The law allowed the Russians to repay the loan ahead of schedule without paying

[@InfoPoisk]

Russian President Dmitry Medvedev signed a federal law that allows Russians to early repay a debt on a mortgage or loan without paying additional fines and without the consent of the creditor, but with a notification of the latter at least 30 days in advance. The corresponding document was published on Friday in the Rossiyskaya Gazeta.

The law was adopted by the State Duma on October 7 and approved by the Federation Council on October 12, 2011, RIA Novosti reports.

Currently, by law, the amount of a loan provided at interest can be repaid early with the consent of the person who provided the loan.

The law signed by the president, amending articles 809 and 810 of part two of the Civil Code of the Russian Federation, will allow individuals to repay funds ahead of schedule without the consent of the creditor if they took a loan for personal, family, home or other use that is not related to entrepreneurial activity.

In addition, the law establishes the right of Russians to fully or partially repay a debt, provided that their creditor is notified in writing at least 30 days before the day of return. It is proposed to establish the possibility of determining in the loan agreement a shorter period for notifying the lender.

 

[Евгений СБ]

And it is right.

 

[НСК-СБ]

In addition, the law establishes the right of Russians to fully or partially repay a debt, provided that their creditor is notified in writing at least 30 days before the day of return. It is proposed to establish the possibility of determining in the loan agreement a shorter period for notifying the lender.

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The right law, only these 30 days to nothing!

 

[Anonymous]

Instead of 30 days ..., everyone has long been using judicial practice:

The Federal Arbitration Court of the North-Western District, in a ruling of March 10, 2011 in case No. A66-9099 / 2010, concluded that the following conditions included by banks in loan agreements are illegal and infringe on consumers:
- on the lender’s right to transfer its rights under the contract to another person without the consent of the borrower (this means a ban on transfer of claim rights to collection organizations even if the borrower agrees to such a transfer);
- on the provision of a loan by transferring funds to the borrower's bank account opened with the lender (thus, opening a bank account by the borrower at the creditor bank is optional);
- about the commission for providing a loan;
- on determining the date of repayment of the loan, payment of interest on the use of the loan, commission and fines - the date of receipt of funds to the account of the creditor;
- on assigning to the borrower the risk of untimely operations to transfer funds to his account by bank transfer or by postal order;
- On direct debit of overdue debts from the accounts of the borrower;
- on the payment by the borrower of a penalty for late repayment of the next part of the loan;
- on early repayment by the borrower in case of his dismissal of the main debt on the loan and interest on its use;
- on payment of penalties calculated daily on the amount of the borrower's actual debt on interest for each day of delay in interest payment, starting from the day following the expiration of the next term for payment of interest for using the loan stipulated by the contract, and until the contract expiration date;
- on the prohibition to carry out operations related to entrepreneurial activity with funds located on the borrower's loan account;
- about non-alternative jurisdiction.