Банкам запретят в одностороннем порядке менять ставки по кредитам

{"ID":"405107","~ID":"405107","TAGS":"Банки, минфин, кредит, кредитование, ставка, страхование, закон, о потребительском кредите","~TAGS":"Банки, минфин, кредит, кредитование, ставка, страхование, закон, о потребительском кредите","NAME":"Банкам запретят в одностороннем порядке менять ставки по кредитам","~NAME":"Банкам запретят в одностороннем порядке менять ставки по кредитам","IBLOCK_ID":"54","~IBLOCK_ID":"54","IBLOCK_SECTION_ID":"4067","~IBLOCK_SECTION_ID":"4067","DETAIL_TEXT":" \r\n\u003Cdiv align=\u0022justify\u0022\u003E\u003Cspan class=\u0022kobl-text-content\u0022\u003EМинфин РФ представил окончательный проект закона \u0026laquo;О потребительском кредите\u0026raquo;, призванный сделать сделать взаимоотношения банков и заемщиков более \u0026laquo;прозрачными\u0026raquo; и тем самым гарантировать защиту прав потребителей. Соответствующий законопроект размещен на сайте \u0026laquo;\u003Ca href=\u0022http:\/\/www.rg.ru\/2010\/11\/16\/kredit.html\u0022 \u003EРоссийской газеты\u003C\/a\u003E\u0026raquo;.\u003C\/span\u003E \r\n  \u003Cbr \/\u003E\r\n \u003Cspan class=\u0022kobl-text-content\u0022\u003EБанкиров обяжут подавать информацию о кредите так, чтобы она была доступна \u0026laquo;лицам, не обладающим специальными знаниями в данной области\u0026raquo;. А это значит - раскрывать конечную, полную стоимость займов. При этом банкиры обязаны будут уведомлять о процентах, порядке их начисления, о минимальном и максимальном сроке кредитования, о графиках платежей, условиях досрочного возврата кредита, размерах неустойки и т.д. В общей сложности, по 17 позициям. Кредитным организациям запретят включать в кредитный договор \u0026laquo;побочные\u0026raquo; услуги, например, страхование. \u003C\/span\u003E \r\n  \u003Cbr \/\u003E\r\n \u003Cspan class=\u0022kobl-text-content\u0022\u003EТакже после выдачи кредита банки обяжут \u0026laquo;вести\u0026raquo; клиентов до момента его погашения, то есть ежемесячно бесплатно оповещать заемщиков о состоянии счета и остатке задолженности по кредиту. Кроме того, вводится норма о недопустимости в одностороннем порядке изменения ставки по кредитам. Банки должны будут сохранять неизменной ставку, если она прописана в договоре как постоянная. А если в договоре такого пункта нет, то за месяц предупредить о переменах.\u003C\/span\u003E \r\n  \u003Cbr \/\u003E\r\n \u003Cspan class=\u0022kobl-text-content\u0022\u003EСогласно новому законопроекту, можно будет отказаться от кредита в течение 14 дней с момента его оформления, уплатив проценты только за этот срок. Еще одним положительным нововведением является возможность досрочно гасить весь кредит или его часть, уплатив лишь процент годовых за фактический срок пользования кредитом, т.е. без уплаты штрафов. Также кредитным организациям запретят рассылать кредитные банковские карты потенциальным клиентам, если невозможно установить факт их получения адресатом.\u003C\/span\u003E \r\n  \u003Cbr \/\u003E\r\n \u003Cspan class=\u0022kobl-text-content\u0022\u003EВ Минфине полагают, что новый порядок потребительского кредитования позволит людям делать осознанный выбор в пользу того или иного банка, \u0026laquo;автоматически\u0026raquo; поддерживать права заемщиков.\u003C\/span\u003E\u003C\/div\u003E\r\n ","~DETAIL_TEXT":" \r\n\u003Cdiv align=\u0022justify\u0022\u003E\u003Cspan class=\u0022kobl-text-content\u0022\u003EМинфин РФ представил окончательный проект закона \u0026laquo;О потребительском кредите\u0026raquo;, призванный сделать сделать взаимоотношения банков и заемщиков более \u0026laquo;прозрачными\u0026raquo; и тем самым гарантировать защиту прав потребителей. Соответствующий законопроект размещен на сайте \u0026laquo;\u003Ca href=\u0022http:\/\/www.rg.ru\/2010\/11\/16\/kredit.html\u0022 \u003EРоссийской газеты\u003C\/a\u003E\u0026raquo;.\u003C\/span\u003E \r\n  \u003Cbr \/\u003E\r\n \u003Cspan class=\u0022kobl-text-content\u0022\u003EБанкиров обяжут подавать информацию о кредите так, чтобы она была доступна \u0026laquo;лицам, не обладающим специальными знаниями в данной области\u0026raquo;. А это значит - раскрывать конечную, полную стоимость займов. При этом банкиры обязаны будут уведомлять о процентах, порядке их начисления, о минимальном и максимальном сроке кредитования, о графиках платежей, условиях досрочного возврата кредита, размерах неустойки и т.д. В общей сложности, по 17 позициям. Кредитным организациям запретят включать в кредитный договор \u0026laquo;побочные\u0026raquo; услуги, например, страхование. \u003C\/span\u003E \r\n  \u003Cbr \/\u003E\r\n \u003Cspan class=\u0022kobl-text-content\u0022\u003EТакже после выдачи кредита банки обяжут \u0026laquo;вести\u0026raquo; клиентов до момента его погашения, то есть ежемесячно бесплатно оповещать заемщиков о состоянии счета и остатке задолженности по кредиту. Кроме того, вводится норма о недопустимости в одностороннем порядке изменения ставки по кредитам. Банки должны будут сохранять неизменной ставку, если она прописана в договоре как постоянная. А если в договоре такого пункта нет, то за месяц предупредить о переменах.\u003C\/span\u003E \r\n  \u003Cbr \/\u003E\r\n \u003Cspan class=\u0022kobl-text-content\u0022\u003EСогласно новому законопроекту, можно будет отказаться от кредита в течение 14 дней с момента его оформления, уплатив проценты только за этот срок. Еще одним положительным нововведением является возможность досрочно гасить весь кредит или его часть, уплатив лишь процент годовых за фактический срок пользования кредитом, т.е. без уплаты штрафов. 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