It is curious why someone in Parliament thinks that the fees for management, implementation, etc., which are currently collected, will continue to be calculated in one way or another and after the adoption of the bill? Whether you say the fees for additional services or will be included in the interest [1] is not particularly important. It is clear that the bank will find one way or another to compensate their administrative costs of handling and managing credit and recording of such a text, which prohibits certain fees, is as naive by the legislature, and so unnecessary.

Banks will not be allowed to enroll in a mortgage clause due penalty rate for early repayment of the loan by the borrower if the repayment occurs at least 12 months after the loan. After the transposition of the European Directive on consumer credit banks were deprived of the possibility to charge penalty interest for early repayment of consumer loans.

The new texts, as published, has already done for mortgage loans. The question is how can equate these two types of credit (consumer and mortgage), provided that the latter are generally more long-term and for larger sizes. I.e. for mortgage loans generally talk about long-term commitment of the bank. The meaning of penal interest is on one hand to cover the costs of bank recruitment and securing long-term financing for the loan (this resource can come from deposits or long-term loan to the bank from the parent bank / bank syndicate), the other – at least partly to compensate for lost income for the bank from the early repayment of the loan.

And now some banks do not charge a penalty interest rate for early repayment, but it is their decision and is the result of strong competition in the sector. Market logic implies that the borrower will choose the loan that, in terms of its intentions (prepayment or payment to maturity) will be most advantageous for him / her. Any such gross interference in the pricing of credit by the bank may again lead to only one thing – an appreciation of the loan (ie higher interest and other charges) with which to compensate for the risk of early repayment.