Firmy pozabankowe – czy ktoś kontroluje parabanki

Firmy pozabankowe – czy ktoś kontroluje parabanki

Firmy pożyczkowe oferują dodatkowe wsparcie finansowe na warunkach innych niż banki. Przed zaciągnięciem pożyczki w instytucji pozabankowej należy dokładnie zastanowić się nad tym, czy warto, poznawać działalność firm pożyczkowych nie jest tak przejrzysta i jasna jak wydaje się na pierwszym rzut oka. Czy ktoś jednak kontroluje firmy pozabankowe?

Najpierw warto wyjaśnić czym są parabanki. Ta definicja używana jest w celu określenia przedsiębiorstwa, które świadczy usługi w zakresie pożyczania pieniędzy. Istnieje wiele parabanków, oferujących nielegalne usługi finansowych, na przykład lokatę. W przypadku udzielania pożyczek przez firmy pozabankowe jest to działalność dozwolona. Jednak niektóre usługi mogą świadczyć tylko banki i SKOKi.

Zasady działania parabanków

Usługi firm pożyczkowych skierowane są do osób, które dostały odmowną decyzję w banku lub warunki oferowane przez banki nie są atrakcyjne i wymagają wiele formalności. Zaletą firm pożyczkowych jest szybkość rozpatrzenia wniosku. Oprócz tego pożyczkodawca nie stawia zbyt wysokich wymogów do klienta. Wszystko odbywa się internetowo bez wychodzenia z domu. W przypadku przyznania chwilówki pieniądze przelewane są na konto wnioskodawcy w tym samym dniu. Do podstawowych zalet zaciągnięcia pożyczki w parabanku można zaliczyć:

  • ograniczone formalności;
  • aplikowanie online;
  • błyskawiczny przelew gotówki;
  • możliwość dopasowania kwoty i okresu pożyczki do własnych potrzeb.

Jednak oferta firm pozabankowych może być bardzo droższa od kredytów bankowych. Decyzja o zaciągnięciu zobowiązania należy tylko do klienta i jego możliwości finansowych.

Kontrola nad firmami pozabankowymi

Komisja Nadzoru Finansowego nie ma żadnego wpływu na firmy pozabankowe. Działanie pożyczkodawcy jest jednak analizowane i badane przez UOKiK. Podmiot ten nadzoruje firmy pożyczkowe pod kątem ewentualnych naruszeń prawa. Oprócz tego UOKiK sprawdza umowy pożyczki na obecność klauzul abuzywnych. Niestety klient nie może liczyć na ochronę  BFG, ponieważ instytucji finansowe nie są kontrolowane przez KNF.

Jak widać, nadzór nad firmami pozabankowymi jest dość ograniczony. Komisja Nadzoru często publikuje czarne listy takich instytucji oraz listy firm, które są godne zaufania klientów. Jednak konsument musi samodzielnie określić, czy wybrany produkt jest dla niego odpowiedni. Nie można tego przeanalizować bez dokładnej oceny warunków pożyczania oraz kosztów pożyczki.

Gdyby pojawiły się podejrzenia, że firma pożyczkowa zbiera od klientów lokaty, ale nie ma do tego prawa, KNF może żądać od pożyczkodawcy wyjaśnień. W przypadku potwierdzenia wątpliwości KNF jest uprawniony do zgłoszenia sprawy do prokuratury. To umożliwi szybsze wyjaśnienie przypuszczeń o złamaniu prawa przez firmę pożyczkową. Czyli rola Komisji sprowadza się do złożenia zawiadomienia do prokuratury gdy miało miejsce podejrzenie przeprowadzenia przez parabank nielegalnej działalności.

Limit kosztów pozaodsetkowych

Od niedawna zostały wprowadzone limity kosztów pozaodsetkowych. Wiele firm pozabankowych zrezygnowały z niektórych opłat. Do tej pory były limitowane tylko odsetki zobowiązania. Ich maksymalna wysokość nie mogła przekraczać 3,5%. Obecnie rozmiar odsetków wynosi 10%. Zgodnie z nowymi przepisami wysokość kosztów pozaodsetkowych nie może przekraczać 25%. Oprócz tego łączna kwota kosztów pozaodsetkowych nie może być większa jak 100% całkowitej sumy pożyczki. W przypadku braku spłaty kredytu wszystkie koszty należy zwrócić pożyczkobiorcę. Do wejścia w życie nowych reguł parabanki chętnie sięgały do dodatkowych kosztów w cenniku. Zgodnie z nowymi zasadami KNF otrzymała prawo do wszczęcia wyjaśniającego postępowania wobec firm, które budzą wątpliwości. Obowiązkiem pożyczkodawcy jest udostępnienie wymaganych dokumentów. Za utrudnianie firma pozabankowa może być ukarana karą w wysokości do 500 000 zł.

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