March 30 12:38
From April 1, 2026, regulations regulating the installment plan market will come into force in Russia.
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Thus, now all operators providing such a service are required to enter a special register of the Bank of Russia. In addition, if the amount of liabilities exceeds 50 thousand rubles, information about the transaction will go to the credit history bureau and will be taken into account when assessing the debt load.
The law prohibits sellers from inflating the cost of goods when buying in installments. The price tag will be the same regardless of whether the buyer pays immediately or decides to take advantage of the deferment. Hidden interest and commissions, which were previously disguised as differences in prices, are excluded, writes Om1 Novosibirsk.
The maximum installment period will be six months. From 2028, this period will be reduced to four months. For late payment it will not be possible to charge more than 20% per annum of the debt amount.
Operators were prohibited from charging clients a commission for the service itself or for making payments, as well as imposing additional services.
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