About greedy bankers

[DARPA]

Two news from the banking sector came one after the other.

Alfa Bank sent a letter to the Central Bank to provide another delay application of the full cost of credit limit (). According to him, in a crisis can not be deprived of the right to bully the bankers interest on loans above the rails, provided the Central Bank. Otherwise, it will negatively impact on margins and profits, ie, in the capital, and borrowers will run into microfinance institutions, where there are no limits no.

According to the calculations of the Bank of Russia rates on credit cards can not exceed 25-35,1% per annum, but now banks offer 28,8-69,73%, and these levels need to be maintained, gently hinted at in Alpha.

Under 70 !!! annual interest rates on card loans! Some pawnshops can be cheaper ...

Cutting

The second news - from Russian Standard.

Bank "Russian Standard" unilaterally raised the cost of borrowing that his customers can get by using a previously issued by credit card. Bet on card loans increased by almost 7 percentage points - from 28% to 34.9% per annum, according to the portal Banki.ru with reference to the letter from the bank that was sent out to customers, "Russian Standard" (source). And we are talking about "gold" cards for less pompous types of plastic interest traditionally even higher. A little earlier, a similar somersault done Bank "Vanguard".

The bank "Russian Standard" RBC said that the bank sent a customer of the proposal to switch to another tariff plan, which involves a corresponding increase in rates. In case of cancellation the customer will not be able to use the credit card limit.

In fact, this unilateral change in the conditions of the contract. It can be challenged in court, but most people probably are not ready to litigation. Some spit and close the credit card, while others sigh and begin to pay more. Just because the margin - is sacred.

"Russian Standard" acts in a straight line. Alpha - smarter. For the same client - that in his forehead, that on his forehead to pay higher prices for the welfare of bankers.

Only at the end of an arrogant and bloated in fat years usurious business can behave so unceremoniously.