Auto-rear on loans: what you need to know and how the conditions will change compared to September 1, 2025

The note that the self-dossted has been established is now reflected in the Credit Stories Bureau (BKI) database. The prohibition to receive loans and loans established by the customer is compulsory for banks.

It is important to consider that such a ban only applies to consumer loans (including microlaves), but does not apply to a mortgage, car loans and educational loans.

2 types of auto-ediment are provided: full and partial.

When setting Full prohibition It will be impossible to obtain a loan in credit and microfinance organizations during a personal visit, via the Internet and by phone.

HAS Partial prohibition A person himself chooses the organizations to which the prohibition will apply – credit and / or microfinance and what method of obtaining a loan – in person and / or remotely.

First of all, to protect against crooks.

To make a loan or microloar, the crooks must call the code from SMS. For this, the crooks often resort to deception (for example, “you will find a package by mail, name the code”) or act by social engineering (“your son is in difficulty, take a loan and transfer money”) – Do you remember these calls?

In the future, with the help of social engineering tools, the crooks are trying to withdraw money from the victim.

In this case, it is always possible to delete the self-prophet (I tell you more in detail).

However, the withdrawal of the prohibition will begin to operate the next day. This is a kind of “cooling period” – time for respite to avoid an impulsive decision or continuation of the script specified by crooks.

Second line, the ability to use such a “cooling” period can be interesting for those who are subject to spontaneous decisions. In this case, an additional day appears when you can think if this loan really needs or not.

In third place, this tool can be useful for elderly parents who actively use phones and can, for example, without fully understanding in a loan, buying a fairly heavy bank product. In this case, the probability of contacting other family members to obtain aid to eliminate auto-embrace increases. And the family will be able to react in a timely manner to the situation.

Here, the law is on your side: if a bank or a microfinance organization has ignored the prohibition, then it does not have the right to request a refund and penalties on your part. The loan will be considered to be issued in violation of the law, then there is no obligation not to return it. This defense is only valid when the car has been set before the loan date.

To contest the issue of a loan, it is necessary to take a number of measures:

A person cannot establish self-rear soil only compared to himself.

If you want your loved ones to be safe, you can tell them about such an important tool and help you organize the raid. Helping adult members of their family to establish such autonomous soil is one of the new forms of concern for the well-being of loved ones.

Everything is simple, but not as instantly: