About

that SKB-Bank has made such a proposal to clients, said in a report Sverdlovsk Rospotrebnadzor. Besides the autumn of 2008, called SKB-Bank’s borrowers (including those entered into an agreement with the terms of a unilateral change in rate), received a letter «increasing interest rate and monthly payment» of credit.

The bank sought to borrowers with such a proposal, reiterated his manager: «The majority of our contracts were not relevant item, we have it [the fall], when the redemption of loans AHML has failed». The rate on the mortgage was increased by 2-3%, said the fall in call-center bank. The payments, according to an interlocutor «Vedomosti», increased «slightly», for example, from 30 000 to 34 000 rubles. Of the 500 million rubles. mortgage portfolio of the bank, he said, translated to the new conditions of 150-200 million rubles.

If the contract provides for the right bank to unilaterally change the rates without the consent of the citizen to increase the rate obligations are stored in original form, it is noted in the record Rospotrebnadzor.

Manager SKB-Bank is acknowledged. When asked why, many have agreed to new conditions, he says evasively: «It seems that they are not all that bad». The bank, he said, had warned the client that the loan with the old rates will likely be sold to outside investors, besides all those who refused, the bank «fixes for the future», and on this basis will decide whether to respond to his requests (which He did not say) in the future.

Bank has the right to revise the rates, usually in two cases, said the retail business unit zamrukovoditelya Alfa Bank Il’ya Zebari: with a significant decline in the value of the collateral or if the borrower was unable to verify income, sufficient to meet obligations. You can appeal to delay, unrenewed insurance, but it can be challenged in court, added the head of retail banking unit Russ Basil Palatkin.

At the rate increase could accept clients who have overdue payments, said President of the board Bar «Barshchevsky Partners» Samvel Karakhanyan, some banks are in such a case, offering a choice: early repayment of a loan or a rate increase – if the client is committed, there is no reason to accept the increase. Perhaps, they suggested some conditions from which they were unable to refuse, or misled, he discusses: «In any case, is poaplodirovat borrowers, who extended a helping hand bank, philanthropy clean water!»

in SKB-Bank declined to comment, its main shareholder – Group «Cinar» had not responded to the request.