Chairman of the Central Bank (Central Bank) of Russia Elvira Nabiullina proposed to limit the amount of overpayment of loans. She expressed his idea during a speech in the Federation Council, reports TASS. Nabiullina called on senators to tighten the legislation in this area.
“so that people see the fair value of the loan with all the” winding options “, from the middle of next year the requirement to limit the full cost of the loan (PSC) on the mortgage will come into effect. We consider it important to spread such a mechanism for all loans,” the head said CB. She reproached banks in the fact that they learned to bypass the restrictions of the PSK and continue to issue loans to citizens with a large debt burden.
In early August, the State Duma appeared on the fact that the actual PSK differs from the contract. “You consider this cost from a rate of 22 percent with cashless payment by this card. And if a person takes off cash, then there is already a unpleasant surprise. In the form of, for example, 49 percent. Does the full cost of the loan change? Obviously, yes” , – Deputies noted.
In mid-September, Nabiullina reported on the plans of the Central Bank to prohibit some types of loans due to the growth of the debt burden of Russians. At the end of September, the volume of overdue loans of individuals reached 1,006 trillion rubles. The problematic debts of Russians rose over a month by 10 billion rubles (plus one percent), and from the beginning of the year – by 73 billion (plus 7.9 percent).