The National Bank adopted the resolution No. 49 "About single questions of activity of banks" which since February 5 temporarily I cancelled a number of rigid standards on purpose "reduction of negative influence of financial crisis by activity of the banks, the financial condition of borrowers substantially connected with deterioration and change of an exchange rate of hryvnia". About it the Businessman - Ukraine" writes ". Offers of NBU will allow banks to improve the financial state.
In hope to facilitate to borrowers payment of the risen in price credits of NBU I allowed banks till January 1, 2011 "independently and on the risk" to carry out restructuring of the credits of natural persons, estimating their financial position and level of repayment of debt without restructuring, - not to transfer debtors to lower category (the highest - And, the lowest - D). If the borrower agrees with bank regularly to pay part of the credit, the bank shouldn't create reserves from - for failure of the previous payment plan of a loan. And if the client half a year honestly pays on the credit, the bank will be able to transfer it from a class B, B and G to higher and to lower loading on reservation of the bad credit.
The regulator urged banks to adhere to such principles during restructuring of the credits: to create conditions for renewal of payments by extension of periods of validity of credit agreements and/or reduction of monthly payments to acceptable level, proceeding from financial opportunities of the borrower; to avoid the conflict of interests of bank and clients during pledge realization on the credit; to refuse penalties.
On December 4 I gave a similar privilege of NBU to borrowers - legal entities: banks acquired the right to prolong the credits to producers till October 1, 2009, without worsening a class of borrowers (resolution No. 413). But banks almost had no this right. According to Cabinet of Ministers, the credits to landowners were prolonged only on 1 billion UAH from 4 billion UAH