What should you do in the event of an insured event?

If an event occurs that has signs of an insured event, you must immediately contact a bank branch and present the original death certificate of the Borrower or co-borrower and, if available, the certificate of inheritance rights, as well as provide additional information about the heirs:

• Full name;
• degree of kinship;
• registration and residential address;
• contact phone number;
• email address.

To have the event recognized as an insured event, contact the insurance company (hereinafter referred to as the insurer), and if this is not possible, contact the bank and provide the full set of documents upon request.

Wait for the insurer's decision. If the event is recognized as an insured event, the insurer will request from the bank a certificate indicating the outstanding loan debt under the loan agreement and will transfer funds to the bank to repay the loan or part of it within the time limits established by the insurance contract.

Important! Interest on the mortgage loan accrued on the principal debt from the date of death of the Borrower or co-borrower until the date of inheritance rights taking effect shall be paid independently by the heir.

To resolve issues related to all other insured events (disability of the Borrower or co-borrower, loss or damage to the structural elements, or loss of title, etc.), you must also contact the insurer or the bank, while continuing to make loan payments until all issues are resolved and the insurer pays the insurance indemnity amount (if the event is recognized as an insured event).

If you do not know the name of the insurer or do not have information about insurance of the loan agreement, contact the bank by hotline at 8 (800) 250-57-57.

Attention!

If you are in a difficult financial situation or the insurer has refused payment for the insured event, and you are unable to make timely loan payments, contact the bank by phone at 8 (800) 250-57-57 for loan restructuring. The unified federal restructuring helpline operates on weekdays from 07:00 to 16:00 Moscow time.