photo: AGN “Moscow”
According to the representative of the Central Bank of Russia Dmitry Tulin, the growth of retail lending – an objective process, it should not be banned. However, the Central Bank is alarming, the rate of this process, because in a financial trap unable to get people and banks. “We will carefully monitor this,” said he.
Thus, in the first quarter of this year Russians took 1.9 trillion rubles of credits, most of them (1.05 trillion) is earmarked unsecured loans. Total issuance of retail loans for the year increased by 16%, and the mortgage is only 3.5%, according to “Vedomosti” with reference to Frank RG.
According to experts, banks try to earn maximum clients, handing out loans in the long term. “The memory of the problems of 2014 was short. People seeing a low monthly payment, low rate and long term, gaining a large loan. This is a very dangerous loans that can lead to a payments crisis in the medium term”, – said the first Deputy Chairman of the Board of Sovcombank Sergei Khotimsk.