They recommended psychological tests when applying for a loan in Russia. The Prime Ministry reports this.
The corresponding proxy request from the head of the State Duma family committee, Nina Ostanina, was sent to the head of the Central Bank of the Russian Federation, Elvira Nabiullina. As noted, such a step would protect Russians from phone scammers who persuade people to take out loans for their own benefit.
“I would like to ask you to consider the proposal to introduce psychological tests for lending. I also ask you to state the position of the Central Bank on changing the legislation,” says Ostanina’s address to Nabiullina.
According to him, if the test results are insufficient, the citizen will need to meet with a psychologist at the bank.
Before that the Central Bank registeredDespite the rapid growth in the loan portfolio, it seems that the personal loan service quality is still high. But the regulator is concerned about the quality of new issues. Especially in July-September, half of the mortgages were given to borrowers with down payments below 20%. At the same time, almost half of all housing loans went to citizens who spent more than 80 percent of their income on debt payments.
Previously residents of Moscow and Moscow region there is Save the mortgage amount