How to get a credit holiday at Gazprombank in 2024?

First of all, Gazprombank has its own support programs for borrowers who have temporarily found themselves out of work or lost their income. Such clients can count on:

Sravnim24 editorial team
Imil Tkarev

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What is a loan holiday at Gazprombank?

Gazprombank loan holiday

First of all, Gazprombank has its own support programs for borrowers who have temporarily found themselves out of work or lost their income. Such clients can count on:

loan extension — reducing monthly payments by extending the loan agreement term;
changing the debt repayment method — from differentiated to annuity payments;
deferral and payment reduction.

In addition to its proprietary restructuring program, starting January 1, 2024, Gazprombank has been issuing state-backed loan holidays. We remind you that this winter, the Government relaunched the program providing a permanent option to defer monthly payments for citizens in need — those who have found themselves in a difficult situation after losing their job or a portion of their salary.

How to get a loan holiday under Federal Law No. 353-FZ?

Since the state program aims to help citizens facing financial hardship:

You are in a difficult life situation
No prior changes have been made to the loan agreement at your request pursuant to Federal Law No. 353-FZ or Federal Law No. 106-FZ (except for applications on other grounds)
As of the date the Bank receives the application:
✔ there is no information regarding the borrower's bankruptcy
✔ the Bank has not issued:
— an enforcement document
— a demand to the Borrower's Guarantor
— foreclosure on the collateral
✔ the grace period established in accordance with Federal Law No. 377-FZ is not in effect

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Who is eligible for a loan holiday by law?

According to Federal Law No. 106-FZ, only citizens whose income has dropped by at least 30% compared to the previous year, or individuals affected by an emergency, can apply for a monthly payment deferral.

Which loans are eligible for a loan holiday in 2024?

To qualify for a monthly payment deferral, the loan for which the loan holiday is requested must not exceed the statutory limits:

specifically, the consumer loan amount for individuals must not exceed 450,000 RUB;
car loan with collateral — 1.6 million RUB;
mortgages — 15 million RUB;
credit card — 150 thousand RUB.

When applying for a loan holiday, the remaining debt balance is not considered, but rather the loan amount specified in the agreement.

What documents are required to apply for a loan holiday?

When applying for a payment deferral, the borrower must confirm their eligibility for the benefit. This can be done by gathering the necessary documents:

Copy of the identity document of the Borrower/Co-borrower
Document confirming the consent of the Pledgors (if loan obligations are secured by a pledge and the Pledgor is a third party)
Document confirming the consent of the Guarantor (if loan obligations are secured by a guarantee)
Documents confirming a decrease in the income of the Borrower/Co-borrower
or
Documents establishing the facts of the Borrower's residence in residential premises located in an emergency zone, where there is a violation of living conditions or property was lost as a result of an emergency

Gazprombank loan holiday

How to apply for a loan holiday at Gazprombank in 2024?

You can apply for credit holidays at Gazprombank in just two ways:

at a branch of the credit institution;
by hotline phone — 8 (800) 301-06-01.

Documents confirming eligibility for the benefit must be submitted to the bank no later than 30 days from the date Gazprombank sends a request to the borrower.