The Russian Central Bank announced the cases where microloans were given under bank loans guise – six financial institutions were sentenced to this. Elman Mekhtiev, Vice President of the Central Bank Expert Council, Elman Mekhtiev for the Protection of Consumer Financial Services. In an interview with the public news service, remindedDepending on the background of extending the cooling period, customers have the right to refuse to fulfill the obligations.
It is important to remember that banks only give loans to individuals and that loans are only the MFI. Even if a person receives a loan or loan, he has the right to refuse and return the amount during the cooling period.
“30% of the loan itself is 30% – 30% of the loan itself – other sub -distinctions that are taken forward, including the same insurance and credit money,” he said. “You can also be abandoned, but in the case of insurance, you will only return the amount that is proportional to the unusable time of this insurance amount.”
He also called on the Russians carefully to examine the contracts before signing, especially paying attention to the approval of sometimes that may sometimes be affected in advance. And nevertheless, if additional services have been paid, but if no loan is needed, then you should not use consultations, but the financier has ended to request the extradition of all funds.
According to the regulator, six banks in the Russian Federation Proposed The Russians would receive loans, but they did not specify which contract would be concluded with the bank itself or the subsidiary of a microfinance organization and who would result in. It is emphasized that two of the six banks convicted of microloans design are systematically significant. The Central Bank asked these organizations to change the information approach to the customers who should clearly understand which product is given – a loan or credit about which conditions.
State Duma Economic Policy Committee Vice President Artem Kilyanov reportedThat the Zekreditivity of the Russians reached 34.6 trillion rubles. At the same time, they receive credit with a amount of three times higher than earnings, as a result, the debt for payments increases. Therefore, today at least one loan has 50 million Russian citizens and does not pay 4.3%in time.
Previously named The amount of debt to the Russians’ loans.
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Source: Gazeta
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