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Date: 10 months ago   Category: Finances

Russia will limit delivery of consumer loans?


Now in the State Duma prepare amendments to the law which won't allow banks to impose loans to Russians who already spend a half of income of the Photo for payments: To Banks and the microfinancial organizations want to forbid to issue to depositphotos.com the credits if payments on them exceed a half of income of the borrower. The relevant amendments to the legislation are prepared by the State Duma Financial Market Committee, the Izvestia newspaper writes. Will refuse new loans to insolvent or loaded with debt applicants. The initiative purpose — protection of citizens, has sharply grown debt load of the low-paid population today, and on unsecured credits, and banks literally impose these loans. The document is created for an exception of such situation, the Chairman of the State Duma Committee on the financial market Anatoly Aksakov:anatoly Aksakov the Chairman of the State Duma Committee considers on the financial market "We decide only on a ratio of 40-50%, it is the main discussion. All other approaches, it seems, are supported by the Central Bank and the Ministry of Finance therefore I expect that within three weeks, maybe, months the bill will be ready and submitted for consideration in the State Duma. Naturally, this approach not really is pleasant to financial institutions, but it is necessary if the law is adopted, to adhere to requirements. Yes, loans, are now issued by especially microfinancial organizations, without looking at solvency of the citizen, then collectors begin to slight this citizen. That it was less such situations, just and the relevant bill is offered. First of all, we suggest to extend these norms to poor loans and the credits". The initiative to limit crediting of citizens has also risks as the citizens who haven't obtained the loan will grant illegal certificates of income and also to address so-called "black" creditors. The CEO of the Center of development of a kollektorstvo Dmitry Zhdanukhin:dmitry Zhdanukhin the CEO of the Center of development of a kollektorstvo "Comments on the bill is the next populist step when by means of change of the law try to reach what has to be reached by other means, namely increase in financial literacy recommendatory work with creditors that those checked how many the person spends. Besides, even if to will adopt the law, in Russia it will badly work as the citizens who are in a difficult situation owing to own financial illiteracy or vital circumstances often use various counterfeit references or informal sources of income. Banks and the microfinancial organizations will resist the law because on them responsibility for check of the borrower will be imposed in addition that isn't always simple. Respectively, time they will be obliged to check it, in case of bad check, sanctions can follow". Banks often drive the clients into dependence then to take away from them property. This bill isn't favorable to the financial organizations therefore it will hardly pass, considers a gene

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