were discussing the bill on the total cost of crit (TCC). Our task netherlands telegram data in preparing the draft was to ensure that critors, when calculating the TCC, take into account all of the borrower’s expenses on the debt — insurance, payments, etc. — and that these expenses were limit to the maximum TCC value.

When discussing the law, which was adopt this summer and comes into force on January 21, 2024, market participants express concerns that there could be a flow of people from banks to MFIs, where a higher APR is allow. As a result, a separate category of high-risk borrowers was identifi who can receive a bank loan, albeit at higher rates than the average. But it will still be more profitable for them than a loan from an MFI.

For now, it is assum that these

will be small loans of up to 100 thousand rubles. There will be no restrictions on the total cost of the loan (the rate is no more than a third higher than the average). By the way, against the backdrop of optimize your sms marketing campaigns for peak times the increase in the key, the Bank of Russia plans to extend the moratorium on limiting the APR for all loans until April 1, 2024.

 Which borrowers may fall into this category?

— So far, the debt burden ratio (DBR, the share of income that the borrower spends on debt servicing. — Izvestia) above 60% is being discuss as a criterion for a risky client. But the issue is still  ao lists being discuss, the approval process is underway, and we are receiving market offers.