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НАЙМАН ХУВИЙН ЗЭЭЛ БУЮУ ШИНЭ МӨРӨӨДӨЛ


НАЙМАН ХУВИЙН ЗЭЭЛ БУЮУ ШИНЭ МӨРӨӨДӨЛ
Иргэн Болд орон сууцны найман хувийн зээлд хамрагдах хүсэлтээ худалдаж авахаар сонгосон барилгын компанийнхаа гэрээт банканд хүргүүлжээ. Гэрээт гэдэг нь тухайн банк барилгын компани хоёрын тусгайлсан гэрээг хэлж байгаа юм. Өнөөдрийн байдлаар шинээр баригдаж байгаа барилгуудын дийлэнх нь тодорхой нэг банктай гэрээ байгуулж,  байр худалдан авсан иргэнд давуу эрхээр найман зээл олгох боломжийг бүрдүүлж байгаа зах зээлийн жишиг бий болсон. Гэвч иргэн Болдын өнгөрсөн тавдугаар сард найман хувийн зээлд хамрагдахаар хүргүүлсэн материалыг банк хоёр сарын дараа буцаажээ. Тухайн хоёр байгууллага гэрээтэй ч иргэн Болдод энэ удаад найман хувийн зээл олгогдсонгүй. Ингэснээр Болд дахин өөр банкны хаалга сахиж найман хувийн зээлд хамрагдах шинэ мөрөөдлөө биелүүлэх гарц хайна.

Уг нь Монголбанкны ерөнхийлөгчийн 2016 оны аравдугаар сарын 25-ны тушаалаар "Орон сууцны ипотекийн санхүүжилтийн журам”-ыг шинэчлэн баталсан. Журамд орон сууцны ипотекийн зээлийн санхүүжилтийг Монголбанк өөрийн өмчлөлд байгаа ипотекийн зээлээр баталгаажсан бондын үндсэн болон купонытөлбөрийн эргэн төлөлтийн орлогоор санхүүжүүлэхээр тусгажээ. Өнөөдрийн байдлаар зээлийн эргэн төлөлтөөс сард 34-40 орчим тэрбум төгрөг төвлөрдөг. Нэг үгээр энэ эх үүсвэрээр сар бүр орон сууцны ипотекийн санхүүжилтийг олгож байгаа гэсэн үг.

Гэсэн ч найман хувийн зээлд хамрагдаж, орон сууцтай болохыг хүссэн иргэд банкуудад өргөдлөө хүргүүлж байгаа ч хэсэг хугацааны дараа "шаардлага хангахгүй” гэсэн тайлбараар буцах нь жирийн үзэгдэл. Ихэнх банкууд найман хувийн зээл олгож байгаа гэх албан мэдээлэл гарч байгаа ч банкуудын эдийн засагчид өөр тайлбар өгдөг. Тэд тодорхой тооны хязгаар юм уу, хугацааны дараа иргэн таны зээл хүссэн өргөдлийг хүлээж авна гэдгээ маш эелдгээр дуулгадаг. Уг нь тоо баримтуудад ипотекийн зээл хамгийн өндөр төлөлттэй байдаг ч зээл хумигдаж, иргэд хүлээлтийн байдалд шилжээд байна. Нэг үгээр 30 хувиа бүрдүүлсэн, зээлээ төлөх чадамжтай иргэний хүсэл нь найман хувийн зээл болоод удаж байна.

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