Elizaveta Danilova, Director of the Financial Stability Department of the Central Bank of the Russian Federation, said: TASSIt was stated that the Central Bank of Russia is working on a special loan product for citizens at increased risk. This category of borrowers will be able to get a loan from banks of up to 100 thousand rubles.
Even if the rates are above average, it will still be more profitable than an MFO loan. Such loans will not be subject to restrictions on the full cost of the loan. The risky customer criterion is still being discussed, but a debt load of over 60% is considered a possible option.
The Bank of Russia also plans to extend the moratorium on limiting PSC for all loans until April 1, 2024.
In December 2022, the Central Bank of Russia proposed the introduction of a new category of consumer loans for high-risk borrowers whose financial situation is above average but still allows them to count on regular debt payments.
Number of people who cannot pay their loan debts in Russia exceeded 21 million people in January – February 2023, which is 22% more than in the same period last year.
Formerly in the State Duma offered Prohibiting loans to foreign agencies.