The valuation of the same collateral in different pawn shops may differ by several times, found analysts. With up to 40% of pawned things are not redeemed by borrowers and subsequently implemented. According to the law “On the Lombards” in the sale of unclaimed items, the pawnshop is obliged to return the difference between the cost of sales and obligations of borrower, but in practice this is easily bypassed. The output would be the creation of a unified platform for the implementation of collateral at public auction, and the Central Bank is ready to consider this idea.Aggregator of loans Zalogoff.com analyzed proposed prices for the items of collateral in pawnshops Moscow and Yekaterinburg. It turned out that the rating of the same things can vary several times. “This happens for several reasons: specialisation of a pawnshop, profitability and financing”,— said CEO Zalogoff.com Sergei Semerkin. According to him, the pawn shops that focus on maximum profitability from each transaction, understate the cost of the product because they expect to sell the thing after the repayment loans with a maximum margin.So, over the silver ring with malachite pawn of Moscow invited from 950 to 1.5 thousand rubles, for silver set of jewelry — from 6.7 to 11.2 thousand thousand RUB over Samsung in the Metropolitan pawnshops estimated from 700 to 1350 RUB. the biggest difference is — 567%, was detected in the e-book PocketBook Pro (from 150 to 1 thousand rubles). Similar situation with the iPad 2017.Unified methods for comparing the estimates is not, and, judging by the position of the regulator, to enter not planned. “Assessment of the thing transferred as collateral to the pawnshop, shall be made by agreement of the parties in accordance with the market prices in effect at the time and place of acceptance of things as collateral,— explained in the Central Bank.— It is necessary to maintain a reasonable balance between production decisions aimed at protecting the interests of consumers, and the importance of preservation of market principles in the conclusion of transactions”. In this case the Bank of Russia stress that, “if the amount received by the pawnshop as a result of its sale, was more of the obligations of the borrower to the pawnbroker or the things, the pawnshop, the borrower gets the difference”.The Central Bank argue that the control the rights of customers of pawnshops in the sale of collateral under the Supervisory activities are conducted on a regular basis. But Kommersant’s sources in the market say that the pawn is easy to bypass the norm. Each pawnshop has a UI that buys unclaimed deposits at a lower price, and then sells them, said one of the interlocutors “Kommersant”, the rules are only on paper.According to experts, the solution could be the creation of a unified platform for the implementation of collateral at public auction, in the Central Bank or an independent. Then the borrower would know the real value of the collateral, and the regulator to effectively monitor the compliance. According to partner legal��who Bureau “Padva and Epstein” Anton Babenko, a centralized system of sale of collateral would reduce the number of abuses by mortgagees. The regulation of this market on the state level will make it more transparent, agrees to partner with the “Legal group” Vladimir Shalaev.”Trying to deal with ways to bypass the legal norms by creating a unified platform for the implementation of collateral if the controller could be a real solution to the pledgors, but disadvantageous to the basic participants of the market”,— said the managing partner of the law Bureau “of Bichenov and partners” Alim of Bichenov. According to Alexei Lazutin, pawn shops are unlikely to support the idea, and in the case of the introduction of the regulations will seek ways around them.The head of the onf project “For the rights of borrowers” Lazarev Eugene added that any registry requires maintenance, and the collateral put up for auction, assessment, and these costs market participants “one way or another passed on to customers.”Ksenia Dementieva
