When issuing a loan, banks often offer to buy understand the importance of creating your brand personas insurance for it, arguing that the interest rate will be lower. Is this legal?
— The bank can ruce the interest rate
The client if the latter has insur his risk of non. Repayment of the loan, this is true and this is logical. It was 15%, and with the purchas policy — 7%. Moreover. This insurance can be inexpensive — 8-10 thousand rubles. We have nothing against such insurance, although it, as an additional product, should be separately spell out in the contract so that the client understands why he is buying and paying for it. It is worse when, together with this insurance, zealous managers also slip in several other additional services, for example, a subscription to an online cinema, a legal consultation service or telemicine, and so on. As a result, an overpayment of several hundr thousand rubles may accrue. In reality, only one insurance insures the risks of the loan. If there are more of them and some other services are add, you ne to to avoid problems with labeling carefully check whether the bank is trying to make money on the client’s gullibility.
Special case
A woman came to the bank for a loan of one million rubles
They gave her the loan, but told her that agb directory if she want a lower rate, she ne to take out a “small” insurance. She agre, but when she went to her personal account.
