Moscow. September 11. INTERFAX.RU – IN the state Duma proposed regulatory limit loans to the Russians. As write “news” with reference to the Chairman of the Duma Committee on financial market Anatoly Aksakov, the planned amendments to the legislation will prohibit banks and microfinance institutions to issue a credit if payments exceed half of the total family income.
The choice of 50% is due to international practice, said Aksakov. The publication cites examples of such norms in Lithuania, Canada and Israel, where debt ratios are at 40%, 42% and 50% respectively.
Newspaper interviewed experts noted that the initiative carries a number of risks. So, much will depend on the income a particular person, his financial literacy and skills for personal financial planning. The ban on lending may lead to the development of the market of “black lenders.” Also, the law will need a mechanism for liability and lender, and borrower, write “Izvestia”.
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