АО «Россельхозбанк» – отделения и банкоматы Россельхозбанка в вашем городе. Режим работы, телефоны горячей линии, удобный поиск адресов на интерактивной карте.
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Банк –финансово-кредитная организация, производящая разнообразные виды операций с деньгами и ценными бумагами и оказывающая финансовые услуги правительству, юридическим и физическим лицам [264] .
Ломбард –этоучреждение, которое выдает кредиты под залог движимого имущества, вещей, передаваемых учреждению на хранение. Оценка стоимости вещей производится по соглашению сторон. Владельцу вещи выдается именной ломбардный билет (расписка). В случае невозврата ссуды, невыкупа имущества его владельцем, оно переходит в собственность ломбарда и может быть продано им [265] .
Микрофинансовая органзации (МФО) –это небанковская организация, деятельность которой направлена на выдачу кредитов юридическим и физическим лицам. Схема выдачи этих кредитов намного проще, чем в банке. Как и любой другой организации, для полноценной работы МФО необходим капитал. Микрофинансовая организация может привлекать ресурсы из различных источников. В первую очередь это высокие проценты от предоставленных займов, а также сотрудничество с инвесторами. Ими могут быть как частные лица, так и банковские организации.
МФО специализируется на выдаче небольших займов. Такие займы очень доступны, а в некоторых случаях деньги можно получить даже онлайн [266] .
Отличие банка от ломбарда
Главное отличие банкаот ломбарда – важность кредитной истории заемщика и наличия срока рассмотрения заявки на выдачу кредита. Залог же при оформлении кредита в банке не обязателен, но если он и нужен, то он не забирается банком при выдаче кредита.
Кроме того, одно из главных преимуществ банка – полная стоимость кредита намного ниже, чем в ломбарде и МФО, что, безусловно, выгодно.
В ломбарде же, кредитная история заемщика не так важна, и деньги выдаются сразу, то есть нет срока рассмотрения заявки на выдачу кредита. Но при этом в ломбарде залог обязательный, а также он забирается у заемщика при выдаче кредита. При просрочке кредита, ломбард может забрать залог и продать его в счет погашения долга, что, безусловно, является минусом.
Так же одним из главных минусов является высокая стоимость кредита.
Отличие банка от микрофинансовой организации
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Как было сказано ранее, главным отличием банка от других финансовых организаций, является важность кредитной истории заемщика и наличие срока рассмотрения заявки по выдаче кредита. Так же, как правило, банки специализируются на выдаче больших кредитов, по «низкой» стоимости.
ВМФО,как и в ломбарде, – кредитная история заемщика не так важна, деньги выдаются сразу, то есть, практически нет срока рассмотрения заявки на выдачу кредита. Микрофинансовая организация, как правило, специализируются на выдачи мелких кредитов «до зарплаты». Полная стоимость таких кредитов очень высока, что является главным минусом МФО.
Полная стоимость кредита
Для сравнения полной стоимости кредита по разным финансовым организациям взяты среднерыночные значения полной стоимости потребительского кредита (займа), рассчитанные Банком России на 1-й квартал 2017 г: см. Приложение 3 (Источник: www.cbr.ru)
Сравнения проводились по следующим двум параметрам кредита:
а) до 30 000 р. сроком до 1 месяца;
б) свыше 300 000 р. Сроком до 1 года.
Если рассмотреть кредиты до 30 000 р. сроком до 1 месяца, то процент по кредитам, который надо будет заплатить в банке – 27,51 %, в ломбарде – 122,32 %, а в МФО – 599,36 % годовых. Отсюда можно увидеть, что цена на такие кредиты в ломбарде и МФО очень высока.
Если рассмотреть кредиты свыше 300 000 р. сроком до 1 года, то можно увидеть, что процент по кредитам, который надо будет заплатить в банке – 23,83 %, в ломбарде 35,94 %, а в МФО 70,89 %. Хотя проценты по данному кредиту ниже, чем в предыдущем варианте, но все равно в ломбарде и МФО они существенно выше, чем в банке.
Виды кредитов. Их плюсы и минусы
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Основными видами кредитов, предоставляемых финансовыми организациями населению, являются:
ломбардный – кредит под обеспечение, которое забирается в случае неуплаты долга;
ипотечный – кредит, выдаваемый на приобретения какого-либо крупного недвижимого имущества (квартира и т. д.);
автокредит – кредит, выдаваемый на покупку движимого имущества (автомобиль и т. д.);
потребительский – кредит, предназначенный для физических лиц, чаще всего берется с целью совершения таких покупок, как бытовая техника, тур путевки и т. д.;
экспресс-кредиты – небольшие кредиты, выдаваемые на короткий срок погашения, как правило «до зарплаты».
Плюсы и минусы кредита:
«+» пользуешься вещью сразу, не имея денег ее купить;
«-» долг, значительная переплата и риск угодить в финансовую зависимость.
Требования банка к заемщику
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Не каждый желающий может получить кредит на приобретение товаров и услуг для удовлетворения своих нужд и потребностей. Банки готовы выдавать кредиты только тем заемщиком, которые соответствуют ряду требований, предоставляемых банком.
Основные требования банка к заемщику: наличие действующего паспорта гражданина РФ; возраст – более 21 года; постоянное трудоустройство не менее 4-х месяцев на текущем месте работы; уровень дохода, позволяющий гасить кредит; отсутствие судимости. И самое главное – хорошая кредитная история.
Глава 4. Анализ задолженности граждан РФ банкам и микрофинансовым организациямКредитная зависимость
К декабрю 2014 года по данным ОКБ (Объединенного Кредитного Бюро) количество просроченных кредитов составило 15,66 %. Однако, ЦБ России приводит несколько другие цифры.
По данным Центрального Банка в 2014 году рост задолженности не был таким уж большим: доля просроченных кредитов на 1 января 2015 года для организаций – 4,3 %, для физических лиц – 5,9 %. Если сравнить с январем 2014 года (4,9 % и 4,2 %), то можно увидеть, что изменения практически незначительны.
Однако ОКБ предложило свою статистику по просрочке, в которой мы можем заметить повышение уровня просроченной задолженности за 2014 год на 2,6 % и в декабре она составила 15,66 % (по всем кредитам).
Если сравнивать с 2013 годом, то изменения существенны, отмечают в ОКБ: «В 2014 году начался стабильный рост задолженности, тогда как в 2013 году рост был не более чем на 0,3–0,5 % и периодически сменялся периодами спада. В 2014 году рост, пусть и не очень большой, внушает опасения ввиду своей стабильности».
Самый высокий процент просрочки – в сегменте необеспеченных кредитов (наличными – 17,34 %, по кредитным картам – 14,15 %). На втором месте – автокредиты, по которым просрочка увеличилась за год на 1,3 % – до 10,12 %.
Средняя зарплата россиян за 2016 год:66,88 тысячи рублей.
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Информация по задолженности
На конец 2015 г. у банков было более 74,7 млн открытых кредитов общим объемом 12,6 трлн рублей. Среди них просроченных кредитов – 12,6 млн штук, или 16,9 %, из них более 9,5 млн кредитов, или 12,7 %, которые имеют просрочку платежа 90 и более дней. Остаток ссудной задолженности по всем открытым кредитам составил 9,05 трлн рублей. Таковы данные исследования ОКБ «Кредитная карта России».
Объем просроченной задолженности по кредитам составил 1,15 трлн рублей, или 12,7 % от общего объема ссудной задолженности, из них около 1,11 трлн, или 12,3 %, приходится на кредиты с просрочкой платежа 90 и более дней.
В среднем на одного заемщика в России приходится 1,6 кредита. 57 % заемщиков имеют один открытый кредит, 24 % – два кредита, 10,5 % – три кредита, 5 % заемщиков имеют четыре кредита, 3,5 % – пять и более кредитов.
Особенности банковских договоров
Вот что говорится в рекламе на сайте Сбербанка России по поводу получения кредитов.
Потребительский кредит без обеспечения дает возможность получить средства на сумму до 1 500 000 рублей максимально быстро. При сумме кредита до 1 500 000 рублей на любые цели процентная ставка составит от 14,9 % на срок кредита до 5 лет. Срок рассмотрения заявки в – течение 2 рабочих дней со дня предоставления в Сбербанк полного пакета документов. Существуют специальные условия для зарплатных клиентов [267] .
А предновогодняя реклама Сбербанка по телевидению обещала кредит «На мечту» и вовсе от 10,9 %.
При этом, средняя ПОЛНАЯ стоимость аналогичного кредита, рассчитанного Центральным Банком РФ = 27,50 % (Приложение 3).
Отсюда можно сделать простой вывод: перед тем, как заключить с банком договор – внимательно его прочитайте и особо обратите внимание на мелкий шрифт.
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Глава 5. Варианты взыскания просроченных долговУважаемые руководители ломбардов, доводим до Вашего сведения ответы Центрального банка РФ на вопросы ломбардов:
Нет, ломбард не имеет такого права. По закону «О ломбардах» (часть 1 ст. 8), обязательства заемщика включают в себя сумму предоставленного займа и проценты за пользование им. Проценты начисляются за период фактического использования займа в соответствии с процентной ставкой, установленной договором займа. Включать в сумму своих требований к заемщику иные требования ломбард не вправе.
Нет, ломбард не вправе привлекать денежные средства физических лиц, не являющихся его учредителями (участниками). В соответствии с пунктом 4 статьи 2 Федерального закона от 19.07.2007 № 196-ФЗ «О ломбардах» ломбарду запрещается заниматься какой-либо иной предпринимательской деятельностью, кроме предоставления краткосрочных займов гражданам, хранения вещей, а также оказания консультационных и информационных услуг. Деятельность по привлечению ломбардом денежных средств физических лиц, не являющихся его учредителями (участниками), может расцениваться как незаконная банковская деятельность, если будет направлена на систематическое привлечение денежных средств и последующее их размещение в виде краткосрочных займов в целях получения прибыли.
Все займы гражданам, выдаваемые ломбардами, являются потребительскими, за исключением займов индивидуальным предпринимателям. При этом, согласно законам «О потребительском кредите (займе)» и «О ломбардах», все потребительские займы должны оформляться одновременно договором потребительского займа и залоговым билетом. Потребительские займы ломбарда должны быть отражены в разделе 3 отчета о деятельности ломбарда, форма которого установлена в приложении 1 к Указанию Банка России от 05.08.2014 № 3355-У «О формах, сроках и порядке составления и представления в Банк России документов, содержащих отчет о деятельности ломбарда и отчет о персональном составе руководящих органов ломбарда».
При выдаче займа физическому лицу целях, не связанных с предпринимательской деятельностью, ломбард обязан соблюдать требования Федерального закона «О потребительском кредите (займе)». В тоже время, ломбард осуществляет свою деятельность по выдаче потребительских займов с учетом ограничений, установленных Федеральным законом «О ломбардах» в части, не противоречащей Федеральному закону «О потребительском кредите (займе)».
Нет, ломбард не вправе обладать статусом микрофинансовой организации и заниматься микрофинансовой деятельностью в соответствии в соответствии с требованиями Федерального закона «О микрофинансовой деятельности и микрофинансовых организациях». В соответствии с частью 3 статьи 3 Федерального закона «О микрофинансовой деятельности и микрофинансовых организациях», ломбарды осуществляют микрофинансовую деятельность в соответствии с Федеральным законом «О ломбардах» с учетом ограничений, установленных Федеральным законом «О ломбардах».
Содержание статьи
Что такое ломбард
Наверняка многим знакомо слово «ломбарды». Однако большинство, никогда не было их клиентами, а значит, может сказать лишь приблизительно, чем занимаются эти организации. Здесь мы постараемся рассказать о том, что такое ломбард и как он работает, а также остановимся на некоторых нюансах их деятельности.
Богатые купцы-ломбардийцы (Италия), приехав в Европу более чем полтысячи лет тому назад, организовали бизнес по предоставлению сумм, временно забирая в заклад ценные вещи. С тех пор учреждения, дающие деньги под залог, получили название ломбардов. По своей сути они являлись коммерческими учреждениями, получавшими прибыль от выплаты процентов заемщиком. То есть человек одалживает деньги, предоставляя в залог что-то дорогое, расходует полученные средства и забирает свою вещь, выплатив пени за пользование одолженной суммой.
Что значит «ломбард» в наши дни? Некредитная организация, выдающая краткосрочные займы и не требующая предоставления справок о финансовой состоятельности (как в банке). Достаточно просто принести ценный предмет и с собой иметь документ, подтверждающий личность (паспорт). Заемщик сдает драгоценности, бытовую технику, автомобиль и получает нужную ему сумму с учетом оценки предоставленной вещи. У заемщика есть право забрать сдаваемые ювелирные украшения или прочие предметы, погасив непосредственно заем и проценты за пользование.
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Процентная ставка за пользование предоставленными в долг деньгами в разных компаниях может отличаться, но в любом случае она довольно высокая и будет выгодна только если пользование займом краткосрочное. Многие интересуются фактическим статусом и правда ли то, что ломбард – это микрофинансовая организация? Нет, эти учреждения не являются МФО, которые в отличие от них не берут движимое имущество под залог.
Виды ломбардов
В современных реалиях, организации, дающие деньги в долг под заклад имущества, имеют строгую направленность или могут быть универсальными, принимая все от всех, кроме недвижимости.
Прием драгоценностей. Это заведения, специализирующиеся на принятии ювелирных изделий, драгоценных камней, металлов, а также дорогостоящей кухонной утвари (столовое серебро). Это наиболее популярный вид займов.
Автоломбарды специализируются на приеме автотранспортных средств. Здесь залогом выступает передвижное транспортное средство, которое можно оставить на специальной, охраняемой площадке. После того, как клиент погасит сумму, плюс проценты, он может забрать свое авто. Платежи здесь более внушительные, поэтому, как правило, действует сниженная процентная ставка.
Антикварные и часовые встречаются редко, но зато там можно встретить настоящие произведения искусства и раритетные предметы быта. Их очень мало, и не в каждом городе они есть из-за узкой специализации.
Прочие. В таких учреждениях берут все, начиная от ювелирки и заканчивая профинструментом (болгарки, дрели, перфораторы и пр.). Одним словом, все, что может представлять какую-либо ценность.
Отдельно об электронике и бытовой технике. В ломбардах данной специализации оценочная стоимость значительно отличается от цены нового устройства. Это зависит от возраста, сохранности, ликвидности предмета. Поэтому рассчитывать на сумму, как за новенький планшет или телевизор не стоит. Как правило, выдается заем от 30 до 50% от рыночной стоимости изделия.
На базе многих ломбардов имеются и магазины. В них продаются невыкупленные ценности. Нужно отметить, что продажа таких вещей не является основным видом деятельности, а лишь способом компенсировать убытки от невыкупленного залога. Таким образом, продавец заинтересован в быстрой продаже этих изделий и именно поэтому порой цены на них могут быть ниже рыночных.
Что означает ломбард и как он работает
Этот вопрос довольно актуальный для тех, кому не приходилось никогда раньше сталкиваться с его деятельностью и предоставляемыми услугами. Весь процесс начинается с того момента, когда, взяв в руки вещь, которую хотите оставить под заклад, и паспорт, вы направляетесь в финансовую организацию. Придя в заведение, отдаете предмет на оценку товароведу. Нужно учитывать, что для разных залогов есть свои характеристики (востребованность, изношенность, ценность по весу и пр.), которые оценщик принимает в расчет, перед тем, как объявить вам конечную стоимость.
Приемщик сам проводит экспертизу, и озвучивает сумму, которые вы сможете получить. Важно описать все характеристики вашей вещи, чтобы никакая деталь при оценке не была упущена, а выплата займа соответствовала вашему изделию. В любом случае сумма оценки не будет для вас неожиданностью, так как на золото всегда имеется прейскурант, а на другие виды залогов указываются конкретные проценты от их рыночной стоимости. В случае вашего согласия вам расскажут о процентной ставке и сроках погашения займа.
Ваше согласие – следующий этап подписания договора, который составляется на оригинальном бланке, с обязательной мокрой печатью. В договоре указываются все пункты по выплате займа и хранению вашего товара. При условии просрочки выплат или погашения займа, наступает время «двойных процентов» – льготный период (по прошествии стандартного срока по договору), который устанавливают многие организации. Если ваша ценность не выкуплена по прошествии 60 дней, ломбард, как коммерческие учреждения, вправе продать ее на аукционе для погашения собственных издержек. Этот пункт оговорен в законе о деятельности ломбардов.
Принцип деятельности организаций, выдающих небольшие займы под заклад неизменен уже более 500 лет. Во главу угла ставится вещь, сданная в залог, ее ценность и ликвидность.
Система работы ломбарда основывается на получении прибыли от процентов за пользование краткосрочным займом, но с обязательным условием – предоставлением в качестве залога предмета (движимого имущества), который может представлять ценность.
Если у вас возникнут вопросы, можете бесплатно проконсультироваться в чате с юристом внизу экрана или позвонить по телефону
8 800 350-81-94 (консультация бесплатно), работаем круглосуточно.
Оплата процентов за пользование предоставленным кредитом начисляется ежедневно в отличие от банков, что намного удобнее, т. к., если вы собираетесь погасить займ в течение нескольких дней, вам не придется платить проценты за весь период или выплачивать штраф за досрочное погашение. При этом процентная ставка несколько выше банковской. Это объясняется тем, что ломбард выдает, как правило, небольшой займ на короткий срок.
Желая привлечь клиентов, многие учреждения идут на понижение процентной ставки, для постоянных посетителей предоставляют реальные скидки. Также, как правило, ее пропорционально понижают при повышении суммы займа.
Нужно отметить, что этот принцип работы практически неизменен для многих стран мира, и в основном устраивает тех людей, которым нужны деньги здесь и сейчас, а в ответ они могут предоставить востребованный предмет. Если вас интересует, по какому принципу работает ломбард бытовой техники, то особенных отличий нет. Если в ювелирном принимаются любые изделия вне зависимости от их состояния, то при приеме бытовой техники, она должна быть полностью исправна и иметь презентабельный вид.
Плюсы и минусы
Услуги ломбарда имеют и ограничения. Они вытекают из достоинств, то есть рассчитаны на краткосрочный период. Поэтому, если вы не в состоянии погасить займ в указанный период, лучше рассмотреть другие варианты. Вследствие краткосрочности процентная ставка будет выше, чем в финансовых учреждениях, выдающих кредиты на длительные сроки. Но если срочно нужны деньги и нет времени для похода в банк, плохая кредитная история, и есть возможность быстро выкупить ценность, то краткосрочный займ в ломбарде – лучшее решение.
Основываясь на том, как работают ломбарды, особенности системы и принцип работы, можно сделать вывод о достоинствах и недостатках, а также о выгоде для потенциального клиента. Обобщая можно отметить, что плюсов в функционировании финансовой организации достаточно:
быстрое получение наличных;
минимум документов;
в случае неуплаты процентов или суммы залога, клиент может не бояться прихода коллекторов, повестки в суд;
ломбард не интересует ваша кредитная история. Деньги вы получите в любом случае;
займ выдается на короткий срок в любом варианте: будь то 500 рублей или 1000000;
процентная ставка начисляется ежедневно, поэтому можно выкупить изделие раньше срока по договору и оплатить только
начисленные проценты.
Права и обязанности заемщика
Залог вещей в ломбарде – это в первую очередь обязанности заемщика и ломбарда, где первый обязуется выкупить свой залог и погасить всю сумму займа, а второй предоставить денежные средства и сохранить вашу ценность. В обязанности заемщика входит:
выкуп заложенной вещи до окончания срока договора;
В отдельных случаях он может запросить у клиента документы на право владения той или иной вещью, когда у приемщика есть сомнения по поводу легальности предоставляемой ценности.
Естественно, помимо обязанностей, у заемщика есть и права:
получить на руки договор, в котором залогодатель указывает свои реквизиты и основные условия сделки;
выкупить предмет залога в любое время;
обратиться в суд, в ситуациях, когда он утерян или был реализован до истечения срока договора.
Кроме того, организация обязана известить человека о продаже залога по истечении срока. Нужно обратить внимание на один нюанс. Если заложенный предмет представляет интерес для правоохранительных органов, он может быть изъят для проведения следственных действий. Это не противоречит законодательству, как и то, что ломбард будет содействовать правоохранительным органам.
Как получить деньги, не став жертвой обмана
Некоторые комиссионные магазины могут активно маскироваться под ломбард. Их особенность заключается в том, что, принимая вещь, они не берут залог, а просто ее выкупают, а вам выдают деньги. При этом вы подписываете не договор залога, а иной (чаще всего комиссии). По сути, это не является нарушением, но может ввести в заблуждение и сделает невозможным последующий выкуп вещи.
Если у вас возникнут вопросы, можете бесплатно проконсультироваться в чате с юристом внизу экрана или позвонить по телефону
8 800 350-81-94 (консультация бесплатно), работаем круглосуточно.
Почему это важно знать клиенту? Договор залога печатается на бланках строгой отчетности и имеет фиксированную форму, утвержденную ЦБ РФ. В нем не может быть отступлений от нормы, текстов «мелким шрифтом» – любые нарушения строго наказываются. Таким образом, подписывая типовой залоговый билет, вы можете быть уверены в том, что предоставляемые услуги будут выполнены корректно и вам нужно лишь проверить правильно ли указаны сумма, срок, описание вашего изделия. В случае подписания других сделок, общей рекомендацией будет внимательное прочтения текста договора данной организации.
Заключение
Обращение в ломбард в отдельных случаях является единственным выходом при срочной необходимости в деньгах. Так стоит ли им пренебрегать, если все остальные пути получения наличных отсутствуют? Это реальная возможность при сложном финансовом положении. Ломбард Аверс готов принять ваши изделия по вполне приличной стоимости и на выгодных условиях.
Остались вопросы? Бесплатная консультация по телефону:
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