Обязательное страхование ипотеки в рамках концепции Банка России

Abstract

Банком России, во исполнение поручения Президента РФ от 02.04.2020 № Пр-612 о принятии мер по снижению полной стоимости ипотечных жилищных кредитов, одной из составляющих которой являются расходы на страхование, разработана «Концепция регулирования ипотечного страхования». Суть «Концепции» заключается в том, что, после внесения изменений в федеральный закон, страхователем будет выступать не заёмщик-залогодатель, а банк-кредитор выгодопреобретатель или ипотечный агент. Заёмщик должен будет ежемесячно погашать дополнительно 1,0% от суммы кредита в порядке компенсации расходов банка на страхование The Bank of Russia, pursuant to the instruction of the President of the Russian Federation No. Pr-612 dated 02.04.2020 on taking measures to reduce the full cost of mortgage housing loans, one of the components of which is insurance costs, has developed a «Concept for regulating mortgage insurance», which has been discussed at the level of the professional community, and is currently in the Government of the Russian Federation. The «concept» concerns insurance accompanying the pledge of immovable property arising on the basis of the federal law (mortgage by virtue of the Law) dated 16.07.1998 No. 102-FZ «On Mortgage (pledge of real estate)» and by virtue of the mortgage agreement, as well as personal life and health insurance of the borrower, the essence of which is that, after amendments to the federal law, the policyholder will not be the borrower-mortgagor, but the lender-beneficiary bank or mortgage agent. This is another step towards housing affordability, as the amount of the first lump-sum payment when applying for a mortgage loan and subsequent annual deductions decreases, since the borrower will have to pay insurance premiums in installments for the entire period of the mortgage insurance contract as a percentage, depending on the amount of the mortgage loan.