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Date: 5 months ago   Category: Realty

It will be more difficult to receive a mortgage with a low initial contribution?


Since 2019 the Central Bank can increase risk coefficient on such credits. The greatest concerns to the regulator are caused by a mortgage with an initial contribution from 10% to 20% of the Photo: Alexander Ryumin/TASS the Central Bank wants to toughen requirements to a mortgage. The director of the department of financial stability of the Central Bank Elizabeth Danilova has reported about it at a forum of Association of banks of Russia. It will become more difficult to receive a mortgage with a low initial contribution to consumers. Now nearly a half of the credits is issued with a contribution lower than 20%. Since the beginning of year the regulator has begun to demand more capital for such loans, having increased risk coefficients. According to the Bank of Russia, about 3% of borrowers take consumer loans for payment of the first contribution for a mortgage. The share is low, but the regulator has pricked up the ears and since October 1 wants to oblige banks to count an indicator of a debt load of the borrower. The reason of concern the Chairman of the Committee of the Association of Russian Banks, the president of national League of mortgage brokers Vladimir Lopatin:vladimir Lopatin the Chairman of the Committee of the Association of Russian Banks, the president of national League of mortgage brokers "Explains this absolutely correct decision. In general, it is accepted already, probably, half a year ago. Really, on the credits with the lowered initial contribution the raised load of the capital. Another thing is that it not for all banks is critical. We have main players of the market with a large supply, at least state banks with a large supply on the capital. Therefore, in my opinion, it especially has frightened nobody. Around the world the credits with a low initial contribution belong to the subprime-credits, that is the credits non-standard. As for risks, we in 2008 became witnesses of the global financial crisis on which the subprime-credits have pushed. As for consumers, of course, it will concern someone: not all have 20% for an initial contribution though it is a little. In Germany, for example, less than 40% aren't allowed. I think that it won't have significant effect on the market — neither on creditors, nor on borrowers". Because of sharp fall of income as a result of economic downturn in the country the population is strongly loaded with debt now, and the decision of the Central Bank, though true, essentially won't solve this problem, the financial ombudsman Pavel Medvedev:pavel Medvedev the financial ombudsman "The typical complaint of holders of a mortgage loan considers now I became such: I on a mortgage pay to the day, there were no ten years of any delay, but is forced to take the retail credits in time to pay on a mortgage, has gathered already so much, and following me don't give. Help to take the following credit. I suspect that the bubble because citizens who took for a long time were impressed by growth in incomes is formed, and then it has suddenly turned out that income not only has ceased to grow, but began to fall. As I was told by one police officer, he began to receive a naked salary. Before he always got awards, extra charges and so on. It has stopped. Matter in such fundamental reason: people have incorrectly estimated dynamics of the income. Central bank,

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