How to get credit holidays at Otkritie in 2022?

What are loan holidays at Otkritie Bank?

First of all, Otkritie has its own restructuring program. Borrowers who are temporarily unable to fulfill their obligations to the bank can apply for:

• a debt repayment deferral for up to six months;
• an extension of the loan term by reducing monthly payments;
• a reduction in the interest rate until the end of the loan term.

In addition to its own restructuring program, Otkritie offers statutory government loan holidays for those who have lost part of their income or their salary entirely. These are the ones we will discuss.

How to get credit holidays at Otkritie in 2022?

It should be understood that the government program is not designed for all borrowers, but only for those who have genuinely found themselves in a difficult financial situation. Therefore, the law provides for a number of restrictions:

1. Only people whose income has dropped by at least 30% compared to the previous year can use loan holidays.
2. The program applies to loans issued before March 1, 2022.
3. You must apply for a deferral of monthly payments no later than September 30, 2022.
4. You can only get loan holidays if the loan amount does not exceed the established limits.
5. You can use the program only if the previous statutory payment deferral was granted no later than September 30, 2020.

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Who is eligible for a loan holiday by law?

Borrowers whose salary has decreased by 30% or more compared to the previous year can count on getting loan holidays. When submitting an application, the bank client will need to document this information. Evidence may include:

• a personal income and tax amount certificate in the Federal Tax Service form for the current and previous year;
• a bank-format income certificate;
• a disability certificate lasting for at least one month;
• an extract from the register of recipients of state employment services for individuals confirming registration as unemployed;
• a certificate from the employment service confirming the citizen's registration as unemployed;
• a tax return for the current year and 2021:
• a certificate of the status of calculations on the professional income tax for the current year and 2021.

Which loans are eligible for loan holidays?

The program applies to all types of consumer loans: cash loans, auto loans, mortgages, and credit cards. The only requirement that loans must meet is compliance with statutory limits:

• thus, the maximum amount of a consumer cash loan for individuals must not exceed 300,000 RUB;
• consumer loan for individual entrepreneurs — 350,000 RUB;
• auto loan with collateral — 700,000 RUB;
• mortgage — 6 million RUB for Moscow, 4 million RUB for the Moscow Region, St. Petersburg, and the Far Eastern Federal District, 3 million RUB for other regions of Russia;
• credit card — 100,000 RUB.

How to apply for loan holidays at Otkritie in 2022?

To apply for a deferral of monthly payments, the borrower needs to:

1. Download and fill out the credit holiday application form on the page via the link: https://www.open.ru/credit_holidays.
2. Fill out the letter template and attach copies of the following documents: the application for relief, the second and third pages of the passport, as well as the registration spread, and any document from the list above.
3. Send the application and copies of documents to the lender's email: kn_kanikuli@open.ru.

Answering frequent questions

Can I apply for credit holidays for several loans at once?

If your loans fall under the program, you can apply for a deferral of monthly payments for each of them.

When should you apply for credit holidays?

You should apply for a payment deferral no later than September 30, 2022.

Why did the bank refuse to grant credit holidays?

Most likely, you simply do not meet the program's requirements.

Can I end credit holidays before the period specified in my application?

Yes, to do this, you need to notify the bank of your decision.

What interest rate will apply to my loan during the credit holidays?

Loans are calculated at ⅔ of the average market rate of the Central Bank of Russia.