Суд уравнял неподнадзорных кредиторов с банками и микрофинансистами

Компании, выдававшие ссуды под залог недвижимости, не могут начислять повышенные проценты по истечении срока договора, пишет «Коммерсант». Шестой кассационный суд общей юрисдикции подтвердил решения судов нижестоящих инстанций о том, что неподнадзорные ЦБ организации при выдаче ссуд под залог недвижимости должны соблюдать ограничения, установленные для профессиональных участников рынка. Такое решение кассационного суда может стать прецедентным для российского рынка.

Так, заемщик обратилась в 2015 году в компанию «Уфимский кредит» за займом суммой 0,83 млн рублей под залог имущества. Заем был взят на шесть месяцев под 4% в месяц (с договором страхования) или 8% в месяц (без договора). Всего заемщик должна была вернуть 1,025 млн рублей. Однако кредитор удержал сначала образовавшуюся неустойку, и, несмотря на выплату более 1,4 млн рублей, долг не был погашен и проценты продолжали начисляться. Требования по договору были проданы другой организации, которая в середине 2019 года обратилась в суд с иском о взыскании просроченной задолженности в размере 0,94 млн рублей и об обращении взыскания на заложенное имущество.

После обращения заемщика в региональную общественную организацию защиты прав потребителей «Форт-Юст» ею был подан встречный иск к кредиторам. «Форт-Юст» указала, что «лица, не являющиеся кредитными организациями и занимающиеся профессиональной деятельностью по предоставлению потребительских займов, не могут иметь преимущественное положение» по сравнению с банками и микрофинансовыми организациями (МФО). А значит, организация, выдающая заем под 96% годовых, «не вправе претендовать на получение заемных процентов за пределами срока, установленного договором».

Суд постановил не только отказать компании во взыскании дополнительных денежных средств и обращении взыскания на заложенное имущество, но и вернуть заемщику сумму неосновательного обогащения (185 тыс. рублей), а также заплатить штрафы (92 тыс. рублей).

По мнению юристов, суд фактически пресек недобросовестную практику, по которой нелицензированные организации пользовались противоречиями в действующем законодательстве и предоставляли гражданам займы под залог жилья и с установлением грабительских процентов. Так, судебные акты по аналогичным делам могут быть пересмотрены по новым обстоятельствам.

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