Елена Самтынова
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В Госдуму поступил законопроект о внесении поправок в Федеральный закон от 21 декабря 2013 года № 353-ФЗ «О потребительском кредите (займе)» (далее – Закон № 353-ФЗ), в котором планируется1 прописать, что в уведомлении об отказе в удовлетворении требования заемщика о предоставлении льготного периода для приостановления исполнения обязательств по кредиту (займу) либо уменьшения размера платежей, кредитор обязан указать причины такого отказа. Изменения планируется внести в ч. 12 ст. 6.1-1 Закона № 353-ФЗ.
Как отмечается в пояснительной записке к законопроекту, он разработан в целях недопущения недобросовестной практики кредитных (некредитных) организаций, выраженной в необоснованных отказах предоставления гражданам и субъектам МСП кредитных (ипотечных) каникул. Напомним, Федеральным законом от 3 апреля 2020 г. № 106-ФЗ предусмотрена возможность для граждан и предпринимателей отсрочки платежей по кредитам и займам на срок до полугода в случае, если они пострадали от снижения доходов в связи с пандемией COVID-19 (кредитные каникулы). Между тем, отмечается в пояснительной записке, от заемщиков продолжают поступать жалобы на необоснованные отказы банков в предоставлении им кредитных и (или) ипотечных каникул, при этом банки взамен предлагают собственные программы реструктуризации кредитной задолженности, которые не всегда являются экономически выгодными для заемщиков.
Все важные документы и новости о коронавирусе COVID-19 – в ежедневной рассылке Подписаться
Поскольку информационное письмо Банка России № ИН-06-59/93 от 28 мая 2020 г. в части направления заемщикам информации о причинах такого отказа носит рекомендательный, а значит, необязательный характер, указанную норму предлагается прописать на законодательном уровне.
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1 С текстом законопроекта № 1049782-7 «О внесении изменений в Федеральный закон «О потребительском кредите (займе)» и материалами к нему можно ознакомиться на официальном сайте Госдумы.
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Я прочитал эту статью с большим удовольствием! Она написана ясно и доступно, несмотря на сложность темы. Большое спасибо автору за то, что делает сложные понятия понятными для всех.
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Это позволяет читателям самостоятельно сформировать свое мнение.
Автор представляет информацию в легком и доступном формате, что делает ее приятной для чтения.
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Информационная статья предлагает взвешенный подход к обсуждаемой теме, аргументируя свои выводы доказательствами и статистикой.
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Автор статьи предоставляет подробное описание событий и дополняет его различными источниками.
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Статья представляет обширный обзор темы и учитывает ее исторический контекст.
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Я не могу не отметить качество исследования, представленного в этой статье. Она обогатила мои знания и вдохновила меня на дальнейшее изучение темы. Благодарю автора за его ценный вклад!
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Я не могу не отметить качество исследования, представленного в этой статье. Автор использовал надежные источники и предоставил нам актуальную информацию. Большое спасибо за такой надежный и информативный материал!
Автор старается представить материал нейтрально, что помогает читателям обрести полное понимание обсуждаемой темы.
Это помогает читателям получить полную картину и сформировать собственное мнение на основе предоставленных фактов.
Мне понравилась глубина исследования, представленная в статье.
Автор статьи представляет информацию, основанную на разных источниках и экспертных мнениях.
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Автор представляет аргументы разных сторон и помогает читателю получить объективное представление о проблеме.
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Я не могу не отметить качество исследования, представленного в этой статье. Она обогатила мои знания и вдохновила меня на дальнейшее изучение темы. Благодарю автора за его ценный вклад!
Надеюс
Я просто не могу пройти мимо этой статьи без оставления положительного комментария. Она является настоящим примером качественной журналистики и глубокого исследования. Очень впечатляюще!
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Я прочитал эту статью с большим удовольствием! Автор умело смешал факты и личные наблюдения, что придало ей уникальный характер. Я узнал много интересного и наслаждался каждым абзацем. Браво!
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Я нашел в статье некоторые практические советы, которые можно применить в повседневной жизни.
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Мне понравилось разнообразие и глубина исследований, представленных в статье.
My coder is trying to convince me to move to .net from PHP. I have always disliked the idea because of the expenses. But he’s tryiong none the less. I’ve been using WordPress on numerous websites for about a year and am anxious about switching to another platform. I have heard great things about blogengine.net. Is there a way I can import all my wordpress posts into it? Any help would be greatly appreciated!
Мне понравилась четкая и логическая структура статьи, которая облегчает чтение.
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Автор старается оставаться нейтральным, что помогает читателям получить полную картину и рассмотреть разные аспекты темы.
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