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Claimants interested in mortgages for apartments

Взыскатели заинтересовались закладными на квартиры

Collectors began to show an active interest in the purchase of mortgage debts along with mortgage loans, writes “Kommersant”. Thus, a significant volume of mortgage, which transferred to him the right of claim secured by real estate, bought as part of a pilot project the collection Agency EOS. The exact amount, name of banks and the purchase price the company did not disclose.

EOS has acquired the rights to the loan, arrears which amounted to a year. The valuation was carried out with the assistance of specialized appraisers, in this case was whether the property is the only shelter of the debtor, was not considered. The Agency deemed the pilot successful and intend to expand in this direction.

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Traditionally, banks prefer to pay such debts for Agency recovery either sell the rest of the uncovered debt after the sale of apartments. By the end of 2018 on the mortgage debt accounted for no more than 1% (2.9 billion rubles) of total debts sold to collectors.

Purchase of mortgage loans under cession collectors will cause tension among the borrowers, as laid, as a rule, is the only one they have housing, warns the head of the onf project “For the rights of borrowers” Eugene Lazarev. According to her, banks after the onset of mortgage arrears, as a rule, try to log on to the borrower and to offer him a way out of the situation.

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But collectors have no need to offer the debtor various rehabilitation or maintenance treatments, from the standpoint of economic models will be easier to implement security and make a profit as quickly as possible and permitted under the law, the expert concludes.



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