The Russian banks do not want to independently calculate the amount of the subsistence level of the debtor, which will not be able to recover, and intend to pass this obligation on bailiffs. On new tricks it became known to the newspaper “Vedomosti”.
The publication refers to the letter that the Financial Market National Council (NSFR) has sent to the Ministry of Justice. Bankers fear that this approach will force them to lay new risks in interest rates on loans. In addition, banks have been concerns that such practices adversely affect the payment discipline of borrowers.
The corresponding amendments to the Civil Procedure Code and the Law on Enforcement Proceedings shall enter into force in February 2022. It will allow debtors to keep the amount of the invoice in the amount of the minimum wage after all the penalties. Once the law is passed, a man trapped in a difficult situation due to the debt, be able to identify a single account, which is guaranteed to be kept to a minimum income. The main objective of the initiative – step by step to ensure that absolutely all Russian citizens had an income of not less than the minimum subsistence level
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In Russia, a person is considered poor if his income is less than the subsistence minimum. In 2021 it was set at 11 653 rubles, in 2022 – at 11 950 rubles