The authorities intend to reduce the amount of maximum payments that debtors are obliged to return to creditors. At present, a citizen who borrowed from microfinance, taking into account interest and penalties, can pay the organization as much as possible a sum that is three times as much as the one he took.

The Bank of Russia is convinced that the ceiling of payments should be reduced. The decline will occur in stages, the "Vedomosti".

The regulator insists that as soon as possible to reduce the size of the maximum payment up to 2.5 times. By July 2019. the maximum amount of debt should not exceed twice the amount of the loan, and in a year the coefficient will be 1.5, said the head of the microfinance market department of the Central Bank Ilya Kochetkov. Reduce and the loan rate. Right now, it needs to be reduced to 1.5% per day, and by 2019. it should be reduced to 1%. The tightening of the regulator will hit hardest on the so-called loans before the salary. Such payments will be limited to 10 thousand.

rubles, which will be issued no more than 15 days. The restriction is even suggested in the law. Return the debt citizens will be fixed payments - no more than 3 thousand. rubles with interest and penalties at a time. The amount of the loan or the period of its payment can not be increased. Innovations will kill two birds with one stone.

First, the market will get rid of unscrupulous and unviable players.

Secondly, irresponsible citizens will stop charging themselves with an excessive credit burden. "We should virtually exclude the possibility for citizens to take money if they are not ready and do not have the ability to service such debts," the representative of the Central Bank. True, the owners of microfinance institutions themselves are nervous. If the marginal payments and maximum daily rates are slightly lowered, the market will be cleared of gray and inefficient companies, they agree. But with the further tightening of the nuts, microfinance organizations that specialize in pay-to-pay payments will not be able to work at all. Many players will have to change their business models and move on to issue medium-term loans. But most importantly, ordinary citizens will lose an affordable source of money. So, first of all, their interests will suffer, say microfinance. Citizens will start to borrow from the black creditors with whom the Central Bank and the market have been actively struggling in recent years. And they will blossom violent color. As a result, the industry will reject 15-20 years ago, during the "dashing 90s". Defenders of consumer rights are confident that the tightening of the rules of the interests of citizens will not suffer.

After all, this is absurd, when customers take loans only in order to repay previous debts, and they pay 700% per annum. Last year, the Central Bank said it was studying a sharp increase in demand for microcredit. Then the regulator suggested that the cause of the boom may be simplicity of registration of microloans and inaccessibility of classical bank loans. He promised to make financial services more accessible to citizens, but in practice it turns out that everything goes exactly the opposite.