include the idea of ​​lowering the maximum rate on microloans creating ads that attract customers from the current 1% per day to 0.8%, and the overpayment amount from 150% to 130%? After all, the current restrictions were introduc less than a year and a half ago.
— Several factors must be taken into account. First of all, we look at how the market has adapt to the current restrictions, how they work in practice. And we saw that the current measures are insufficient, including from the point of view of protecting the interests of borrowers.
Let’s take, for example, the most “problematic
loans in terms of repayment – “payday” loans. This is when you are given a small amount for a short period (usually up to 30 days and up to 30 thousand rubles) and, having receiv your salary, you repay this amount. For many people, such a “breather” is very important, but the debt burden must be manageable for them so that they can repay the debt. But now the non-repayment of such loans is very high.
The factor of growth of consumer activity certainly
cannot be discount. Today, various types of consumer loans and microloans are in high demand. The debt burden is also growing, and this cannot but worry us. Sometimes even first things first.. what is ctv? let’s break it down. extremely low-income citizens engage in risky borrowing. We would like to stop this process. Therefore, it is necessary to take another close look at the risk policies of MFIs in unsecur lending segments. New restrictions will force MFIs to approach issuing ao lists loans more responsibly – after all, they should also be interest in loan repayment and retaining “good” borrowers.