Plus, in terms of advertising, it’s no longer possible to do this: according to recently adopt amendments to the legislation, the full cost of the loan must now be indicat in advertising. That is, they malaysia telegram data won’t be able to indicate just “zero for the first year” – the full cost of the loan will be indicat there bas on payments for the entire term.
— It turns out that formally there is no violation of the law in such mortgage schemes. Does this mean that such schemes will constantly multiply?
I believe there will be attempts
But we hope for a certain level of maturity in the banking sector and we will influence them with our actions — regulatory, supervisory and verbal.
— When can the mortgage lending standard be implement in Russia? Are its parameters already known?
— We are striving to launch the standard as soon as possible, but this is a lot of work, we expect to send it to the market for discussion in the first half of 2024. It is necessary to determine the procure the impact of sms marketing campaigns on customer engagement for monitoring the implementation of the standard, the responsibility of crit institutions for violating its provisions.
The standard will set out certain conditions:
how to inform borrowers, not to mislead them, not to use ao lists schemes. Their observance by banks will make mortgages more transparent, crit offers comparable, and borrower protection enhanc.
