operation antiloch || | 152

немногим меньше месяца – с 1 сентября 2020 года – действует постановление нбу о полном раскрытии информации о потребительских кредитах и депозитах в рекламе. оно адресовано в первую очередь двум тысячам небанковских учреждений, включая ломбарды, кредитование в интернете и т.п., которые стали «питомцами» нацбанка, согласно закону о «сплите», принятому ровно год назад – 12 сентября 2019 года. однако, гарантировать защиту населения от лоховства не может ни один «волшебный» закон или подзаконный акт... .

according to decree nbu of may 14, 2020 no. 62, which is effective from september 1, 2020 years, banks and non-bank financial institutions are required on their websites to disclose all reliable information about services, their full cost to the consumer, as well as the conditions for obtaining and risks.

this means that on loans it is necessary to write (and in the same font size and color as the advertising message):

full annual interest rate;

general consumer expenses (including not only interest, but also commissions, payments for related services and a list of these services);

the frequency of payment of the loan body, interest and commissions;

fines and penalties in case of late payments.


for deposits it is necessary to indicate:

annual interest rate;

term of the deposit;

conditions for early withdrawal;

information about payments for additional bank services, etc.


in addition, calculators for calculating the costs of using consumer loans should work on the websites of banks. in sms-informing about the movement of funds on the card, you must separately report the amount of your own money in the client's current account and the amount of the credit limit, and not add these amounts.

it looks like the era of total sucker-rodding, all these "loans without a passport and income statement", "loans at 0% in 10 minutes", etc., is coming to an end. of course, the main problem of our citizens is that they do not read the terms of contracts. neither large print nor small


there are a number of innovations in the design of payment cards. penalties for delays and other "sins" must be indicated both in the questionnaires that the client fills out when opening a bank account, and in contracts. in other words, secretly issuing a second credit card with the expectation of confusing the client will no longer work.

it became mandatory to inform about the expiration of the card. some banks were cunning and did not close card accounts, even for expired cards, until customers themselves came to the bank and signed the corresponding papers. in the meantime, they were calculating the service charge. there are legends that someone was summoned to court and forced to pay service for 5 years, and someone even for 10. i don't know if this is true or horror stories, but such stories are told.

in general, many of the requirements listed in the nbu decree have already become the norm. depends, of course, on the bank. there are also cunning and vile banks. but in general, the consumer service system is well established. sms come with a credit limit. free use of small loans during the grace period has become the norm.

the problematic area in this area is not banks, but the so-called non-bank financial institutions, which have become pets of the nbu quite recently - from july 1, 2020. this became possible after the adoption of the long-suffering law on "split" - the division of powers between the national bank and the national commission for securities and stock market. long-suffering because insurance companies, pawnshops, credit unions and all kinds of "on-line loans" rested their horns, not wanting to go under the supervision of the national bank. they were pushed there through the imf demand, with great difficulty and for a very long time.

and the law itself on “split”, which is called “on amending some legislative acts of ukraine regarding the improvement of the functions of state regulation of financial services”, was adopted only thanks to the turbo mode, in the first days of the “green” mono-majority on september 12, 2019. so he had an anniversary the other day. one year old ...

however, the classic 9 months took a transition period. after which the nbu became the regulator of the market for non-banking financial services in the amount of 1900 various institutions. for comparison, there are 75 banks operating in ukraine today. as they say, feel the difference.

it is clear that it is not easy for the national bank to look after all financial offices and carefully check their reports. therefore, he simplified his task by equalizing the requirements for banks and the non-banking market from september 1. the latter clearly tensed.

it seems that the era of total suckery, all these "loans without a passport and income statement", "loans at 0% in 10 minutes", etc., is coming to an end. of course, the main problem of our citizens is that they do not read the terms of contracts. neither large print nor small.

but in the structure of the national bank there has appeared a specialized subdivision - the department of protection of the rights of consumers of financial services, which will read. and, finding a discrepancy, can punish the liar. this gives hope that the magic transformation of loans "at 0%" into loans "at 1700% per annum" will cease to be a ubiquitous phenomenon in the non-banking financial environment.

 

the national bank plans to curb the greed of pawnshops and all kinds of internet creditors, to limit their ability to take high penalties. and also to abolish the requirement of the law, according to which pawnshops have the right not only to sell the pledge at a reduced cost, but also to collect other property from the debtor to repay the loan


“the peculiarity of microcredits is that the rate of 0% or 0.01% can be valid during the grace period. for example 5 days. after that, the regular rates apply. and here 100%, 700% and even 1700% per annum can be hidden. by the way, financial companies indicate the annual interest rate with the inconspicuous designation apr (annual percentage rate, annual rate), which customers may not even pay attention to, "the national bank notes in one of its explanations.

the second popular "crook" is the loan rate of 1-2%. but this is a one day rate. as the nbu continues to explain, the conditional 1-2% really looks attractive. despite a small payment, conditionally 10-20 uah per day, the client may not worry about delay and untimely fulfillment of their obligations. however, after that, fines, commissions and penalties are applied.

on fines a separate topic: “it is the fines for delay that can increase the client's debt several times. some microfinance companies automatically increase the loan rate in case of delay. in addition, a fine is added, for example, 2% of the delayed payment on the first day of delay, plus 2% every next day, and a penalty of 1.5% of the loan amount for each day of delay. "

fines are especially actively used by pawnshops, applying them to those who could not pay on time at clearly inflated interest rates: on average, the general annual rate of pawnshops exceeds 210-250% per annum. despite this, the popularity of pawnshops in a relatively prosperous 2019, when there were no problems associated with the coronavirus epidemic, remains high. over the past year, according to the nbu, 11.77 million only official loan agreements were concluded in pawnshops, under which borrowers received uah 18 billion. and how many unofficial ?!

in the plans of the national bank to curb the greed of pawnshops and all kinds of internet lenders, to limit their ability to take high penalties. and also to abolish the requirement of the law, according to which pawnshops have the right not only to sell the pledge at a reduced cost, but also to collect other property from the debtor to repay the loan.

the nbu has the right to initiate legislation. you can dare. but ... the turbo mode in parliament has already ended. now there is "lobby mode". for almost a year, under various pretexts, the bill has not been adopted, which is proposed to establish a maximum level of fines and penalties for all types of loans.

the initiative to change the norms of the civil code has been lost and is not yet being considered. today, even an application form where the client is asked to tick the box that he is familiar with the terms and conditions of service is equated to a loan agreement. and much more.

it is quite obvious that while both usurers and lobbyists are winning in the fight against moneylenders' lobbyists, the national bank cannot protect consumers of financial services from the tendency to cheating even with the strictest instructions and regulations. rescue of the drowning, as you know, is the work of their own hands.

 

 

 

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