Financial organizations regularly violate and use unfair practices when providing citizens with credit holidays introduced by the president because of the coronavirus crisis, the press service of the Central Bank told Izvestia. Citizens apply to the Bank of Russia with complaints about false information about the conditions of the grace period, the requirement of documents not provided for by the law, unreasonable refusal, exceeding the deadlines for considering applications or completely ignoring them.
Earlier, the ONF project “For the Rights of Borrowers” applied to the Central Bank with a request to check the compliance of credit institutions with the requirements of the law. Banks deny checks and violations.
Credit holidays for up to six months can be taken if the agreement is signed before April 3, 2020, and the income a month before the date of application has decreased by at least 30% compared to the average monthly income for 2019. Applications for a grace period are accepted until September 30.
At the same time, limits are set on the amount of obligations. On credit cards at the level of 100 thousand rubles, on consumer loans – 250 thousand rubles, on loans for cars – 600 thousand rubles, on mortgages – 2 million rubles for all of Russia, except for Moscow – 4.5 million rubles, the Moscow region , St. Petersburg and the Far Eastern Federal District – 3 million rubles.
Earlier, Izvestia reported massive complaints about the concealment by banks of the conditions for granting credit vacations and the delay in processing them.
More details – in the exclusive material of Izvestia:
Left without vacation: Russians massively complain about bank violations