Y car buyers in the secondary market will soon be an additional opportunity to avoid the fraudulent schemes. Citizens will be able to find out whether buying a car laid on a bank loan. Without waiting for a law on registration of pledges, National Bureau of Credit Histories (NBCH) plans before the end of May 2011 to begin providing such information to citizens in private initiative. Currently, up to 5% of all cars purchased on credit and then sold with the use of "gray" schemes. Wrote on Thursday, May 12, edition of Kommersant. From late May citizens can get information about is not whether to buy a car in the secondary market laid down in the bank loan, contacting NBCH or to his agent, told the newspaper in NBCH. According to CEO Alexander NBCH Vikulina subsequently planned to provide information through the site office, typing vin-code car. According Vikulina, the number of cars, which NBCH has information to the end of May will reach 200 thousand is about one-third of all cars sold on credit, according to market participants. "For 2010, the loan was sold about 637 thousand cars worth more than $ 10 billion" - indicates the CEO Avtostat Sergei Udalov. As told Kommersant, director of the department of retail sales PSB Yegor Shkerin using "gray" schemes are resold to 5% of all cars purchased on credit. In the absence of registration of pledges on movable property, including cars, the only document that certifies the right bank for credit car, a vehicle registration document (TCP), which is stored in the bank. Thus the car is owned by the borrower and is registered in his name, so the scammers, passing title from the bank, declare it lost in the traffic police and obtain a duplicate, sell the car, and then disappear from the bank, not paying the loan. The aggrieved party is and the buyer of the car from under the mortgage. "In case of purchase of the pledged car less protected party is the name of the buyer, - indicates the partner at the law firm Lidings Andrey Zelenin .- In fact, after the mortgage payments on the car are not available, the bank pays foreclose on the mortgaged property and the buyer must give the car to the bank. Of course, the buyer has the right to sue for fraud, but usually find it is already impossible. " To combat such schemes the Ministry of Finance was a draft law "On Registration of notices of mortgage or otherwise encumber movable property." In February 2010 the draft was published on the website of the Ministry. The document sets out the requirements for the content of the notification and regulates the registration procedure. The bottom line is that the mortgagee, the state body or a court will have a new responsibility - to notify the authorized credit bureau that certain personal property transferred to bail or otherwise encumbered (him foreclosed or seized). Provide statements about the condition of the property at the request of interested parties will be the credit bureau. Find out which of these offices are located on a particular machine, it will be in the central catalog of credit histories. Also, the project introduces a requirement for which the bureau, the registration notice and the register must have registered capital of not less than 10 million rubles. and have contracts for the provision of information services to a minimum of 50 credit institutions. According to the director general of the credit bureau Ekvifaks Credit Services, Oleg Lagutkina to meet such requirements will be only three to five CRB, which holds about 98% of all stories. Prior to the adoption of the law to obtain information on the mortgaged property may be only the borrower or the lender, according to the law on credit histories. Give citizens the opportunity in addition to NBCH planning and other market participants. According Lagutkina, "Ekvifaks Credit Services has already collects information about mortgage and motor vehicles by the end of summer 2011 plans to open access to it via the Internet. "But much will depend on whether and in what form and when it passed a bill, developed by the Ministry of Finance" - he adds. Agrees with the need of individuals to access information about pledges and CEO of BCI Experian-Interfax Daniel Zelinsky. "We also prepare a project to combat fraud when buying a car on credit - indicates Zelinsky .- It is not clear whether he will run before the entry into force of the new law." However, service NBCH, as well as similar services in other offices are unlikely to completely solve the problem of fraudulent resale of cars, experts say. According Shkerin constantly invent new ways of selling mortgage vehicles. "However, provided that NBCH be able to collect a large amount of information to deal with the existing schemes will be easier," - he said. Agrees with this assessment and the director of management and risk methodology OTP Bank Sergei Kapustin, specifying that "completely solve the problem will only be possible after the entry into force of the law." "Banks take into account the possibility of fraud and lays the risks in the cost of auto loans, - says head of product development, car loans UniCreditBank Andrew Kochenkov .- If the CRB will be able to make the data publicly available about the inherent cars, this will reduce the risks that will surely affect the cost of loans."
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