In the State Duma a bill, which aims to make it more understandable to ordinary people the legal category of the total loan amount, the total cost of credit and the effective annual interest rate. Now this clarity is not enough, especially when compared to consumers of banking products. Some statistics. On 1 January 2011 the volume of loans granted to Russians, was 4.1 trillion rubles. For comparison: this is about 8% of GDP, or half of the Russian budget for 2011. The economic importance of this level of lending is hard to overestimate: 32% of this volume have a mortgage (1.3 trillion rubles.) - 15% on auto (600 billion rubles.), 40% - on non-consumer loans. Every third citizen ever taken out a bank loan. And now all the legal uncertainty which, in contrast to statistics, there will be many. The Association of Regional Banks of Russia (Arbre) preoccupied by the fact that borrowers are very poorly informed about how many actually are consumer loans. That is all they know, for example, the exact price when buying bread at the bakery, but not everyone knows how much a mortgage, when to contract. Understand the rates, interest and commission without the help of a skilled financier can not every borrower. And once the price has no clear expression, and informed choice to the consumer banking services to hard. In the explanatory memorandum to the bill "On Amending the Federal Law" On banks and banking activity "and Article 10 of the Law of the Russian Federation" On Protection of Consumers' Rights lawyers Arbre state that now the concept of "total cost of the loan (total fee for credit) are scattered on several legal acts, namely: the Civil Code, the Banking Act, regulations and guidelines of the Central Bank. Simply put, there is no single definition, and it should formulate. Also in the laws is no concept of "total loan amount. In Arbre believe that it is the lack of clarity in the law and serves as a source of conflict between banks and customers. Here are the terms offered to legalize. "The full cost of the loan - the amount, which includes all the expenses of the borrower, including interest, commissions, fees and payments to other species, which he is obliged to pay in connection with the provision of credit and which are known to the creditor, except for the notary costs. The costs associated with services that are borrowers under the contracts made in connection with a loan, including insurance premiums, are included in the total cost of the loan if the contract for the provision of these services is a prerequisite for granting a loan or provide it to the market conditions. The full amount of the loan - the amount payable by the consumer credit and contracts entered into in connection with a loan equal to the loan amount and the total cost of credit. Full cost of credit expressed in rubles and kopecks. Effective annual interest rate is recognized total cost of credit to the borrower, taking into account terms of payment of the loan amount and repayment period of loan and borrower of other payments, referred to the loan amount and expressed as annual percentage rates. The experts of the banking sector, interviewed by the newspaper Kommersant appreciated legislative initiative Arbre positively - in general, but any doubts particulars. For example, on a proposal to calculate the total amount of credit in rubles. Accordingly, the question arose of how to determine this amount in the selection and contract foreign currency lending. "The situation when the amount of monetary credit will be specified in the contract in rubles, will inevitably lead to turmoil in the credit market - said the publication department head to repay outstanding debt Raiffeisenbank Vlad Kotelnikov. - An increase in the exchange rate of credit to the ruble loses a client, the reverse situation - a bank, the result can be questionable situation that ultimately the parties must be resolved in court. " In an interview with the portal Bank.ru vice president of Tinkoff Credit Systems, Oleg Anisimov, first explained that the TCR is possible innovations could not touch, because the bank lends to customers only in rubles. Speaking of the ruble equivalent of foreign currency loans, he said: - In my opinion, some confusion in determining the value of foreign currency loans could be created. The stakes in foreign currency loans is lower, but this is offset by the fact that the customer assumes currency risk. If people took a mortgage of $ 100,000, then pay in addition to interest, he owes $ 100,000. But the exact rate of the loan in ruble terms, in fact, will be known only after the repayment of the loan - it depends on the dynamics of the dollar. If the dollar falls, the client will win. If the dollar will rise considerably, it was advantageous to take out a loan in rubles.
No comments:
Post a Comment