Маргарита Горовцова
TheVisualsYouNeed / Depositphotos.com
На это акцентировал внимание регулятор в своем недавнем письме (информационное письмо Банка России от 8 июля 2021 г. № ИН-06-59/481).
Главный банк страны рассказал, что в ходе поведенческого надзора выявил недобросовестные практики, которые применяются некоторыми банками и микрофинансовыми организациями по отношению к должникам. Такие кредиторы помимо собственно неустойки начисляют иные платежи за просрочку оплаты долга на разовой или периодической основе. При этом суммарный размер ответственности должника, как правило, превышает ограничения по величине неустойки, установленные законом.
Напомним, общий размер штрафных санкций по потребительскому кредиту не может превышать:
20% годовых, если в период просрочки на сумму займа начисляются проценты; 0,1% от суммы просроченной задолженности, если такие проценты не начисляются (ч. 21 ст. 5 Федерального закона от 21 декабря 2013 г. № 353-ФЗ «О потребительском кредите (займе)»).
И в том, и в другом случае, подчеркнул Банк России, такой платеж рассчитывается только от суммы просроченного долга и процентов, а не от всей оставшейся суммы кредита или займа.
Куда можно пожаловаться на недобросовестный банк? Узнайте из Домашней правовой энциклопедии интернет-версии системы ГАРАНТ. Получите полный доступ на 3 дня бесплатно!
Банк также напомнил, что выплата неустойки при нарушении должником своих обязательств должна быть обозначена в кредитном договоре или договоре займа и зафиксирована в 12-й строке таблицы с индивидуальными условиями договора.
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1 С текстом информационного письма Банка России от 8 июля 2021 г. № ИН-06-59/48 «Об особенностях начисления кредиторами неустойки (штрафа, пени) за неисполнение или ненадлежащее исполнение заемщиком обязательств по возврату потребительского кредита (займа) и (или) уплате процентов на сумму потребительского кредита (займа)» можно ознакомиться на официальном сайте Банка России.
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