Обязательна ли страховка при кредите

Обязательна ли страховка при кредите

Посредством страховки банки снижают риски невозврата долгового обязательства. Поэтому во многих профильных коммерческих структурах данная дополнительная услуга предлагается параллельно с кредитными продуктами. В одних случаях без нее невозможно заключение договора займа, а в других – приобретается на усмотрение самого клиента. В любой ситуации оплата производится за счет заемщика. Соответственно, у многих граждан возникает логичный вопрос – обязательна ли страховка при кредите? Однозначно ответить на этот вопрос невозможно, так как в разных случаях используются отдельные законодательные нормы. Поэтому все ситуации стоит рассматривать обособлено.

Личная страховка заемщика

Банки не вправе требовать ее приобретение, как одно из обязательных условий для выдачи займа. Это оговаривает сразу два нормативных акта. Первый – часть 2 статьи 16 Закона РФ «О защите прав потребителей». Он гласит, что нельзя обусловливать возможность приобретение одних услуг, в частности, по кредитованию, оплатой других, например, страховки.

Второй – статья 927 Гражданского кодекса Российской Федерации. Она обусловливает, что личное страхование может быть обязательным только в определенных случаях. Рассматриваемый вариант в них не входит. Поэтому по закону коммерческие структуры требовать ее при кредитовании не могут.

В то же время стоит учитывать, что запрет на обязательное приобретение дополнительной услуги не исключает право банка на изменение процентной ставки, и, как следствие, итоговой переплаты, в зависимости от ее наличия или отсутствия. То есть кредитор может увеличить комиссию за пользование заемными средствами, если нет личной страховки.

Данный факт всегда стоит учитывать. Ряд банков использует его. Причем сразу в двух вариациях.

1. Итоговая переплата. Повышение ставки более значительно в денежном эквиваленте, чем стоимость приобретенной дополнительной услуги. Поэтому стоит произвести предварительный индивидуальный расчет – какой из вариантов более выгоден. Здесь важно не просто сравнивать разницу процентов, а учитывать дополнительные факторы. Например, график погашения, желание и возможность досрочной оплаты и т.п. То есть сопоставляется возможная итоговая переплата именно в денежном эквиваленте по обоим вариациям.

2. Одобрение займа. Указывать отсутствие страховки в качестве основания негативного решения не будет ни один банк. В то же время, как и отмечалось ранее, наличие данной услуги снижает риски. Поэтому именно повышенную вероятность невозврата долга может отметить кредитор. Соответственно, при не самом лучшем рейтинге заемщика, незначительном уровне дохода и т.д. все же стоит приобретать страховку. Иначе можно вообще не получить деньги в долг.

Страхование залога

Данный тип рассматриваемой услуги коммерческие структуры могут включать в программу кредитования, как обязательное требование для выдачи займа. Такое право предоставляет пункт 1 части 1 статьи 343 Гражданского кодекса Российской Федерации. Поэтому отказ от этой страховки, если деньги в долг будут браться с предоставлением обеспечения в виде недвижимости или транспортного средства, вполне на законных основаниях может спровоцировать негативные последствия. Например, отрицательное решение по заявке, применение неустойки, возникновение права требования полного досрочного возврата кредита.

Здесь так же практика немного отличается от законодательных требований. Некоторые банки предоставляют заемщику самостоятельно выбирать – оплачивать страховку залога или нет. Понятно, что речь идет о КАСКО, если под обременение будет попадать автомобиль, и страховании жилого помещения, например, от пожара, в случае обеспечения долга недвижимостью.

Достаточно часто такой шаг является исключительно маркетинговым. То есть для привлечения внимания клиентов. Ведь приятно взять деньги в долг без дополнительных затрат. Особенно, если речь идет о дорогостоящей КАСКО. Хотя, независимо от варианта залога, как и при покупке личной услуги заемщика, стоит детально рассчитать выгоду. Многие банки повышают ставки настолько, что разница на переплате больше, чем стоимость страховки. Правда, не всегда.

Итог

Сама по себе страховка залога является достаточно полезной услугой. Ведь в случае какого-либо происшествия, с самим заемщиком или предоставленным залогом, она покроет остаток задолженности. Соответственно, у клиента не будет долгового бремени. Особенно это актуально, если получен статус нетрудоспособного, и выплачивать займ попросту нечем. Поэтому задаваться вопросом – оформлять страховку или нет, стоит только в крайних случаях. Например, когда ежемесячные платежи с данной услугой становятся обременительными для личного бюджета.

В то же время стоит учитывать указанные выше нюансы. Банк может сделать попросту невыгодным предложение без страховки. Соответственно, ее приобретение позволит не только сэкономить на переплате, но и оградить себя от возможных неожиданных жизненных происшествий. Хотя, каждый случай индивидуален. Он зависит от выбранной программы кредитования, необходимой суммы займа, его срока, стоимости дополнительной услуги, увеличения процентной ставки, если клиент отказался от нее, и т.п. Поэтому требуется персональный расчет.

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