MFIs have found a way to increase the total value of loans for borrowers, despite the limitations of the Central Bank. The scheme is simple and almost undeniable — the borrower offer a loan for the purchase of goods loan in cash, the interest on which may be many times more. And although the essence of the product that receive real cash not only the goods, the contract you mention this is not.About the scheme bypass microfinancial restrictions on the total cost of credit (PSK) for pos loans (for purchase of goods trade networks) told “Kommersant” customers who apply for loans to buy phones in the company “Asiacredit” (in the registry of the Central Bank, the IFC ISC). “B” acquainted with the documents that the company submits to the borrowers on the product in which you can buy mobile phone and electronics shops. Among the partners of IFC salons MegaFon, Beeline, Tele2, “diksis”, etc. In fact, the product is a pos loan, because to him the money in cash, not only the product, designed it as a loan in cash, which the client automatically transfers the point of sale for the goods. In this lies the main trick. From 1 July 2014 PSK may not exceed the size limit set by the Central Bank. On pos-loans — 41,3% per annum, and on loans cash 365%.The Director of “Asiacredit” Muzaffar Atamirzaev said “Kommersant” that the new product not positioned as pos-loan. From other comments he refused. The rates on such loans to 0.5% per day, or 180,5% per annum, the sum to 15 thousand roubles for a period of 3 months. While in the check you receive from the customer the goods means that the source of payment subsequent payment (credit), that is, the loan is directly connected with the purchase. “Academy of civil aviation” focused on work with labor migrants from Uzbekistan, Tajikistan and Kyrgyzstan. According to interlocutors “” from among participants of the market, is not the only player who uses such a scheme. There are other MFIs who have taken it on Board.The Central Bank, “Kommersant” reported that in the framework of behavioural surveillance, the regulator pays special attention to issues related to the marketing of financial institutions products, in accordance with the laws restrictions proper to inform consumers about the conditions of these products and services to prevent misselling and the introduction of citizens in error. “Identification of unfair practices we work together with market participants over their elimination, if necessary, the measures stipulated by the law,— noted there.— At the same time, we pay attention of consumers that before signing the contract should read in detail”.To challenge such an agreement is extremely problematic. Overall, the actions of the MFI in this case is difficult to call it illegal, rather, they just need to “pack” your product, and superior��e weapons a client’s care, says partner of the law firm “Rustam Kurmaev and partners” Dmitry Gorbunov. “Such actions can be considered as a violation of the law “On protection of consumer rights”, as, in fact, is the introduction of the buyer to deceive,— says managing partner of “BMS Group” Alexey Matyukhov.— It is not a direct violation of the law, but it is definitely abuse”. “The document rate of 0.5% on the day prescribed, the client could see it and independently make informed choices, to sign up to such terms or not,— said Dmitry Gorbunov.— If the client has signed all the necessary paperwork to dispute this contract will be almost impossible, since the conditions in it are explained very clearly”.The company relies on the less-financially literate clients. “The emergence of such a product can be explained as quarantine measures, and the growing appetite of the MFI, which has lost part of its earnings because of the situation in the economy,— says Dmitry Gorbunov.— Migrants in this respect, an attractive niche for work — here the emphasis is on inattention”. According to managing partner “BMS Group” Alexei Matiukhova, you can also talk about the use of vulnerable condition of migrants, which is almost unavailable Bank loans, and the situation is aggravated by the fact that now they can not leave Russia.Ksenia Dementieva
