules, industrial products for military purposes mean products for military purposes in accordance with the legislation of the Russian Federation in the field of military-technical cooperation with foreign states, with the exception of services and results of intellectual activity, including exclusive rights to them (intellectual property), and information in the military-technical field.

3. The subsidy is provided within the budgetary allocations provided for in the federal law on the federal budget for the corresponding financial year and planning period, and the limits of budgetary obligations, brought in the prescribed manner to the Ministry of Industry and Trade of the Russian Federation as a recipient of federal budget funds for the purposes specified in paragraph 1 of these Rules.

(Clause 3 as amended by the Decree of the Government of the Russian Federation of 23.02.2018 N 193)

3 (1). Subsidies are provided to an organization subject to the following conditions:

a) the direction by the organization of credit resources for the production and (or) export of industrial products for military purposes;

b) timely execution of credit agreements by the organization in the terms and volumes that are established by the corresponding loan repayment schedules;

c) as of the date no earlier than 5 calendar days prior to the date of submission of documents for obtaining a subsidy:

the organization has no unfulfilled obligation to pay taxes, fees, insurance premiums, penalties, fines, interest payable in accordance with the legislation of the Russian Federation on taxes and fees;

the organization has no overdue debts to return subsidies to the federal budget, budget investments provided, including in accordance with other legal acts, and other overdue debts to the federal budget;

the organization is not in the process of reorganization, liquidation and bankruptcy;

the organization is not a foreign legal entity, as well as a Russian legal entity, in the authorized (pooled) capital of which there is a share of participation of foreign legal entities whose place of registration is a state or territory included in the list of states and territories that provide a preferential tax regime approved by the Ministry of Finance of the Russian Federation taxation and (or) not providing for the disclosure and provision of information when conducting financial transactions (offshore zones) in relation to such legal entities, in aggregate exceeds 50 percent;

the organization did not receive funds from the federal budget on the basis of other regulatory legal acts for the purposes specified in paragraph 1 of these Rules;

the organization has no overdue debt on monetary obligations to the Russian Federation, as defined in Article 93.4 of the Budget Code of the Russian Federation.

(Clause 3 (1) was introduced by the Decree of the Government of the Russian Federation of 23.02.2018 N 193)

4. Subsidies for loans received in the currency of the Russian Federation are provided in the amount of 70 percent of the organization's expenses for the payment of interest on the loan in the billing period. At the same time, the amount of the subsidy may not exceed the amount calculated on the basis of 70 percent of the refinancing rate effective as of the date of interest payment on the loan, the key rate of the Central Bank of the Russian Federation (from January 1, 2016), the basic indicator calculated in accordance with the decree of the Government of the Russian Federation of July 20, 2016 N 702 "On the use of basic indicators when calculating the parameters of subsidizing the interest rate at the expense of the federal budget for loans, bonded loans and (or) leasing agreements, depending on the terms of lending, as well as determining the maximum level of the final lending rate, above which the interest rate is not subsidized "(for loans received after January 1, 2017).

(Clause 4 as amended by the Resolution of the Government of the Russian Federation of 23.02.2018 N 193)

5. Subsidies for loans received in foreign currency are provided in rubles at the rate of 70 percent of the organization's expenses for paying interest on the loan in the billing period based on the ruble against foreign currency exchange rate established by the Central Bank of the Russian Federation as of the date of these costs. At the same time, the amount of the subsidy provided cannot exceed the amount calculated based on the rate on a loan received in foreign currency, in the amount of 8 percent per annum.

(Clause 5 as amended by the Resolution of the Government of the Russian Federation of 23.02.2018 N 193)

6. To receive a subsidy, an organization submits an application to the Ministry of Industry and Trade of the Russian Federation in the form approved by the Ministry, with the following documents attached:

a) copies of the loan agreement, loan repayment and interest payment schedules certified by the Russian credit institution or the state development corporation VEB.RF;

27.12.2018 N 1697)

b) statements of the organization's loan account, certified by the Russian credit institution or the state development corporation VEB.RF, confirming the receipt of a loan, as well as documents confirming the timely payment by the organization of the interest accrued by the Russian credit institution or the state development corporation VEB.RF for the use of the loan in accordance with the loan agreement;

(as amended by Resolutions of the Government of the Russian Federation of December 27, 2018 N 1697)

c) calculation of the size of the subsidy in the form in accordance with Appendices No. 1 or 2 (calculations for tranches received under the credit line are made separately, taking into account their repayment);

d) copies of contracts for the supply of military industrial products for export and the corresponding customs declarations certified by the head and chief accountant (if any) of the organization. In the case of export supplies of industrial products for military purposes under a commission agreement, the organization submits a copy of the contract with a foreign person on the supply of the specified products, certified by the head and chief accountant (if any) of the commissioning organization, copies of the commission agreements of the organization with the commissioning organization and the corresponding customs declarations, certified by the head and chief accountant (if any) of the organization. If the contract or agreement contains information constituting a state secret, then an extract from it is submitted containing the necessary information;

(as amended by Resolutions of the Government of the Russian Federation of 23.02.2018 N 193)

e) a certificate certified by the head and chief accountant (if any) of the organization, confirming the use of loans in order to fulfill export contracts, indicating the volume of loans attracted and the share of credit resources aimed at exporting industrial military products, containing a financial and economic justification for the need to attract loans;

(as amended by Resolutions of the Government of the Russian Federation of 23.02.2018 N 193)

f) a certificate certified by the head and the chief accountant (if any) of the organization, containing information on the facts of appeal for the purpose of obtaining subsidies in accordance with other regulatory legal acts and the results of their consideration;

(as amended by Resolutions of the Government of the Russian Federation of 23.02.2018 N 193)

g) a notarized copy of a license issued by the Federal Service for Military-Technical Cooperation for the export of military products or an extract from the list of military products approved for export from the Russian Federation approved by the Federal Service for Military-Technical Cooperation;

(subparagraph "g" as amended by the Resolution of the Government of the Russian Federation of 23.02.2018 N 193)

h) description of the supplied products;

i) a certificate from the tax authority confirming the absence of the organization as of the date no earlier than 5 calendar days before the date of submission of documents of an unfulfilled obligation to pay taxes, fees, insurance premiums, penalties, fines, interest payable in accordance with the legislation of the Russian Federation on taxes and fees, certified in accordance with the established procedure (in case of failure to provide the specified certificate by the organization, the Ministry of Industry and Trade of the Russian Federation requests it independently);

(pp. "and" as amended by the Resolution of the Government of the Russian Federation of 23.02.2018 N 193)

j) a certificate certified by the head and the chief accountant (if any) of the organization, confirming the compliance of the organization with the requirements specified in paragraphs three to seven of subparagraph "c" of paragraph 3 (1) of these Rules.

(clause "k" was introduced by the Decree of the Government of the Russian Federation of 23.02.2018 N 193)

7. The Ministry of Industry and Trade of the Russian Federation registers the organization's application with the attached documents. The registration number and date of the application received with the attached documents are entered in a special journal, which must be numbered, laced and sealed with the seal of the Ministry.

In the event of improper execution of the documents specified in clause 6 of these Rules, the Ministry of Industry and Trade of the Russian Federation within 30 days from the date of registration notifies the applicant about this, indicating the identified violations. At the same time, consideration of the issue of granting a subsidy is suspended.

Consideration of the issue of granting a subsidy is resumed after the organization has eliminated all identified violations. The registration number and the date of receipt from the organization of documents with eliminated violations are entered in the journal.

The Ministry of Industry and Trade of the Russian Federation returns the documents to the applicant in the event that the applicant does not eliminate the identified violations within 30 calendar days from the date of his notification.

(as amended by Resolutions of the Government of the Russian Federation of 23.02.2018 N 193)

The provision of subsidies is carried out in the order of priority, formed on the basis of the date of receipt of documents that meet the requirements and conditions that are provided for in paragraphs 3 (1) and 6 of these Rules.

(as amended by Resolutions of the Government of the Russian Federation of 23.02.2018 N 193)

An organization in respect of which a positive decision on granting a subsidy was made in accordance with the established procedure, however, there is no possibility of granting it in the declared amount in the current financial year due to the lack of budgetary commitments limits, brought in the established manner to the Ministry of Industry and Trade of the Russian Federation as a recipient of budgetary funds , submits, by March 1, an application for granting the amount of the subsidy that has not been received in the next financial year. The decision to grant a subsidy is made by the Ministry of Industry and Trade of the Russian Federation within 10 days without re-examining the organization for its compliance with the criteria established for receiving a subsidy, provided that the Ministry of Industry and Trade of the Russian Federation as a recipient of budgetary funds in the prescribed manner, the limits are communicated on the date of application to the Ministry of Industry and Trade of the Russian Federation. budgetary commitments for the corresponding year.

(the paragraph was introduced by the Decree of the Government of the Russian Federation of December 27, 2018 N 1697)

8. The decision on granting a subsidy is made by the Ministry of Industry and Trade of the Russian Federation by December 25 of the current financial year.

(as amended by Resolutions of the Government of the Russian Federation of December 27, 2018 N 1697)

The amount of the subsidy is determined in accordance with the calculations of the amount of the subsidy in the form in accordance with and.

(Clause 8 as amended by the Resolution of the Government of the Russian Federation of 23.02.2018 N 193)

9. An organization may be refused to provide a subsidy in the following cases:

non-compliance by the organization with the conditions provided for in paragraph 3.1 of these Rules;

non-compliance of the documents submitted by the organization with the requirements provided for in paragraph 6 of these Rules, or failure to submit (submission not in full) of these documents;

the presence of inaccurate information in the documents submitted by the organization.

(Clause 9 as amended by the Decree of the Government of the Russian Federation of December 27, 2018 N 1697)

10 - 11. Abolished. - Decree of the Government of the Russian Federation of February 23, 2018 N 193.

12. The transfer of the subsidy is carried out no later than the 10th working day after the decision of the Ministry of Industry and Trade of the Russian Federation to provide the subsidy to the organization's current account opened with the institution of the Central Bank of the Russian Federation or a credit organization.

(as amended by Resolutions of the Government of the Russian Federation of 23.02.2018 N 193)

Information on the amount and timing of the transfer of subsidies is taken into account by the Ministry of Industry and Trade of the Russian Federation when forming a forecast of cash payments from the federal budget, which is necessary for drawing up a cash plan for the execution of the federal budget in accordance with the established procedure.

13. An indicator of the effectiveness of the provision of a subsidy is the fulfillment of obligations under the current concluded contract (commission agreement) for the supply of military industrial products for export or the conclusion of a new contract (commission agreement) for the supply of military products for export in the year following the year of provision. subsidies.

The organization submits, not later than June 1 of the year following the reporting financial year, copies of the specified export contracts (commission agreements) in order to confirm the effectiveness of the grant.

(Clause 13 as amended by the Resolution of the Government of the Russian Federation of 23.02.2018 N 193)

14. In case of failure to achieve the performance indicator for the provision of a subsidy provided for in paragraph 13 of these Rules, the subsidy is subject to return to the federal budget within 10 working days from the date of receipt of the corresponding request from the Ministry of Industry and Trade of the Russian Federation, sent by registered mail with acknowledgment of receipt.

(Clause 14 was introduced by the Decree of the Government of the Russian Federation of 23.02.2018 N 193)

15. If, based on the results of inspections carried out by the Ministry of Industry and Trade of the Russian Federation and (or) state financial control bodies, it is established that the goals, conditions and procedure for granting a subsidy have been violated, the corresponding funds must be returned to the federal budget:

a) on the basis of the request of the Ministry of Industry and Trade of the Russian Federation no later than the 3rd working day from the date of receipt of the specified request by the organization;

b) on the basis of a submission and (or) an order of the state financial control bodies within the time limits established in accordance with the budgetary legislation of the Russian Federation.

(Clause 15 was introduced by the Decree of the Government of the Russian Federation of 23.02.2018 N 193)

16. The Ministry of Industry and Trade of the Russian Federation publishes on its official website in the information and telecommunications network "Internet" information on the start of accepting applications from organizations for subsidies, as well as information on the termination of the acceptance and consideration of applications from organizations for subsidies in the absence of unused budget limits. obligations communicated in the prescribed manner to the Ministry of Industry and Trade of the Russian Federation as a recipient of federal budget funds for the purposes specified in paragraph 1 of these Rules.

(Clause 16 was introduced by the Decree of the Government of the Russian Federation of 23.02.2018 N 193)

17. The Ministry of Industry and Trade of the Russian Federation and authorized bodies of state financial control are obliged to carry out inspections of compliance by organizations with the goals, conditions and procedure for granting subsidies.

The edition is valid from 22.08.2017

Type of document: REGULATION

Host: RF GOVERNMENT

Document number: 961

Revision date: 11.08.2017

Date of acceptance: 11.08.2017

Publication: The official Internet portal of legal information www.pravo.gov.ru, 14.08.2017, N 0001201708140008

Publication: Rossiyskaya Gazeta, N 182, 17.08.2017

Publication: Collected Legislation of the Russian Federation, N 34, 08.21.2017, Art.5285

To read as follows:

"APPROVED
government decree
Russian Federation
dated April 20, 2015 No. 373
(as amended by resolution
Government of the Russian Federation
dated August 11, 2017 No. 961)

Basic conditions for the implementation of the program of assistance to certain categories of borrowers for mortgage loans (loans) who find themselves in a difficult financial situation

1. The main conditions for the implementation of the program of assistance to certain categories of borrowers for mortgage loans (loans) who find themselves in a difficult financial situation (hereinafter referred to as the program) determine the conditions for restructuring mortgage loans (loans) for certain categories of borrowers who find themselves in a difficult financial situation, and also the conditions for reimbursing creditors (lenders) for mortgage loans (loans), mortgage agents operating in accordance with, for mortgage loans (loans), the rights of claim for which were acquired by mortgage agents, and the joint-stock company "Agency for Housing Mortgage Lending" mortgage housing loans (loans), the rights of claim for which were acquired by this company, losses (their part) arising as a result of such restructuring (hereinafter referred to as the lender, borrower, compensation, restructuring).

2. Reimbursement under the program is carried out one-time for mortgage loans (loans), restructured in accordance with this document, in the manner prescribed by the Joint Stock Company "Agency for Housing Mortgage Lending", published on its official website in the information and telecommunications network "Internet".

3. Losses (their part) of the lender are subject to compensation for each mortgage housing loan (loan) restructured in accordance with this document, in the amount by which, as a result of restructuring in the cases provided for in subparagraph "c" of paragraph 10 of this document, the amount of monetary obligations of the borrower under the loan agreement (loan agreement), but not more than the maximum amount of compensation established by clause 6, taking into account clause 7 of this document.

4. Reimbursement under the program is carried out within the funds provided for the implementation of the program.

5. Restructuring is carried out on the basis of the lender's decision on the restructuring application submitted by the borrower to the lender (hereinafter referred to as the restructuring application). Restructuring can be carried out by the conclusion of the lender and the borrower (joint and several debtors) of an agreement on changing the conditions of a previously concluded credit agreement (loan agreement), concluding a new loan agreement (loan agreement) for the purpose of full repayment of debt on a restructured mortgage loan (loan), concluding an amicable agreement (hereinafter referred to as the restructuring agreement). The terms of the restructuring agreement must comply with the requirements established by paragraph 10 of this document.

6. The maximum amount of compensation for each restructured mortgage housing loan (loan) is 30 percent of the balance of the loan (loan) calculated on the date of the conclusion of the restructuring agreement, but not more than 1,500 thousand rubles, except as provided for in paragraph 7 of this document.

7. In accordance with the decision of the interdepartmental commission for making decisions on compensation to creditors (lenders) for mortgage loans (loans), mortgage agents operating in accordance with Federal Law "On Mortgage Securities", for housing mortgage loans (loans), the rights of claim for which were acquired by mortgage agents, and the joint-stock company "Agency for Housing Mortgage Lending" for mortgage loans (loans), the rights of claim for which were acquired by this company, losses (their part) arising in as a result of the restructuring of housing mortgage loans (loans) in accordance with the terms of the program (hereinafter referred to as the interdepartmental commission), the maximum amount of compensation for each restructured mortgage housing loan (loan) on the basis of the appropriate appeal of the lender to the interdepartmental commission can be increased, but not more than 2 times, in the manner prescribed by the regulation on the interdepartmental commission.

8. Unless otherwise provided by this document, as of the date of filing an application for restructuring, the following conditions must be met simultaneously:

A) the borrower (joint and several debtors) is a citizen of the Russian Federation belonging to one of the following categories: citizens who have one or more minor children or who are guardians (trustees) of one or more minor children; citizens who are disabled or have disabled children; citizens who are combat veterans; citizens who are dependent on persons under the age of 24 who are pupils, students (cadets), graduate students, adjuncts, residents, assistant trainees, interns and full-time students;

B) change in the financial position of the borrower (joint and several debtors) - the average monthly total income of the borrower's family (joint and several debtors), calculated for 3 months preceding the date of filing an application for restructuring, after deducting the amount of the planned monthly payment on the loan (loan) calculated on the date preceding the date of filing an application for restructuring does not exceed, for each family member of the borrower (joint and several debtor), two times the subsistence minimum established in the constituent entities of the Russian Federation, in the territory of which the persons whose income was taken into account live. In this case, the average monthly total income of the family of the borrower (joint and several debtors) in the billing period is equal to the sum of the average monthly income of the borrower (joint and several debtors) and his family members, which for the purposes of this subparagraph include the spouse (spouse) of the borrower (joint and several debtor) and his minor children, in including those under his guardianship or trusteeship, as well as the persons specified in paragraph five of sub-clause "a" of this clause, and the size of the planned monthly payment on a loan (loan), calculated on the date preceding the date of filing an application for restructuring, increased by at least by 30 percent compared to the size of the planned monthly payment calculated on the date of the loan agreement (loan agreement);

C) the security for the fulfillment of the borrower's obligations under a loan agreement (loan agreement) is a mortgage of a residential premises located on the territory of the Russian Federation, or a pledge of claims for such residential premises arising from an agreement for participation in shared construction that meets the requirements Federal Law "On participation in shared construction of apartment buildings and other real estate and on amendments to some legislative acts of the Russian Federation"(hereinafter - the contract for participation in shared construction);

D) the total area of ​​residential premises, including residential premises, the right of claim to which arises from an agreement for participation in shared construction, the mortgage of which is a security for the fulfillment of the borrower's obligations under a loan agreement (loan agreement), does not exceed 45 sq. meters - for a room with 1 living room, 65 sq. meters - for a room with 2 living rooms, 85 sq. meters - for a room with 3 or more living rooms;