How to get a credit holiday at RNKB?

What is a credit holiday at RNKB?

In March of this year, the Government relaunched the economic support program for citizens of the Russian Federation. RNKB bank borrowers once again have the opportunity to apply for a credit holiday and defer payments on their current loans for up to six months.

It is important to understand that the program is designed only for the most vulnerable categories of citizens, and therefore the law provides for a number of restrictions:

1. Only borrowers whose income has decreased by 30% or more compared to the previous year can use the payment deferral.
2. The loan for which the credit holiday is issued must not exceed the limits established by law.
3. You can apply for the 2024 credit holiday only once.

Who is legally eligible for a credit holiday at RNKB?

As we already mentioned, only citizens whose income has dropped by more than a third compared to the previous year can get a payment deferral. You can find out if a borrower qualifies for the program as follows:

1. Calculate the average monthly income for the previous year.
2. Compare it with the income for the month preceding the date of application for the benefit.
3. If income has decreased by 30% or more, apply for a credit holiday.

Персональный подбор

Подберем предложения под вашу ситуацию

Оставьте телефон — покажем варианты с высокой вероятностью одобрения и актуальными условиями.

• Проверенные предложения
• Без звонков от менеджеров
• Результат в удобном канале

Website

Phone required

Email for selection

Согласен на обработку персональных данных и получение информационных и рекламных сообщений. Privacy Policy. Также хочу получать персональные подборки в Telegram. Это необязательно, отключить можно командой /stop. Подобрать предложения

Which loans are covered by the program?

You cannot get a credit holiday for large loans — the program is designed for relatively small consumer loans:

• for consumer loans for individuals with a maximum amount not exceeding 450,000 RUB;
• for secured auto loans in the amount of up to 1.6 million RUB;
• for unsecured auto loans in the amount of up to 450,000 RUB;
• for credit cards with an actual limit of up to 150,000 RUB.

When granting a credit holiday, it is not the remaining debt balance that is taken into account, but the loan amount specified in the agreement.

How do credit holidays under Federal Law 353-FZ work?

When applying for a credit holiday on consumer loans, the following conditions are met:

• the amount of interest and penalties is fixed as of the start date of the credit holiday and is paid after it ends;
• interest continues to accrue during the credit holiday and is paid after it ends;
• if credit cards are available, they will be temporarily blocked for outgoing transactions.

Conditions for credit cards are practically identical:

• the grace period on the credit card ceases to be valid during the credit holiday;
• the amount of interest and penalties is fixed as of the start date of the credit holiday and is paid after it ends;
• interest continues to accrue during the credit holiday and is paid after it ends;
• all credit cards will be temporarily blocked for outgoing transactions.

What documents are required to apply for a credit holiday in 2024?

The borrower's task is to prove to the bank that they have found themselves in a difficult financial situation and are eligible for state support. To do this, they need to provide documents confirming their right to a deferral. The following can serve as proof:

• 2-NDFL income statement;
• certificate of registration as unemployed;
• copy of the labor book with the dismissal record;
• sick leave certificate;
• copy of the salary reduction order;
• copy of the employer's suspension of operations order.

How to apply for a credit holiday at RNKB in 2024?

You can apply for a credit holiday remotely on the bank's website, in the RNKB mobile app, at a branch of the credit institution, or by mail. Let's look at each method in a bit more detail.

On the bank's website

To apply online on the RNKB website, you need to:

• go to the bank's official website via the link: https://www.rncb.ru/;
• open the “Individuals” section;
• go to the “Loans” tab;
• open the “Restructuring and credit holidays” tab;
• select the required program;
• fill out the application.

In the mobile app

The application process through the mobile app is nearly identical. To get credit holidays, you need to:

• log in to the mobile app;
• open the “Showcase” section;
• select “Credit holidays”;
• fill out the application.

At a bank branch

To apply at a bank office, find the nearest branch in advance and visit it during business hours. It’s best to prepare the package of supporting documents ahead of time.

By mail

To apply by mail, fill out the application in advance and attach supporting documents. Send the letter using the details provided on the bank’s website at the link: https://www.rncb.ru/about/?#tab-about-3.

Answering questions

To conclude the article, we will answer the most frequently asked questions on the topic.

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

Yes, you need to notify the bank of your decision. You can do this by calling the hotline or visiting a branch.

The bank refused to grant credit holidays. Why?

Most likely, you simply don’t qualify under the program.

Can I appeal the bank’s decision?

If you disagree with the lender’s decision, you can file a complaint about the credit institution on the Central Bank of Russia website.

What should I do if I work unofficially and can’t confirm that my income has decreased?

Without evidence, you won’t be able to use the program and get a payment deferral.

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.