Savings laid the crisis in the interestSavings rate changes on consumer credit: the upper limit has risen to 1.5%. Interest on loans increased in the longer term, for short - are reduced. Standard banking practice the opposite. State Bank saw the signs of the crisis and preparing to advance to it, economists say. Other banks specializing in consumer loans, will follow.Sberbank, Russia's largest state bank, raised the limits on interest rates on consumer loans in rubles and foreign currency. For
a loan without collateral and guarantees for up to five years in the
ruble interest rate is now 16-23,5% per annum above the fork was 18-22%.
Delta
rate on the loan under the guarantee of ruble is now 15,5-22,5% per
annum (previously 17-21%) in foreign currency - 12,5-19,5% (previously
14-18%).Thus, the maximum upper limit of lending rates on consumer loans rose by 1.5%.
In the Savings Bank specified that the rate of increase in loans for a longer period, for short - are reduced. Standard banking practice the opposite - short quick loans more expensive than long-term. Banks are at increased risk in the mortgage rate.General Manager of "Interfax-CEA" and a member of the Board of Directors of the Savings Bank Michael Matovnikov acknowledges that the short rate is normally higher than loans, but "in this case the change in interest rates - a method of differentiation of risk." The approved method for determining the quality of the borrowers can earn the most reliable, giving them a discount on a short loan Matovnikov sure.Get online commentary in the Savings Bank failed.State Bank saw the signs of the crisis and advance to prepare for it, does not exclude the Vice-President, Russian Union of Industrialists and Entrepreneurs (RSPP) Alexander Murychev. "To develop consumer lending is very risky. Incomes of the population stagnating, even declining. Proposal for loans is growing, "- he said.According to the Bank, in the first half payable on loans rose from 300 billion to more than 310 billion rubles.But the increase in the share of overdue loans of loans is reduced. On January 1, 2012 the share of arrears was 5.24%. As of June 1, the proportion of non-performing loans declined to 4.9%."It's pretty risky segment. Reducing the range of interest rates on loans says both about the prospects of growth in this segment, and that increases the risk of state bank "- Accepts credit analyst at ING Bank Egor Fedorov."We expect further increases in interest rates, as in the banking sector exacerbated fears about the deteriorating situation with liquidity" - Jason Harvits cautious, senior analyst at Alfa Bank. According to him, "talking about a crisis too early, but the liquidity situation difficult."Despite the declared rate reduction on short loan, the effective rate on them can grow, experts say. "Savings Bank said that rates would be set individually within the announced range. In other words, the bank can increase the effective interest rate on loans issued depending on the client's credit history and other characteristics "- says Fedorov.Other banks that specialize in consumer credit, can follow the state bank, sure Murychev.
-------------------------------------------------- --------------------------What is the concern of the citizens and the state! You all right? Do you have a crisis, they say? So we will help you to survive the increasing cost of credit!
The very increase in interest rates in times of crisis or on the basis of any representations about the crisis indicates a monopoly on trade with money. During the crisis, in terms of the existence of free-market loans, ie truly free banking system, loans are getting cheaper, since the average rate of profit falls and profitability throughout the economy. But in Russia they are getting more expensive!Monopoly in the banking industry an unprecedented and disastrous for Russia, which stems from the dual approach to banking, when banks stand in line for additional liquidity, or state aid, they all point to the need for their economy, the country and people (which is doubtful in the as they exist), and when money is needed for citizens, businesses, the bankers say they are a private corporation and are free to set interest rates on loans.The double standard approach to organizing economic life should be eliminated with a hot iron and direction, if we proceed from the interests of the country and all citizens must be taken to nationalize the entire banking sector.The bank should be, or the public and industry to provide financing for the country and its people, or, at worst, a private, deprived of any opportunity to monopolize the money market.During the crisis of 2008, we have repeatedly observed how European bankers refused bonuses and prizes, as manufacturers have written an appeal to their governments to increase taxes on them, for the sake of economy and state, but here we are seeing is absolutely the opposite, anti-social approach.In a crisis, which has yet to assume we have more obderem - explain to us the leaders of the State Bank. And do not you go, because you need prigonyat us. Benefactor!! Fathers of the commanders and the defenders of Motherland! Thank you for caring!
In the Savings Bank specified that the rate of increase in loans for a longer period, for short - are reduced. Standard banking practice the opposite - short quick loans more expensive than long-term. Banks are at increased risk in the mortgage rate.General Manager of "Interfax-CEA" and a member of the Board of Directors of the Savings Bank Michael Matovnikov acknowledges that the short rate is normally higher than loans, but "in this case the change in interest rates - a method of differentiation of risk." The approved method for determining the quality of the borrowers can earn the most reliable, giving them a discount on a short loan Matovnikov sure.Get online commentary in the Savings Bank failed.State Bank saw the signs of the crisis and advance to prepare for it, does not exclude the Vice-President, Russian Union of Industrialists and Entrepreneurs (RSPP) Alexander Murychev. "To develop consumer lending is very risky. Incomes of the population stagnating, even declining. Proposal for loans is growing, "- he said.According to the Bank, in the first half payable on loans rose from 300 billion to more than 310 billion rubles.But the increase in the share of overdue loans of loans is reduced. On January 1, 2012 the share of arrears was 5.24%. As of June 1, the proportion of non-performing loans declined to 4.9%."It's pretty risky segment. Reducing the range of interest rates on loans says both about the prospects of growth in this segment, and that increases the risk of state bank "- Accepts credit analyst at ING Bank Egor Fedorov."We expect further increases in interest rates, as in the banking sector exacerbated fears about the deteriorating situation with liquidity" - Jason Harvits cautious, senior analyst at Alfa Bank. According to him, "talking about a crisis too early, but the liquidity situation difficult."Despite the declared rate reduction on short loan, the effective rate on them can grow, experts say. "Savings Bank said that rates would be set individually within the announced range. In other words, the bank can increase the effective interest rate on loans issued depending on the client's credit history and other characteristics "- says Fedorov.Other banks that specialize in consumer credit, can follow the state bank, sure Murychev.
-------------------------------------------------- --------------------------What is the concern of the citizens and the state! You all right? Do you have a crisis, they say? So we will help you to survive the increasing cost of credit!
The very increase in interest rates in times of crisis or on the basis of any representations about the crisis indicates a monopoly on trade with money. During the crisis, in terms of the existence of free-market loans, ie truly free banking system, loans are getting cheaper, since the average rate of profit falls and profitability throughout the economy. But in Russia they are getting more expensive!Monopoly in the banking industry an unprecedented and disastrous for Russia, which stems from the dual approach to banking, when banks stand in line for additional liquidity, or state aid, they all point to the need for their economy, the country and people (which is doubtful in the as they exist), and when money is needed for citizens, businesses, the bankers say they are a private corporation and are free to set interest rates on loans.The double standard approach to organizing economic life should be eliminated with a hot iron and direction, if we proceed from the interests of the country and all citizens must be taken to nationalize the entire banking sector.The bank should be, or the public and industry to provide financing for the country and its people, or, at worst, a private, deprived of any opportunity to monopolize the money market.During the crisis of 2008, we have repeatedly observed how European bankers refused bonuses and prizes, as manufacturers have written an appeal to their governments to increase taxes on them, for the sake of economy and state, but here we are seeing is absolutely the opposite, anti-social approach.In a crisis, which has yet to assume we have more obderem - explain to us the leaders of the State Bank. And do not you go, because you need prigonyat us. Benefactor!! Fathers of the commanders and the defenders of Motherland! Thank you for caring!
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