Date: 7 months ago   Category: Winter

It will become more difficult to receive a mortgage


Intention of the Central Bank to toughen requirements to the capital of the banks issuing mortgage loans with a low initial contribution will exert positive impact on their solvency, but will increase "an entrance threshold" to a mortgage: to issue a loan, having the small sum of own means, it will become heavier. It is written by Kommersant with reference to a research of Moody's Investors Service. Seeking to make less favorable delivery of risky mortgage loans with a low initial contribution (from 10 to 20 percent), since 2018 the Central Bank has increased risk coefficient when calculating the capital from 100 percent to 150. The other day the bank announced plans to increase since 2019 this coefficient to 200 percent, notes the edition. According to analysts of Moody's, such measure will increase solvency of banks. At the same time in the greatest way she will influence creditors with an essential share of a mortgage in portfolios - it is DeltaCredit, Absolyut-bank, Center-Invest, "Transcapitalbank" and others. Materials on teme00:03 — For чертойВ Russia are on September 11 a mortgage on inexpensive housing. About her nobody not znayetbankira, in turn, believe that the next toughenings from the Central Bank will lead to decrease in availability of a mortgage to the population. In DeltaCredit have said to the edition that rates on the credits with a low initial contribution will be forced or to raise banks, or to establish the minimum contribution at the level of 20 percent. Thus "the entrance cost" to a mortgage will increase approximately on a third, the representative of bank noted. Today it became known that representatives of the Russian banks from top-15 on delivery of a mortgage wait for increase in average rates on the housing credits up to 10-10,5 percent within a year. Will promote their growth instability in the financial markets and possible increase in a key interest rate of the Central Bank. It is more than important news in Film of Day Telegram-channel. Subscribe!

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