В январе изменится ряд норм о предоставлении займов юрлицам, ИП и гражданам

Валерия Зеновина

В январе изменится ряд норм о предоставлении займов юрлицам, ИП и гражданам
Alex.S. / Depositphotos.com

При наличии основного долга перед микрофинансовой организацией в размере не более 5 млн руб. юрлицо или ИП все равно смогут получить микрозаем от этой организации (Федеральный закон от 27 декабря 2018 г. № 537-ФЗ «О внесении изменений в Федеральный закон «О развитии малого и среднего предпринимательства в Российской Федерации» и статью 12 Федерального закона «О микрофинансовой деятельности и микрофинансовых организациях»). Такое нововведение начнет действовать с 8 января этого года. Пока изменения не вступили в силу, предельный размер долга составляет 3 млн руб. (п. 8 ч. 1 ст. 12 Федерального закона от 2 июля 2010 г. № 151-ФЗ «О микрофинансовой деятельности и микрофинансовых организациях»).

А с 28 января начнет действовать закон о постепенном ограничении предельной суммы долга по потребительским кредитам. И кроме того, как разъяснил сегодня Банк России на своем официальном сайте, законодатель, принимая в расчет средний размер краткосрочного займа «до зарплаты», вводит с той же даты новый особый вид займа, в сумме до 10 тыс. руб. и на срок до 15 дней. Причем сумма процентов по нему не должна превышать 3 тыс. руб. либо 30% от суммы займа, если на тот же срок выдано менее 10 тыс. руб., а ежедневная выплата не может составлять больше 200 руб. Заем нельзя будет продлить или увеличить его сумму.

Ознакомиться с примерной формой договора микрозайма, подготовленной экспертами компании «Гарант», можно в интернет-версии системы ГАРАНТ. Получите полный доступ на 3 дня бесплатно!

С учетом этих и ряда других положений, по мнению регулятора, новый закон защищает потребителей финансовых услуг в том числе от недобросовестных практик при выдаче займов «до зарплаты». А это придает принятым нормам социальную значимость.

Источник: garant.ru

73 комментария

What i don’t realize is actually how you are no longer actually a lot more well-preferred than you may be right now. You’re very intelligent. You understand therefore significantly relating to this topic, made me in my view consider it from so many numerous angles. Its like men and women are not interested unless it is one thing to do with Lady gaga! Your individual stuffs nice. Always deal with it up!

Thanks a lot for providing individuals with remarkably spectacular opportunity to check tips from this website. It really is very ideal plus stuffed with fun for me personally and my office peers to search the blog more than thrice per week to read through the newest issues you have. And of course, I’m so at all times happy considering the astounding advice you give. Certain 2 facts in this article are particularly the very best I have ever had.

Уведомление: แทงบอลสด

Thanks for the marvelous posting! I genuinely enjoyed reading it, you are a great author.I will be sure to bookmark your blog and will often come back later on. I want to encourage that you continue your great job, have a nice day!

Superb blog! Do you have any tips for aspiring writers? I’m hoping to start my own blog soon but I’m a little lost on everything. Would you recommend starting with a free platform like WordPress or go for a paid option? There are so many options out there that I’m totally confused .. Any tips? Cheers!

Уведомление: see this page

I needed to write you this tiny remark to help say thank you as before about the precious tricks you’ve contributed on this site. It is quite seriously open-handed of you to supply freely just what many people might have sold for an e-book to get some dough for their own end, especially considering the fact that you might have done it if you wanted. The creative ideas as well worked as a great way to understand that most people have a similar interest like mine to understand significantly more when it comes to this condition. Certainly there are several more pleasant situations up front for those who go through your site.

Nice blog! Is your theme custom made or did you download it from somewhere? A design like yours with a few simple tweeks would really make my blog jump out. Please let me know where you got your design. With thanks

Simply want to say your article is as amazing. The clearness to your post is simply great and i can suppose you’re a professional on this subject. Well with your permission let me to snatch your feed to keep updated with approaching post. Thanks a million and please carry on the rewarding work.

What Exactly is Tonic Greens? Tonic Greens is a dietary supplement that has proven effective in helping many people manage the herpes virus and boost their immune systems without adverse effects.

My programmer is trying to convince me to move to .net from PHP. I have always disliked the idea because of the costs. But he’s tryiong none the less. I’ve been using Movable-type on various websites for about a year and am worried about switching to another platform. I have heard very good things about blogengine.net. Is there a way I can transfer all my wordpress posts into it? Any help would be really appreciated!

What i don’t realize is in truth how you’re not actually a lot more smartly-preferred than you might be now. You’re so intelligent. You recognize therefore considerably relating to this matter, made me in my view consider it from numerous numerous angles. Its like men and women aren’t involved except it?¦s something to accomplish with Girl gaga! Your personal stuffs nice. Always deal with it up!

I would like to thank you for the efforts you have put in writing this website. I’m hoping the same high-grade website post from you in the upcoming also. Actually your creative writing skills has inspired me to get my own web site now. Really the blogging is spreading its wings rapidly. Your write up is a great example of it.

I discovered your blog web site on google and test a number of of your early posts. Proceed to keep up the superb operate. I just extra up your RSS feed to my MSN News Reader. In search of forward to reading extra from you later on!…

Hiya, I am really glad I have found this information. Today bloggers publish just about gossips and web and this is actually irritating. A good site with exciting content, that’s what I need. Thank you for keeping this web-site, I’ll be visiting it. Do you do newsletters? Can’t find it.

Wonderful paintings! This is the kind of information that are meant to be shared across the net. Shame on the search engines for no longer positioning this publish higher! Come on over and seek advice from my web site . Thank you =)

What Is Sugar Defender? Sugar Defender is a meticulously crafted natural health supplement aimed at helping individuals maintain balanced blood sugar levels. Developed by Jeffrey Mitchell, this liquid formula contains 24 scientifically backed ingredients meticulously chosen to target the root causes of blood sugar imbalances.

What is Tea Burn? Tea Burn is a new market-leading fat-burning supplement with a natural patent formula that can increase both speed and efficiency of metabolism. Combining it with Tea, water, or coffee can help burn calories quickly.

I do enjoy the way you have framed this problem and it does offer me some fodder for thought. However, coming from everything that I have experienced, I simply just trust when other reviews stack on that people remain on issue and don’t embark upon a tirade regarding some other news du jour. Yet, thank you for this excellent point and while I do not go along with it in totality, I respect your point of view.

I am very happy to read this. This is the kind of manual that needs to be given and not the accidental misinformation that’s at the other blogs. Appreciate your sharing this greatest doc.

Добавить комментарий


двенадцать − семь =