Initially, the law was supposed to enter into force on January 1, 2016, but the deputies decided to begin regulating the personal bankruptcy procedure on July 1, 2015. However, many experts believe that even this date is not relevant. So, financial ombudsman Pavel Medvedev, in an interview with Rossiyskaya Gazeta, said that the law should be introduced in February.
According to experts, a decrease in real salaries of citizens, a currency mortgage will lead to the fact that already in the first quarter of 2015, massive defaults by citizens of their debt obligations are possible. As of September 1, 2014, banks in the Tomsk Region issued loans to the population in the amount of 42.7 billion rubles, of which mortgage loans – 9 billion. The total debt of individuals on loans amounted to 90 billion rubles, 32 billion rubles accounted for the mortgage.
Compared to the beginning of this year, the delay in loans to individuals increased by 41%. Continue reading