Chisinau, 4 April /MOLDPRES/- Lending institutions will be required to display the annual effective interest rate, ie the actual interest rate of the loan, plus all related fees, three times higher than other information mentioned in the advertisement, so that citizens are properly informed, the government's communication and protocol department has reported.
To increase the level of protection for consumers who take out loans and increase confidence in the financial sector, the Executive today approved the opinion on the draft law amending and supplementing some normative acts.
The bill also imposes minimum standards for responsible lending, by banning the application of floating interest rates on loans of less than three average salaries per economy.
At the same time, some provisions of the Civil Code are to be amended, so that credit institutions are required to notify the debtor (consumer) in electronic format in case of reduction of the interest rate applied by the bank for new loans, so that the beneficiary can renegotiate the credit agreement, depending on the fluctuations of the average interest rate on the banking sector.
Photo: Government
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