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Microfinance institutions (MFIs) will reduce the ceiling of the debt of borrowers and will limit daily interest rate. This act was signed by President Vladimir Putin, publishes today "the Russian newspaper".
the Document contains three key changes initiated by the Bank of Russia (they affect all loans with a repayment period of up to a year). First, it is reducing the maximum amount of payments that the MFI can require the debtor. Now it is three times the size of the loan. According to the document, from 1 January 2020 it will become the maximum time and a half.
the Second change is a limit on daily interest rates. Now it exceeds two percent per annum, but from 1 July 2019 will be limited to one percent. The third change is the creation of a financial product alternatives for loans "to wage" with a maximum loan amount of 10 thousand rubles and up to 15 days. For such loans, you cannot accrue additional interest, except for the forfeit (fine, penalty) is 0.1 percent of the debt for each day of delay. Also the agreement on this loan will contain a condition prohibiting to increase the period and amount.
the Restrictions are aimed primarily at reducing the debt load of the population and reducing social tensions accompanying the MFI sector, said the Director of self-regulatory organizations "Microfinance and development" (SRO "Mir") Elena Stratieva. This will be achieved if the business is properly perceive the received signal and assumes the responsibility for fair implementation of initiatives, focusing not only on the adaptation to the new rules, but Association in struggle with "grey" schemes, says Stratieva.
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