Призывники ушли, а кредиты остались. Госдума объяснила как участники СВО могут получить кредитные каникулы
Кредитные каникулы – период кредитования при котором можно заморозить или снизить ежемесячные платежи. При этом не будет штрафов и последствий для кредитной истории. 8 марта 2022 года в закон внесли и утвердили правки, возобновляющие механизм кредитных каникул, который действовал во время пандемии, сообщает Госдума РФ.
Заявление необходимо подать не позднее 30 сентября 2022 года включительно.
Каникулы действуют в отношении:
ипотеки;
потребительских кредитов;
автокредитов;
долгов по кредитным картам.
Продолжительность льготного периода определяет сам заемщик, от одного до шести месяцев. Кредитными каникулами можно воспользоваться только один раз по каждому из договоров займа. Если вы уже обращались в 2020 году для отсрочки платежей, теперь это можно сделать вновь.
Кредитные каникулы – не прощение долгов. По возвращению с каникул заемщик выплачивает долг по изначальному графику, а потом погашает пропущенные платежи. Помимо этого, за льготный период назначаются проценты:
ипотека – по условиям договора;
по потребительским ссудам и кредитным картам — по ставке 2/3 от установленного ЦБ России среднерыночного значения полной стоимости кредита на остаток основного долга.
Госдума подчеркнула, что ипотечные и кредитные каникулы не одно и тоже. Для ипотечных действуют другие условия. Также на момент подачи заявки на кредитные каникулы, гражданин не должен находиться на ипотечных каникулах.
Требования к заемщику:
Доходы заемщика упали минимум на 30 % за месяц, предшествующий подаче заявки, по сравнению с прошлым годом.
Договор, по которому заемщик хочет получить каникулы, оформлен до 1 марта 2022 года.
Заемщик на момент подачи заявления не находится на ипотечных каникулах.
Полная сумма кредита (важно: не остаток по выплате!) меньше установленного лимита.
Гражданину имеют право отказать, если обязательное требование не соответствует.
Какие лимиты?
по автокредитам — 700 тыс. рублей;
по потребкредитам — 300 тыс. рублей;
по кредитным картам — 100 тыс. рублей.
Лимиты по ипотеке различаются в зависимости от региона.
В случае смерти участника СВО его обязанности по кредиту будут прекращены и не перейдут к членам семьи, находящихся на иждивении.
Источник: https://www.ural56.ru/
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the Daily Mail has learned.
The prostitute realised the timing of the call
only after police contacted her in the weeks following the brutal murder of the 33-year-old.
The call was made on the same day that the former Metropolitan Police
officer took his wife and two children on a ‘family day out' to the woodland where he had
tried to destroy Miss Everard's body.
He even allowed his children to play near the pond where he had dumped her remains.
Couzens, 48, who was known to use prostitutes, started messaging the escort in February, while he was planning the rape and kidnap of a woman -
with Miss Everard becoming his eventual victim.
Depraved killer Wayne Couzens phoned an escort for sex hours after he burned Sarah Everard's body,
the Daily Mail has learned
The escort, 34, a mother from Kent who asked not to be named,
said: ‘The police told me that the man I had been messaging was the man who kidnapped and murdered Sarah.
They wanted to see if I was OK.
‘It's scary - I keep thinking, "That could've been me".
It's shocking how much of a lucky escape I've
actually had. It was hard at first to get my head around the fact my daughter could've ended up without a mum.'
Couzens - nicknamed ‘the rapist' by colleagues - was sentenced to
a whole life term at the Old Bailey last month.
The court heard that the diplomatic protection officer had contacted a woman with the username ‘escourtbabygirl' - which she has now deleted
- on an escort website in February.
The Mail tracked down the woman, who did not know
Couzens's identity at the time of their phone contact.
The call was made on the same day that the former Metropolitan Police officer took his wife and two children on a ‘family day out' to the woodland where he had tried to destroy
Miss Everard's (pictured) body
Her profile had a series of graphic naked photos and a list of services, including sex for £80 an hour,
spanking, domination and role play in uniforms.
Several other acts were not suitable to print in a family newspaper.
The married woman, whose husband is aware of her work, said she initially missed Couzens's call and did not reply to him to say she was available
until the next week. She sent him her mobile number but did not hear back from him or meet him.
The call girl told how she was ‘alarmed and scared' when police called
her, about a week after Miss Everard's body was found on March
10 in an area of woodland Couzens owned near Ashford, Kent.
‘The detectives said they wanted to meet about Sarah Everard and I said I didn't know her but they were really persistent so I met them in Dover
with my husband,' the escort said.
‘They said, "The bloke you've been speaking to is the bloke who took Sarah".
They wanted to know if I'd met him. They explained to me he was a police officer and that he'd
kidnapped this girl and they told me not to tell anyone because of the ongoing investigation. They
asked how I felt about it and wanted to make sure I was OK.'
What the woman found most shocking was when detectives
examined her phone and revealed that Couzens had called her four days after he raped and strangled Miss Everard to death with his police belt on March 3.
Couzens had tricked Miss Everard, a marketing executive, into getting into a hire car in Clapham, south London, using his police warrant card
and handcuffs.
He is believed to have burned her body in the days after
killing her and before visiting the plot with his family.
The police also told the escort that Couzens had been using the website for
two years, arranging to meet women in both London and Kent, and asked her if she knew
any women who had had sexual encounters with him.
Couzens, 48, who was known to use prostitutes, started messaging the escort in February, while he was planning the rape and
kidnap of a woman - with Miss Everard becoming his eventual victim.
Pictured: Police officers scour Hoads wood
She said: ‘I didn't know that he had phoned me until the police told me.
They gave me his mobile number and I realised that
I had a missed call from him.
‘I had even texted the number back two days later to
see who it was but there was no reply. It seems he
had been arrested by that point.
‘It's so sick that he called me four days after the murder and on a
family day out.
It's like he kept getting pleasure from going back to the scene of the crime, but to take your kids there, it's
sick.
‘He breached his power as a police officer to kidnap a woman. You're meant to be able to trust the police, but I'm now careful where male officers are
concerned.
Unless it's a cop car, I wouldn't get in.
‘I'm just glad that nothing went any further with him.
Especially the fact that he contacted me before the
murder as well.
‘I could have been in more danger then because he wanted to kill someone.
Thinking that could have been me, that my life could
have ended is very hard.'
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from his then 11-year-old daughter's life and was trying to appease his girlfriend Asia Argento, who 'freaked out' whenever she
saw photos of him with his ex-wife, according to an explosive new book about the TV chef.
Bourdain died in June 2018, taking his own life in a hotel room in a small town in France while
filming his CNN show Parts Unknown.
Author and journalist Charles Leerhsen writes in his new biography,
Down And Out In Paradise: The Life of Anthony Bourdain,
that the star had been drinking heavily, using steroids and
sleeping with prostitutes in the months beforehand.
Bourdain's brother Christopher is said to have written twice to publisher Simon and Schuster asking for the book not to be published,
accusing the author of repeated inaccuracies.
The publisher is standing by Leerhsen's work and the biography will be
published on October 11. Bourdain's ex-wife, Ottavia Busia-Bourdain, is supportive
of its release.
Bourdain with his ex-wife, Ottavia Busia-Bourdain, and their
daughter, Ariane.
She was 11 when he died in 2018. A new book describes how he'd 'vanished' from her life
Bourdain left the majority of his $1.2million estate to his daughter when he died.
She was kept out of the limelight and had no idea how famous
he was, according to friends at the time
Leerhsen claims Argento had become 'so controlling' that she 'stalked Ottavia's
Instagram page'.
She allowed the author access to Bourdain's phone records and
his laptop, which revealed intimate details of his final weeks and months.
In an article in The New York Times on Tuesday ahead of
the book's release, it is described how Bourdain had all but vanished from his daughter
Ariane's life.
The extract does not explicitly lay the blame for that with anyone but
Bourdain, who the writer says was using prostitutes
before he died.
But Leerhsen claims Argento had become 'so controlling' that she 'stalked Ottavia's Instagram page'.
'You didn't want me to put a pic that you had in it because Asia would freak out and I have a feeling that will not change anytime soon. 'I'm tired of
pretending I don't know you.
Or that we are never in the same place,'
Bourdain's ex-wife, Ottavia Busia-Bourdain in a text message before his death
He includes messages between Ottavia and Bourdain,
where she said she was 'tired of pretending that we are never in the same place' for Argento's benefit.
'You didn't want me to put a pic that you had in it because Asia would freak out and I
have a feeling that will not change anytime soon.
'I'm tired of pretending I don't know you.
Or that we are never in the same place,' Busia-Bourdain told him.
He replied: 'I feel you. But I was being honest. The pap [arazzi] situation is horrendous.
'Since I left you guys, though, she's freaking out.'
Bourdain died after a row with Argento.
She had been photographed with French journalist Hugo Clement in Rome and the photos enraged Bourdain, who searched her name online 'hundreds of times'
in the days before he died, according to the book.
Bourdain's daughter fondly recalled in the past how he cooked for her, played with her and let
her watch adult TV shows like Dexter.
She is now 15 and is largely kept out of the limelight.
Above, when she was a toddler
In some of their final messages to each other,
he told her she had been 'careless' with his heart.
She replied: 'I can't take this'.
He would later ask: 'Is there anything I can do?'
She replied: 'Stop busting my balls,' and he said: 'OK'.
He killed himself hours later.
Bourdain, just days before he killed himself in France in June 2018.
He was filming for Parts Unknown, his popular CNN show
Argento has spoken publicly of her grief.
She is shown in September 2018 in an exclusive
interview with DailyMail.com and DailyMailTV where she
said the pair had an open relationship
In an exclusive interview with DailyMailTV weeks later,
Argento broke her silence, telling the world that while she
'cheated on him', he 'cheated on her too.'
'It wasn't a problem for us,' she said, lamenting how his fans wanted to blame
her for his death when they had an open relationship.
She did not comment for the book.
In a previous biography that the Bourdain family did cooperate with, Ottavia said:
''As a dad, he was always the good cop.
I think it was fair, because he was around so little, so when he was home,
there was no enforcing homework, there was no discipline.
'He was 100 percent fun dad, and he called
himself "Silly Dada," cause that's what he was doing.'
Ariane said at the time: 'I always cooked with him.
We'd always cook ratatouille, from the movie Ratatouille, and we made it exactly like they made it.
'We'd cook schnitzel; he'd make little stations: one of them has the breading, one has the flour,
one has the eggs, and my dad put it in the pan.
'He'd cook omelets for me all the time, and I'd help him flip it.
He would let me sprinkle chocolate chips or blueberries into
pancakes, and then he'd let me flip the pancake a little. When we were in the Hamptons, he'd cook dinner,
cook breakfast, so that's when he really cooked for me.
'He taught me how to cut things and not chop off my fingers, to curl
my fingers under.
He gave me my own little knife, and I still have it, and still use it.'
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