New laws on loans and installments have come into effect in Russia.
The first law concerns installment services. Now, when purchasing a product in installments, its cost cannot be higher than the price for full payment. The maximum installment period is 6 months. Before the law was adopted, there were no unified rules, although such services are becoming increasingly popular.
The second innovation is for those who take consumer loans and borrowings for a period of up to one year. The maximum amount of charges (interest, penalties, fees) is reduced from 130% to 100% of the principal debt amount. In simple terms: the total debt cannot exceed double the amount of the loan.
According to Volodin, since 2025, the State Duma has adopted 58 federal laws aimed at regulating the financial market. In his opinion, the new norms protect the interests of borrowers and installment users.
Recall that we previously reported that the Kirov region ranked 39th in the rating of Russian regions by the volume of lending. Read more details here.
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New laws on loans and installments have come into effect in Russia.
As of April 1, several laws aimed at reducing the financial burden on citizens have come into effect. This was reminded by the Chairman of the State Duma Vyacheslav Volodin.