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18/12/2024
Wednesday
THIS DAY IN HISTORY:
18 December 
1970 France, on behalf of 25 EU countries, called for the decriminalization of same-sex relations.
1970 France, on behalf of 25 EU countries, called for the decriminalization of same-sex relations.
1970 The slavery was abolished in the United States.
1970 the slavery in the United States was abolished.
1970 The anthem of the Russian Empire “God Save the Tsar!” was performed for the first time.
18 December
1970 France, on behalf of 25 EU countries, called for the decriminalization of same-sex relations.
1970 France, on behalf of 25 EU countries, called for the decriminalization of same-sex relations.
1970 The slavery was abolished in the United States.
1970 the slavery in the United States was abolished.
1970 The anthem of the Russian Empire “God Save the Tsar!” was performed for the first time.
Costs of loans and mortgages may rise for unvaccinated citizens
It became known that credit organizations may change their policy of issuing loans in the nearest future - clients without vaccination certificates may expect an unpleasant surprise in the form of increased rates.
A possible legal development was reported by Izvestia. This may affect mortgage and consumer loans. According to the media outlet, the increase in rates for the unvaccinated is associated with insurance risks. In fact, banks have a right to raise the rates - if a client refuses to purchase life and health insurance, then the financial institution will be able to raise interest rates to reduce its risks.
At the same time, experts note that the tragic consequences of covid often affect people with chronic diseases and the elderly. At the same time, chronic diseases are already entered into the insurance card, and elderly people take loans quite rarely. Despite this, the interlocutors of media outlet from insurance agencies stressed out that they consider the introduction of a vaccination certificate as a mandatory requirement. If borrowers refuse insurance, then they will have to pay loans at higher rates.
A possible legal development was reported by Izvestia. This may affect mortgage and consumer loans. According to the media outlet, the increase in rates for the unvaccinated is associated with insurance risks. In fact, banks have a right to raise the rates - if a client refuses to purchase life and health insurance, then the financial institution will be able to raise interest rates to reduce its risks.
Loans bundled with insurance may start to be offered at lower rates than without insurance.
However, this idea is still being discussed, as banks and insurers do not have an unambiguous position. The mortality rate from coronavirus is 2-3%, but even this figure is significant for insurance companies in a pandemic. Therefore, it is possible to introduce an additional rule for those wishing to take out a loan - a vaccination certificate.At the same time, experts note that the tragic consequences of covid often affect people with chronic diseases and the elderly. At the same time, chronic diseases are already entered into the insurance card, and elderly people take loans quite rarely. Despite this, the interlocutors of media outlet from insurance agencies stressed out that they consider the introduction of a vaccination certificate as a mandatory requirement. If borrowers refuse insurance, then they will have to pay loans at higher rates.
30.12.2021
