Guarantors - best friends of borrowers and banks, are increasingly being forced to pay foreign debts. According collectors for the crisis year of work with sureties, the victims of unscrupulous borrowers significantly increased. This is due primarily to the active use of the recent judicial punishment.

With the surety may require repayment only after the Supreme Court declares the debtor bankrupt, - explains Alexey Kozyrev, deputy director general of the agency Sequoia Credit Consolidation. In the future, projected ekperta, the intensity of visits to guarantors will only grow.

It is worth remembering occurred recently in the airport Domodedovo, which was delayed poruchitelnitsa on credit, who designed her friend. She was barred from leaving the country to pay the debt. The woman was forced to pay the debt at the airport, the benefit amount was small, about six thousand.

Bailiffs, in contrast, are not inclined to dramatize the situation around the guarantors. In their view, the number of visits to guarantors for repayment of debt has increased slightly.

But if you look at antikollektorskie forums, they are simply overwhelmed requests both borrowers and guarantors to protect from the onslaught of security services, banking and collection agencies, which are often in a rude and threatening form of trying to knock out debts.

Now banks are reluctant to advertise Statistics for guarantors for debts. But it is not difficult to guess that most problems with mortgages, especially foreign exchange, says the independent expert on the banking sector Mikhail Pillars: Arrears on mortgages has grown significantly, and banks are very active pick up mortgages - apartments, houses, etc. Accordingly, the sureties on mortgages are under attack.

Experts assert that the reason for such a picture - the naivete and gullibility of our fellow citizens who are to blame for their decisions. Most of them, not having the legal knowledge, not looking to sign banking securities and assume the obligations of family members, colleagues, partners, etc. And the banks will not miss an opportunity to wind enormous fines and penalties for delay. So, thanks to them the amount of debt for several months has grown significantly.

Particular difficulties, according to experts, there are a small commercial banks, which by any means, not always legitimate, try to knock out with the surety debts of the borrower. Public credit institutions behave less aggressively. They still respect the old rules of work and operate within the law, that they only plus, - said Andrey Vlass, attorney-advisor of the law firm Onlyway (antikollektorskoe Agency).

Refusing guarantors, banks do not intend to. The higher the amount, the greater the risk, takes over the bank, therefore, it requires greater security refund in full, commented on the position of the press service of Savings Bank. No guarantees are, for example, consumer credit programs, where there are restrictions on the amount - up to 250 thousand rubles.

As a rule, claims that are made by the bank to the guarantors, are identical to those that are presented to the borrower. Line protection guarantor, entered into a friendly-credit relations with unscrupulous relatives, friends and colleagues, is also standard, experts observe. If the sponsor does not have money, it is necessary to prove - to take a certificate from the Labor Exchange, bring a copy of work record with a mark of separation, that is, to substantiate that you are not lazy, and affected by the crisis and the money to repay you, too, no, - advises Mr. Vlass.

Avoid vicarious liability still fail. Say what you like, will have to repay. The only thing that can make bail - then recapture their money from the defaulter through the courts. Consolation weak, but because the expression second thoughts ... is more relevant than ever.

Rating developments affecting Russia's market

 

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NOTE:

1. most powerful influence on the market have an event with a rating of A events with D rating on our scale, have little influence.

2. In the sections Macroeconomics and Commodity Markets in column 2 in the brackets can be specified rating of the previous day.
3. down arrow in column 3 indicates the likely negative impact on the market, the arrow up - positive /neutral.

FUNDS - moderately negative

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