INSTRUCTION OF CENTRAL BANK OF THE RUSSIAN FEDERATION

of July 30, 2019 No. 5219-U

About modification of the Instruction of the Bank of Russia of August 31, 2018 No. 4892-U "About asset types, characteristics of asset types to which allowances to risk coefficients, and application technique to the specified asset types of allowances for the purpose of calculation with credit institutions of capital adequacy ratios are established"

1. Based on Articles 45. 2, 62 and 72 Federal Laws of July 10, 2002 No. 86-FZ "About the Central bank the Russian Federation (Bank of Russia)" (The Russian Federation Code, 2002, No. 28, Art. 2790; 2003, No. 2, Art. 157; No. 52, Art. 5032; 2004, No. 27, Art. 2711; No. 31, Art. 3233; 2005, No. 25, Art. 2426; No. 30, Art. 3101; 2006, No. 19, Art. 2061; No. 25, Art. 2648; 2007, No. 1, Art. 9, Art. 10; No. 10, Art. 1151; No. 18, Art. 2117; 2008, No. 42, Art. 4696, Art. 4699; No. 44, Art. 4982; No. 52, Art. 6229, Art. 6231; 2009, No. 1, Art. 25; No. 29, Art. 3629; No. 48, Art. 5731; 2010, No. 45, Art. 5756; 2011, No. 7, Art. 907; No. 27, Art. 3873; No. 43, Art. 5973, No. 48, Art. 6728; 2012, No. 50, Art. 6954; \Art. U-2116\53, 7591, Art. 7607; 2013, No. 11, Art. 1076; No. 14, Art. 1649; No. 19, Art. 2329; No. 27, Art. 3438, Art. 3476, Art. 3477; No. 30, Art. 4084; No. 49, Art. 6336; No. 51, Art. 6695, Art. 6699; No. 52, Art. 6975; 2014, No. 19, Art. 2311, Art. 2317; No. 27, Art. 3634; No. 30, Art. 4219; No. 40, Art. 5318; No. 45, Art. 6154, No. 52, Art. 7543; 2015, No. 1, Art. 4, Art. 37; No. 27, Art. 3958, Art. 4001; No. 29, Art. 4348, Art. 4357; No. 41, Art. 5639; No. 48, Art. 6699; 2016, No. 1, Art. 23, Art. 46, Art. 50; No. 26, Art. 3891; No. 27, Art. 4225, Art. 4273, Art. 4295; 2017, No. 1, Art. 46; No. 14, Art. 1997, No. 18, Art. 2661, Art. 2669; No. 27, Art. 3950; No. 30, Art. 4456; No. 31, Art. 4830; No. 50, Art. 7562; 2018, No. 1, Art. 66; No. 9, Art. 1286; No. 11, Art. 1584, Art. 1588; No. 18, Art. 2557; No. 24, Art. 3400; No. 27, Art. 3950; No. 31, Art. 4852; No. 32, Art. 5115; No. 49, Art. 7524; No. 53, Art. 8411, Art. 8440; 2019, No. 6, Art. 463; No. 18, Art. 2198; No. 23, Art. 2921; No. 27, the Art. 3538) and according to the solution of the Board of directors of the Bank of Russia (the minutes of the Board of directors of the Bank of Russia of July 26, 2019 No. 19) to bring in the Instruction of the Bank of Russia of August 31, 2018 No. 4892-U "About asset types, characteristics of asset types to which allowances to risk coefficients, and application technique to the specified asset types of allowances for the purpose of calculation with credit institutions of capital adequacy ratios", registered by the Ministry of Justice of the Russian Federation on September 25, 2018 No. 52249, the following changes are established.

1.1. In Item 2:

third to state the paragraph in the following edition:

"credit requirements and requirements for receipt of the added (cumulative) percent on mortgage loans (loans) granted to physical persons in the rubles for the purpose of which are not connected with implementation of business activity by them on which obligation fulfillment of the borrower is provided with pledge of the residential and (or) non-residential premise;";

the fifth to state the paragraph in the following edition:

"credit requirements and requirements for receipt of the added (cumulative) percent on the loans (loans) granted to physical persons in rubles on which obligation fulfillment of the borrower is provided with pledge of the vehicle;";

to declare the paragraph of the sixth invalid.

1.2. In Item 3:

shall be replaced with words words of "money on credit cards" "on issue of money to physical persons with use of bank cards";

add with the new paragraph of the following content:

"Credit requirements and requirements for receipt of the added (cumulative) percent on the credits (loans) for the consumer purposes do not include the requirement for the educational loans granted according to the Federal Law of December 29, 2012 to No. 273-FZ "About education in the Russian Federation" (The Russian Federation Code, 2012, No. 53, Art. 7598; 2013, No. 19, Art. 2326; No. 23, Art. 2878; No. 27, Art. 3462; No. 30, Art. 4036; No. 48, Art. 6165; 2014, No. 6, Art. 562, Art. 566; No. 19, Art. 2289; No. 22, Art. 2769; No. 23, Art. 2930, Art. 2933; No. 26, Art. 3388; No. 30, Art. 4217, Art. 4257, Art. 4263; 2015, No. 1, Art. 42, Art. 53, Art. 72; No. 18, Art. 2625; No. 27, Art. 3951, Art. 3989; No. 29, Art. 4339, Art. 4364; No. 51, Art. 7241; 2016, No. 1, Art. 8, Art. 9, Art. 24, Art. 72, Art. 78; No. 10, Art. 1320; No. 23, Art. 3289, Art. 3290; No. 27, Art. 4160, Art. 4219, Art. 4223; No. 27, Art. 4238, Art. 4239, Art. 4245, Art. 4246, Art. 4292; 2017, No. 18, Art. 2670; No. 31, Art. 4765; No. 50, Art. 7563; 2018, No. 1, Art. 57; No. 9, Art. 1282; No. 11, Art. 1591; No. 27, Art. 3945, Art. 3953; No. 28, Art. 4152; No. 31, Art. 4860; No. 32, Art. 5110, Art. 5122, Art. 5130; No. 53, Art. 8423; 2019, No. 10, Art. 887; No. 18, Art. 2209; No. 25, Art. 3160; "The official Internet portal of legal information" (www.pravo.gov.ru), on July 26, 2019) on which the state support of educational crediting according to the procedure, No. 197 established by the order of the Government of the Russian Federation of February 26, 2018 "About approval of Rules of provision of the state support of educational crediting" (The Russian Federation Code, 2018, is provided to No. 11, by Art. 1620; 2019, No. 11, Art. 1131).".

1.3. In item 4:

the fourth and fifth to state paragraphs in the following edition:

"(I will occupy) requirements for the loans (loans) granted for the purpose of complete or partial obligation fulfillment on other mortgage loan if on the granted loans (loans) registration and state registration of the agreement on mortgage (mortgage) is performed and from the date of their provision there passed no more than two months.

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