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消費者金融のおすすめポイント【賢くキャッシングする方法とは？】

その内容とは、大まかにいうと、一定の条件を満たす貸金業者を 認可貸金業者 と認定し、その認可業者に限って、上限金利を貸付金額に応じて15 20%に制限している利息制限法の適用から外すというものです。 これは2010年まで有効だった29.2%に戻すことが主な狙いであり、また、個人の総借入額を年収の３分の１以内に制限する 総量規制 からも除外されます。 要するに 上限金利の引き下げ や 総量規制の導入 といった小口金融市場に対する過剰な規制を見直すことによって、利用者の利便性を確保しよう として規制の緩和を検討する動きが出てきたのです。 しかし、この 適正な規模の小口金融市場の実現と真の返済困難者の救済 という公約については 賛否両論。 総量規制の導入により、借入れ限度額は 年収の3分の1以下 となり それにより、必要な時にお金が借りられず、さらに生活が圧迫される人も出るのではないかと、考えられていました そうした状況により、かえってヤミ金が増え やむなくそれに走る人も出てくるのでは との不安の声が施行直前から上がっていました。

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