Date: 8 months ago   Category: Economy

To Russians can forbid to spend more than a half of income for repayment of the credits


The State Duma Financial Market Committee prepares the bill according to which will forbid to take Russians the credits on which repayment more than 50% of the total revenues of family will leave.

As is transferred by the Izvestia newspaper, preparation of amendments to the laws "About Banks and Bank Activity" and "About the Microfinancial Organizations" is planned to finish in the fall. the Creditor, according to amendments, will be obliged to pay to

a penalty if he has issued to the person the credit with the high level of a debt load. Financial punishment will also be incurred by the borrower who submits false data on income. "When the family gives

to 50% of comprehensive income for payment of percent on the credits and loans, she is in financial psychological balance, the debt doesn't seem big and very heavy", - the CEO of IFC of "Manya Fanny" Alexander Shustov has noted.

Some countries have already introduced similar restrictions. For example, in Lithuania the debt load makes no more than 40% of family income, in Canada - 42%, in Israel - 50%.

the average level of a debt load in Russia makes Now 40% of income.

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