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Клиенты Нордеа-банка недовольны новым кредитором

Фото:
Олег Харсеев /

Коммерсантъ

Покупка Совкомбанком ипотечного портфеля Нордеа-банка обернулась проблемами для заемщиков последнего. Клиенты жалуются, что из-за смены кредитора не могут в полной мере исполнять свои обязательства. Сложности технические, и они будут устранены, но негативный след может остаться и в памяти, и в кредитных историях клиентов. Эксперты допускают, что в итоге многие предпочтут рефинансировать кредиты в других банках.

За последний месяц на сайте banki.ru появились массовые жалобы бывших ипотечных заемщиков Нордеа-банка, связанные с переходом их обязательств к новому кредитору — Совкомбанку. Сделка была закрыта 23 января. Примерно тогда же появились и первые жалобы. Клиенты говорят о невозможности получить в офисах Совкомбанка достоверную информацию по кредитам, об изменении сроков платежей, некорректных расчетах при частичном досрочном погашении. Все это выливается в технические просрочки и начисление штрафов.

О покупке Совкомбанком портфеля ипотечных кредитов Нордеа-банка примерно на 16 млрд руб. стало известно в середине января (см. «Ъ» от 18 января). По словам бывших клиентов Нордеа-банка, за три дня до официального объявления о сделке (то есть 20 января) банк разослал уведомление о переуступке прав требований. «Указанная продажа (уступка) прав требований не приведет к каким-либо изменениям объема прав и обязанностей по кредитному договору… Размер ежемесячных платежей по кредитному договору и сроки их оплаты остаются прежними»,— говорится в письме банка, предоставленном «Ъ» одним из заемщиков.

В Нордеа-банке сообщили, что в рамках сделки с Совкомбанком вся информация была передана в полном объеме и в установленные сроки. Сделка предполагала перевод достаточно большого количества заемщиков и данных в ограниченный период времени. «Безусловно, при этом изменился и привычный способ общения заемщика с банком, что, возможно, и создало временные неудобства. Но это технические моменты, которые, безусловно, будут решены»,— уверяют в Нордеа-банке.

В Совкомбанке уточнили, что в портфеле 8 тыс. кредитов, но отказались представить данные о количестве жалоб. По словам источников «Ъ», их много, так как на стороне покупателя были сложности с техническим обслуживанием кредитов, которые не сразу удалось устранить. «Действительно, были некоторые технические проблемы, которые мы стараемся устранить. По количеству открытых претензий остались единичные обращения,— заверил «Ъ» зампред правления Совкомбанка Сергей Хотимский.— При переходе крупных кредитных портфелей часто возникают технические сложности». При этом, по его словам, подавляющая часть жалоб поступает от клиентов, которые находятся в глубокой просрочке и не настроены на конструктивный диалог. «Это группа из 30-40 заемщиков, от которых мы получаем претензии, написанные как под копирку. С ними мы, вероятно, будем решать вопросы уже в судебном порядке»,— пояснил топ-менеджер.

Покупка портфелей — обычная практика для банков. Как правило, смена кредитора не вызывает проблем у заемщиков. Среди известных примеров — покупка Райффайзенбанком портфеля Сведбанка, аналогичные сделки проводили также «Дельта кредит» и ВТБ 24. По словам зампреда правления Райффайзенбанка Андрея Степаненко, в таких ситуациях важно заблаговременно оценить структуру приобретаемого портфеля и понять, может ли учетная система банка быть параметризована под условия новых кредитов. «Если покупать наобум, закономерным результатом будет возникновение различных проблем»,— поясняет он. Даже если банк впервые выкупает ипотечный портфель и технически не вполне к этому готов, то месяца вполне достаточно, чтобы выявить и устранить все погрешности, которые могут отразиться на заемщиках, уверена зампред правления Абсолют-банка Татьяна Ушкова. В Совкомбанке сообщили, что выставленные клиентам штрафы за неправильно списанные платежи будут полностью компенсированы.

Однако вынужденные просрочки могут негативно сказаться на кредитной истории заемщиков и их отношении к банку. Ипотека — долгосрочный кредит, и высока вероятность, что заемщики, не имея возможности комфортно обслуживать обязательства, захотят сменить банк, указывают эксперты. «Сейчас рынок предлагает хорошие варианты перекредитования — от 10,9% годовых. Если брать наши объемы по ипотеке с начала года, то около 40% это рефинансирование кредитов других банков»,— отмечает господин Степаненко. Заемщики, столкнувшиеся с проблемами при переходе на обслуживание в Совкомбанк, не скрывают, что рассматривают вариант рефинансирования.

Источник: kommersant.ru

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