Photo: Konstantin Kokoshkin / “Kommersant”
Large banks have approached the Central Bank with a proposal to amend the approach to calculating debt ratios (PDN) borrowers ‘ voluntary disclosure statements. This writes belongs to Grigory Berezkin the RBC with reference to sources. The information was confirmed by two major banks and two credit bureaus, as well as the press service of the regulator.
From the assessment of the borrower’s income depends on whether the Bank to give him credit on favorable terms. Now the income of the borrower credit institution is evaluated on the basis of the inquiry 2-NDFL, income certificate from the employer, Declaration of paid tax for individual entrepreneurs. In addition, creditors may obtain statement of account from the Pension Fund of Russia, and also to ask for information to the Federal tax service of the country.
According to new idea, the borrower once a year, he will report in any Bank of their income. After this data is received in the credit Bureau and will be available to other market participants on request. The final mechanism samodelegirovanie not yet approved, is currently discussing the possibility of filing such a Declaration. However, the Bank of Russia fear that the Russians will provide inaccurate information that will lead to incorrect calculation of debt burden.
However, experts note that the Russians have no incentive to provide banks with additional information about their income. According to the head of the onf project “For the rights of borrowers” Evgenia Lazareva, motivation can only be the case if the Russians claim credit for a large sum. In addition, in her opinion, the borrowers don’t disclose the actual revenue, because they fear that this information will be transferred to the tax authorities.
Video, photo All from Russia.