As Irina Gukova, founder of the law firm GAP, explained, along with data on interest rates, in the same font, you need to indicate the range of values ​​for the total cost of the loan (FLC).

“The requirement concerns the official website of the bank and places for accepting applications for the provision of services, even on the Internet. As a general rule, the PSC must be indicated in the contract when issuing credit cards,” the specialist added.

In addition, she noted that the period during which the borrower can refuse personal and voluntary insurance contracts concluded for loan approval has been increased from 14 to 30 calendar days.

It will be possible not only to refuse imposed additional services, but also to receive a corresponding document from the bank stating that the terms of the consumer credit (loan) agreement will not change in any way due to this cancellation, she explained

Director of the legal department "Sravni" Yulia Suvorova.

“Consent to purchase additional paid services must be drawn up in writing, either as a separate document, or by placing a separate signature in the table of individual conditions and directly in the consumer credit (loan) agreement itself. Refunds for imposed and paid services can be made directly through the bank,” added RT’s interlocutor.

As Home Bank Product Director Ilya Boltnev emphasized, this should increase people’s confidence in the banking market by understanding the real range of loan costs and reducing imposed services and unnecessary costs for clients.

“The level of refusals of additional services will increase somewhat after the implementation of the changes, but since the value for the client will not change in any way, we do not expect a significant drop in the demand for services for loans,” he said.

According to Yulia Suvorova, the key point of indicating the range of the total cost of the loan is for the borrower to pay attention not only to the attractive rate indicated, for example, in advertising, but to see the size of the full cost of the loan and understand how much the bank (lender) will have to pay/overpay ) ultimately.

Earlier, lawyer and public figure Natalya Weinberg told in a conversation with RT how to distinguish a debt collector from a fraudster.