The waiting period for consumer loans is an important tool that increases the security of citizens. After the loan is approved, the bank will check the request to exclude the intervention of fraudsters, explained BitRiver’s economist and communications director Andrei Loboda in a conversation with RT.
The introduction of the cooling period means that the bank customer who receives loan approval will not receive the money immediately, but after some time. So, for example, if the loan amount is from 50 to 200 thousand rubles, you will have to wait four hours, if more than 200 thousand rubles – you will have to wait 48 hours.
The expert explained that currently the bank will conduct an investigation to eliminate signs that the client applied for a loan due to fraudsters acting on his instructions.
“Also, the borrower can think carefully about whether he can repay this loan without delay during the waiting period, even if no one forces him to take a loan, and if such doubts arise, he can refuse the loan,” Loboda added.
The economist concluded that, in fact, the Central Bank wanted to introduce a new measure in the interests of Russians, trying to ensure the security of transactions.
Let us remind you that on the eve of the Central Bank offered to introduce Mandatory cooling-off period for consumer loans above 50 thousand rubles. It was noted that the new rules will not include mortgages, vehicle loans and state-supported education loans. In case of a car loan, the money must be deposited directly into the vehicle dealer’s account.
Previously it became clearHe said that the volume of consumer loans in Russia has fallen to a record level.
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Source: Gazeta
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