illegal (the corresponding federal law comes into force). A person best virtual store development must choose for himself. It cannot be imposed on him. Except for cases when it is mandatory insurance by law (for example, property protection during a mortgage). The second norm, which comes into force at the same time, is a continuous cooling-off period.
– What does it mean?
Currently, the cooling-off period in the financial
market, i.e. the possibility to return an unnecessary product or service, applies only to voluntary insurance. The law sets a period of 14 days during which you can return the policy if you do not need it. But banks have begun to sell more and more non-financial products. They can now also be returned. And not only to the “owner” of this product or service, but also to the bank that sold them, if the “owner” has disappeared or does not respond. Then the bank is obliged to give the person the money.
And the bank will no longer be able to refuse
sending you to the insurance company?
— The logic here is simple. Since the bank does not sel the nine-year-old cyberspace freezel everything, but services and products of those with whom it has concluded special agreements, it is its responsibility to select suppliers and partners.
THE BANK MUST SAY THE FULL COST OF THE LOAN – WITH OR WITHOUT INSURANCE
— Especially since often the same insurance is sewn into the america email body of the loan and it is impossible to refuse it. Or it is possible, but then the rate increases to very high values.