RusBankrot
We know everything about bankruptcy
22/11/2024
Friday
THIS DAY IN HISTORY:
22 November 
1970 The city of Naberezhnye Chelny was renamed Brezhnev. The first name was returned to the city in 1988.
1970 The US President John F. Kennedy was killed.
1970 Abortions were allowed in the USSR in case pregnancy threatened the mother's life.
22 November
1970 The city of Naberezhnye Chelny was renamed Brezhnev. The first name was returned to the city in 1988.
1970 The US President John F. Kennedy was killed.
1970 Abortions were allowed in the USSR in case pregnancy threatened the mother's life.
BORROWERS WILL BE WARNED ABOUT THE CRITICAL GROWTH OF DEBTS
Starting in 2024, over-indebted Russians who want to take out another loan or loan will be informed about the high risks of debt burden. The relevant law came into force on January 1.
The new law stipulates that banks and microfinance organizations (MFOs) are required to calculate the debt burden indicator (the ratio of monthly payments on all loans to the client's income) for each possible borrower. If the indicator is more than 50%, then the citizen should be warned about the risks.
However, how credit institutions will inform Russians about the high debt burden is not yet very clear. RBC has sent a corresponding request to major Russian banks. Most of them did not give an answer, there is no uniform practice of informing Russians about those "increased debt risks" yet.
At the same time, as it became known, VTB will inform a potential borrower about his high debt burden before receiving a loan. Renaissance Bank, in turn, plans to inform citizens about the risks of current debt twice.
The new law stipulates that banks and microfinance organizations (MFOs) are required to calculate the debt burden indicator (the ratio of monthly payments on all loans to the client's income) for each possible borrower. If the indicator is more than 50%, then the citizen should be warned about the risks.
However, how credit institutions will inform Russians about the high debt burden is not yet very clear. RBC has sent a corresponding request to major Russian banks. Most of them did not give an answer, there is no uniform practice of informing Russians about those "increased debt risks" yet.
At the same time, as it became known, VTB will inform a potential borrower about his high debt burden before receiving a loan. Renaissance Bank, in turn, plans to inform citizens about the risks of current debt twice.
10.01.2024
