chwilowki

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Historia kart kredytowych biznes powinien być zatrudniony w niezawodny sposób. To rozsądne , aby wykształceni wyborów z każdej transakcji. Na przykład : większość kart do gry , jeśli nie wszystkie , oferują alternatywne fundusze - odstawienia. Zainteresowanie jest znacznie wyższe od wypłat funduszy , a można zaoszczędzić poprzez sterowanie jasne z tej opcji . Mimo wszystko, nadaldoskonały wybór , jeślifirma próbami kłopoty dochodu przepływu.. Więcej: chwilówki na finance-mint.pl

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Ministerstwo Finansów chce ustawowo ograniczyć koszty chwilówki, których wysokość sięga setek,a nawet tysięcy procent w skali roku. Chce chronić przekredytowanych i tych, którzy nie potrafią liczyć
Od upadku Amber Gold minęło prawie półtora roku. Parabank oszukał kilkanaście tysięcy osób na setki milionów złotych.

Rząd i opozycja jednym głosem zapowiedziały, że ucywilizują rynek pozabankowy. Postanowiły wziąć pod lupę nie tylko firmy, które udają banki, a więc tak jak Amber Gold przyjmują depozyty od klientów bez licencji bankowej, lecz także całą branżę pożyczkową.

Jak duży to jest rynek? Tego precyzyjnie nie wie nikt. Konferencja Przedsiębiorstw Finansowych twierdzi, że z usług dziesięciu zrzeszonych w niej firm oraz największego pożyczkodawcy (Provident) w ubiegłym roku korzystało blisko 1,4 mln klientów.

Z opublikowanego właśnie raportu firmy konsultingowej PwC wynika, że tego typu firmom Polacy są winni ok. 4 mld zł. To niewiele, jeśli spojrzymy na kredyty i pożyczki zaciągnięte w bankach. Ich wartość przekracza 543 mld zł, z tego 123 mld zł to kredyty konsumpcyjne.

Kwota nie jest duża, ale problem poważny. - Z oferty firm pożyczkowych nierzadko korzystają osoby gorzej wykształcone i często już zadłużone, a więc bez szans na uzyskanie kredytu w banku. Dlatego, żeby chronić ich interesy, trzeba rynek pożyczkowy poddać kontroli - uważa Orłowski, główny doradca ekonomiczny PwC.

NBP już ostrzegał

Problem dawno dostrzegł też Narodowy Bank Polski. W ubiegłym roku zainicjował kampanię, w której pokazywał, jak bezpiecznie i świadomie pożyczać pieniądze. Akcja miała też zwrócić uwagę na horrendalnie wysokie koszty pożyczek udzielanych przez firmy pożyczkowe, które dziś są praktycznie poza jakąkolwiek kontrolą.

Wprawdzie muszą one - tak jak banki i SKOK-i - przestrzegać ustawy o kredycie konsumenckim i ograniczać oprocentowanie pożyczek do czterokrotności stopy lombardowej NBP, czyli dzisiaj 16 proc., ale omijają tę zasadę. Większość firm pożyczkowych w ogóle nie zarabia na odsetkach, lecz na różnego rodzaju opłatach i prowizjach, które nie są limitowane.

Urząd Ochrony Konkurencji i Konsumentów prześwietlił w połowie roku opłaty pobierane przez pożyczkodawców. Nie znalazł firmy, która nie naruszyłaby praw konsumentów. Urzędowi najbardziej podpadły dwie - PKF Skarbiec oraz Baltic Money - wyłudzające prowizje. Pobierały od ludzi opłatę przygotowawczą, ale pod byle pretekstem nie wypłacały pożyczki. PKF Skarbiec w pierwszym półroczu 2012 r. na kilka tysięcy zawartych umów przedwstępnych właściwe umowy podpisał tylko w ok. 2,5 proc. przypadków. Ludzie tracili po kilkaset złotych.

Kto zbiera baty za Amber Gold?

Ministerstwo Finansów od blisko roku pracuje nad przepisami regulującymi działalność firm pożyczkowych (zmiany w ustawie o nadzorze nad rynkiem finansowym i ustawie Prawo bankowe). Resort zaproponował w sierpniu, by firmy pożyczkowe wpisywać do specjalnego rejestru, choć nie sprecyzował, kto miałby go prowadzić (wymienia się KNF lub UOKiK).

Firmy miałyby też obowiązek sprawdzać w rejestrach dłużników, czy ich klienci spłacają dotychczasowe długi. Jeśli nie, nie powinny udzielić im pożyczki, bo wpędziłyby klientów w jeszcze większe problemy.

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