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Банк России предлагает ограничить ставки по займам.

ЦБ ведет активные обсуждения по ограничению процентных ставок на микрозаймы. Такие меры дадут возможность отсеить нечестных и неэффективных игроков рынка.
Регулятор внес предложение установить лимитированные процентные ставки по займам до 1,5 % в день. В дальнейшем с середины 2019 года планируется снизить данный процент до 1 и одновременно лимитировать максимальное значение итоговой стоимости займа.

В настоящее время долг заемщика, согласно условиям кредитного договора, сроком до одного года, не должен превышать 2,5 кратной величины изначально выданного кредита (займа). По новым поправкам с середины 2019 года данный показатель планируется снизить до 2. В 2020 году установить до 1,5 величины основного займа.

Регулятор подчеркнул, что данные поправки затронут не весь рынок микрокредитования. Изменения ориентированы на ограничение роста организаций, которые своей деятельностью не отвечают интересам заемщиков. Имеются ввиду микрофинансовые организации, получающие выгоду за счет высоких процентных ставок по займам. Так же речь идет о тех, кто злоупотребляет рефинансированием, не имеет возможность качественной оценки финансового положения заемщика. Данные меры направлены на развитие технологичных и эффективных кредитных организаций.

Раньше РБК заявил, что такие исправления интегрированы в версию законопроекта ко второму чтению, вносящему конфигурации в законы «О потребительском кредите (займе)» и «О микрофинансовой деятельности и микрофинансовых организациях». Сам ЦБ не имеет возможности вносить изменения законодательную базу. Предлагаемые изменения оговорены с членами рынка и будут рассмотрены участниками исполнительной и законодательной власти.

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