Take out a loan correctly and what switzerland telegram data to do if there are problems with its return, where to complain about fraud in the bank and how to protect themselves from fraudsters. The answers were given in an interview with aif.ru by the head of the Service for the Protection of Consumer Rights and Ensuring the Availability of Financial Services of the Bank of Russia Mikhail Mamuta.
Recently, many people have had difficulties
with repaying loans. What advice would you give to people?
— The borrower can ask the bank to improve the terms, i.e. restructure the debt. In addition, since this year, in case of difficult life situations, an effective solution has appear — crit holidays, i.e. the opportunity to temporarily stop making payments on the loan.
The holiday mechanism was first introduc
And only for mortgage loans. Practice has shown that holidays allow a person to avoid default and bankruptcy, and the bank ultimately retains a solvent client. Therefore, this mechanism was expand to other types of lending.
Now you can take a holiday for up digital transformation: how the pandemic is accelerating this process to 6 months on any loans and crits, including those issu by a microfinance america email organization (MFO) or pawnshop. If you have several loans or crits, you can get a holiday once for each of them.