ПУПС позива кредитно задужене грађане да инстистирају на одредби Закона о заштити корисника финансијских услуга којом се гарантује обрачун стране валуте по средњем званичном курсу
Поводом ступања на снагу Закона о заштити корисника финансијских услуга, ПУПС посебно поздравља члан 34. Закона којим ће бити прекинута пракса да се приликом наплате рата кредита или лизинга индексираних у страној валути, користи највиши курс, који банке одређују по сопственом нахођењу.
С тим у вези, ПУПС инсистира да се обезбеди да се наплата овако индексираних кредита и лизинг уговора по званичном средњем курсу убудуће односи не само на нове, већ и на раније склопљене уговоре.
Страхујемо да би селективном применом одредби Закона о заштити корисника финансијских услуга била настављена досадашња дискриминаторска пракса банака кроз наплате кредита и лизинга по највишем банкарском курсу, који је неретко и за три динара изнад средњег званичног курса.
ПУПС позива све кориснике финансијских услуга, који су раније склопили своје уговоре о кредиту или лизнгу, да инсиситрају да им се обавезе убудуће индексирају по средњем званичном курсу и да траже да се то, у форми анекса, унесе у њихове уговоре. На тај начин уштедеће значајна средства, а банке спречити да, кроз праксу наплате рате по највишем курсу, настављају да убиру екстрапрофит.
Примера ради, разлика у плаћању рате кредита од око 300 евра, применом званичног средњег курса, у односу на досадашњу праксу обрачунавања по највишем банкарском курсу, могла би да буде и до 1.000 динара на месечном нивоу. На годишњем нивоу то би била уштеда од најмање 100 евра.
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