Russians talked about the effectiveness of self-locking on loans

According to a study by the financial marketplace "Compare", 76% of Russians positively assess the option of self-locking loans and loans. Already 14% of respondents have taken advantage of this opportunity, and 48% are considering using it in the future. Izvestia got acquainted with the results on July 18.

The main reason for installing self—locking is protection against unauthorized use of personal data (56%). Citizens are also afraid of becoming victims of fraud (26%) and want to better control their financial habits (15%). Another 3% of the respondents made the decision on the advice of their loved ones.

In addition, the majority of Russians (84%) believe that information about self—prohibition should be more widespread - this will help to combat financial fraud more effectively.

42% of Russians are confident that self-locking will significantly reduce the number of fraudulent loans, and 39% believe that it will partially help in the fight against financial crimes.

"The mechanism of self-locking on loans is becoming an important tool for financial self-protection of citizens in the era of digitalization. The high level of support for this measure shows the growing awareness of Russians of the risks associated with credit fraud," concluded Igor Korchagin, Head of Product at Credit Rating in Comparison.

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A service with the ability to prohibit the issuance of loans to oneself has been launched on the Gosuslugi portal since March 1. Those who have submitted such an application have a special mark in their credit history, in the presence of which banks and microfinance organizations must refuse a person in the case of a loan application.