Izvestia: the total cost of consumer loans increased to 37%

Since February, the figure has risen by 1.5 percentage points. The increase in the cost of the loan occurs against the background of maintaining the key rate at 21% at the meeting of the Central Bank of the Russian Federation on February 14. For the second month of this year, real rates increased at six banks from the top 15 – PSB, ICB, Uralsib, MTS Bank. In turn, Gazprombank and Alfa-Bank reduced interest rates on loans. According to the newspaper, the minimum PSK is now 29%, the maximum is 44%. Most often, Russians take a loan for a period of two years for an average amount of 120 thousand rubles. At the current rate of the Central Bank of the Russian Federation overpayment on it will be about 40 thousand rubles. The cost of loans is determined by many criteria, including interest rate risks and operating costs of credit institutions. The increase in the key rate is also one of them, the publication notes. “Banks are now seeking to maintain or increase the interest margin on retail loans. Since November 2024, they have attracted a considerable amount of expensive liabilities, which are now quite difficult to recapture, economist Andrei Barkhota said. According to Yuri Belikov, Managing Director of Expert RA rating agency, PUK will continue to grow further, as the growth of loan rates increases the risks of non-payment, which means that the bank will increase the prices of future loans to compensate for the risk of previous ones. Earlier in Russia came into force the law on establishing a self-prohibition on the issuance of loans. Thus, when trying to issue a loan, banks and microfinance organizations will receive a notification from the credit history bureau about the ban on issuing a loan to one or another Russian. Self-prohibition cannot be imposed on previously issued funds, mortgages, educational loans and a number of other loans.

Reagiere auf diesen Beitrag

👍 0 ❤️ 0 😂 0 😮 0 😢 0 😡 0

Подписаться на NX Россия

🔗 Share

Facebook X (Twitter) WhatsApp Telegram LinkedIn WeChat VK LINE KakaoTalk Reddit Pinterest E-Mail