How to save yourself from credit. Northerners told what the self-prohibition is and how to issue it
The Prosecutor’s office of Severomorsk explained to the northerners how now you can protect yourself from unwanted loans. The opportunity appeared after February 26, 2024 was adopted by the Federal law number 31-FZ. He amended two laws: “On credit histories” and “On consumer credit (loan)”. The essence of the amendments is that a person can prohibit the issuance of consumer loans and loans.
You can apply through the portal of public services or through a multifunctional center. The service is free, and northerners can use it at their own request.
The ban could be total. But you can also narrow it down: limit it to certain ways of concluding contracts or types of creditors. It is worth remembering that information about the ban will get into the credit history.
When a person applies for a loan or loan, the lender first looks to see if they have a ban. A bank or microfinance organization is required to verify this. If the ban concerns the loan that is requested, the issue will be refused. And if the money is still issued in spite of the ban, the creditor will not be able to recover the debt under such an agreement.
The self-prohibition does not apply to mortgages, car loans secured by cars and educational loans with state support. Contracts that were concluded earlier, he also does not cancel: obligations remain. If the ban is no longer needed, the citizen writes the application and removes it in the prescribed manner.
