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Арилжааны банкууд найман хувийн орон сууцны зээл авсан иргэдийн зээлийг Монголын ипотекийн корпорацид шилжүүлж байгаа билээ. Банк бүр өөр өөрийн шийдлээр энэ үйл ажиллагааг хэрэгжүүлж байна. Энэхүү зээлийг шилжүүлэхэд Хас банк хэрхэн ажиллаж байгаа талаар тус банкны Иргэдийн банкны газрын захирал Б.Оюунгэрэлээс зарим зүйлийг тодрууллаа.


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8(±1) хувийн орон сууцны зээлийн нэг онцлог нь арилжааны банкууд орон сууцны зээлийг МИК-д худалдсаны дараа эдгээр зээлийг өөрийн банкны балансаасаа хасч, балансын гадуур бүртгэж явах юм. Энэхүү үйл ажиллагаатай холбогдуулан арилжааны банкууд өөрсдийн банкны үндсэн системээс хамаарч янз бүрийн арга хэмжээг авч байгаа. Манай банкны хувьд зээлээ шилжүүлэхийн тулд зээлийн дансны дугаарыг өөрчлөх шаардлагатай болсон бөгөөд дансны дугаар өөрчлөгдөж байгаа учир зээлийн гэрээнд нэмэлт хийгдэж байгаа юм.  Түүнээс биш хүмүүсийн яриад байгаа шиг зээлийн гэрээгээ  шинээр шинэчилж байгуулж байгаа зүйл байхгүй.

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- Яагаад иргэдийн зээлийг сар болгон тэнцүү болгон өөрчилж байгаа вэ? 8 хувийн журамд өөрчлөлт орж байгаа юм уу?
-Зээлийн хугацаанд зээл болон хүүг сар бүр тогтмол хэмжээтэй төлж дуусгах энэхүү зарчмыг Монголбанкны Ипотекийн Зээлийн үйл ажиллагааны журамд “Бүрэн  хорогдох” зээл тайлбарласан байдаг. Мөн 8 хувийн зээл маань Монголбанкны Ерөнхийлөгчийн 2013 оны 6 сарын 14-ний өдөр батлагдсан  “Орон сууцны ипотекийн санхүүжилтийн журам”-ын хүрээнд хэрэгжиж байгаа.  Энэхүү журмын 3.1.7 дугаар заалтад дэд хөтөлбөрийн хүрээнд энэ журмын дагуу бий болгох орон сууцны ипотекийн зээл нь “Бүрэн хорогдох, тогтмол хүүтэй зээл байх” гэсэн байдаг. Энэхүү заалтын дагуу гэрээнд өөрчлөлт орж байгаа болохоос 8 хувийн зээлийн журамд ямар нэгэн нэмэлт өөрчлөлт ороогүй.

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-Тэгвэл хүүгийн зөрүү гарсан гэх юм. Энэ ямар учиртай юм бол?

-Үүнийг бас жишээгээр тайлбарлъя. Тухайлбал, 2013 оны арваннэгдүгээр сарын 25-нд зээлээ төлөх хуваарьтай хүн байна гэж үзье. Энэ хүн арванхоёрдугаар сарын 25-нд зээлийнхээ дараагийн төлбөрөө хийх болно. Энэ хооронд буюу арванхоёрдугаар сарын 25 болохоос өмнө хугацааг нь арванхоёрдугаар сарын 23-наар тасалбар болгоод Монголын ипотекийн корпорацид тухайн хүний зээлийг шилжүүлсэн. Тэгэхээр 23 хүртэл тухайн хүнд хуримтлагдсан хүү үүссэн байгаа юм. Өөрөөр хэлбэл, 25-нд зээлээ төлөх ёстой байсан хүний зээлийг 23-наар хөрвүүлэхэд гарсан хоёр хоногийнх нь л хүүг авч үндсэн зээлээс нь хассан. Түүнээс биш хүүг нугалж авах, эсвэл харилцагчаас илүү хүү авах зэрэг боломж банкны системд байхгүй шүү дээ. Банк гэдэг чинь нарийн хяналттай үйл ажиллагаа юм.

-Тэгвэл та бүхэнд хүүний зөрүүний талаарх гомдол, санал иргэдээс ирсэн үү. Танай харилцагчид ямар хандлагатай байна вэ?
- Шалгуур хангасан МИК-д шилжүүлж буй зээлдэгчиддээ бид гэрээнд орж буй нэмэлт өөрчлөлтийн талаар урьдчилан мэдэгдсэн. Мөн харилцагч нар маань энэхүү өөрчлөлтийн талаарх нэмж асууж тодруулах зүйлсээ өөрийн салбар, тооцооны төв болон манай мэдээллийн лавлах 1888-д хандан тайлбарлуулан гэрээний нэмэлтээ байгуулж байна. Одоогийн байдлаар бидэнд албан ёсны гомдол ирээгүй байна.

- Ярилцсанд баярлалаа.


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