Photo: zel-life.ru
MOSCOW . At the last meeting with the head of the Central Bank of Elvira Nabiullina, representatives of the department of banking regulation of the Central Bank and the Ministry of Communications banks were allowed access to the database of the Pension Fund of the Russian Federation in the spring of 2015 to obtain information on the income of the borrower, – according to “Izvestia».
If you want a loan citizen after contacting the bank will receive from him a proposal to provide an extract from the individual account to the FIU for the decision to grant the loan. If the client is registered on the portal of public services, it will be able to request their own statement. Based on this, and after checking the passports of the borrower bank decides on the amount of the loan and the interest rate on it. Procedure for sending and receipt of the statement takes from five to seven minutes.
If the citizen is not registered on the portal of public services, the bank employee checks the identity of the client on the passport and on the basis of his name and the document data is the primary registration of physical persons. Registration procedure will fix the act of the government, which, like the registration service, develop and prepare the Ministry of Communications.
«Such a scheme would allow citizens to use electronic statement issued by the FIU to obtain loans on more favorable terms, and banks – to reduce credit risks. FIU relieve client services, the Ministry of Communications will register new users in the ESIA. By 2018, 70% of the citizens must be connected to electronic services “, – said the source publication.
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