Cusano admits that she has learned that children hand out loans and sell them goods on credit, from applications received from the regions. Microloans are issued to minors, they are issued a cash receipt. In installments through stores minors buy smartphones, tablets, accessories and other equipment. In judicial practice there are cases when children and adolescents are betting on sports.
According to Kutepova, under the Civil code, minors aged fourteen to eighteen years may conduct transactions with the written consent of their lawful representatives – parents, adoptive parents or guardians. This minor the right to conduct small everyday transactions in its sole discretion without the consent of legal representatives. The problem is that the law never defined what a small everyday deal. This legal loophole and are lenders and sellers. After all, do minors have parents and relatives, which ultimately have to answer for the obligations of children and adolescents.
“the Situation in families is very different. Imagine how it may affect the family’s budget from such an unplanned benefits?” notes Kusano.
Senators propose to specify in the law that minors can not issue loans. “Minors in age from fourteen to eighteen years of age… has no right to make transactions, which result in loan commitments…”, – stated in the text of the bill.
adds Cusano, because of their age they can not fully aware of all the conditions of the loan agreement and consequences of its conclusion. However, the legislators propose to allow minors to education loans. In the case of the bill will increase the social security of families, note the authors. It is not excluded that it was supported by other senators and deputies of the state Duma.
In 2019 in the United credit Bureau has estimated that banks in the two and a half times more often began to issue credit cards to borrowers over the age of 18 years. The average amount of one loan for young people amounted to 20 thousand rubles.
