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Date: 7 months ago   Category: Realty

Why Sberbank raises mortgage rates?


The minimum rate on a mortgage loan for purchase of ready housing will reach the level of 9,2% per annum instead of former 8,6% of the Photo: Alexander by Ryumin/TASS It is updated in 16:28sberbank has raised the stakes on a mortgage. On average they are raised on 0,4-0,6 percentage points. In particular, the minimum rate on a mortgage loan for purchase of ready housing is 9,2% per annum instead of 8,6% now. "Increase concerns only again submitted applications" — note in bank. Recently at a meeting with the president Putin German Gref said that Sberbank intends to lower significantly within a year an average rate on a mortgage. Why Sberbank raises mortgage rates? The chief economist of Expert RA rating agency Anton Tabakh explains: Anton Tabakh the chief economist of Expert RA rating agency "Rates on a mortgage have grown rather naturally because rates at which banks raise funds have raised. If to notice, then rates on deposits have grown, the key interest rate of the Central Bank has grown, the rate on federal loan bond has grown. Respectively, banks not charitable institutions, and money for them are raw materials in some sense. Respectively, most likely, rates will continue to raise until the end of the year, and, maybe, at the beginning of the next year together with interest rates in economy and inflation, and then, with high probability they are stabilized, and there will even be some kickback". For certain also other credit institutions will follow the example of Sberbank, the editor-in-chief of the Банкир.ру portal Sergey Vilyanov:sergey Vilyanov the editor-in-chief of the Банкир.ру portal "Surely considers it will occur because those banks, in general, scoop long-term means from the general source. In principle, Sberbank has still the pillow the biggest in comparison with all others. Plus should be understood that the mortgage rate lately was really reduced very insignificantly. I remember if still only one and a half years ago 10% per annum were considered as very good percent, then here in the middle of this year, in the summer, it was possible to receive in the same bank 8%, under 8,5% therefore in mortgage loans people who not really can afford it began to be got involved. The quantity of mortgage loans with an initial contribution of 10%, 15%, and it from the point of view of banks very dangerous stories has sharply grown. It is necessary that it were people who have at least 25% or 30% of cost of the acquired housing. That is, unfortunately, a mortgage without having become, in general, absolutely available, again becomes more inaccessible for a considerable part of the population, than some hoped". At the same time few weeks ago the head of the Bank of Russia Elvira Nabiullina said that increase in a rate of the Central Bank can lead to decrease in a rate on a mortgage: "Mortgage loans — at us a rate really decreased. To the middle of summer of this year have reached a historical minimum, and growth rates rather high on mortgage loans. The analysis shows that it occurs because we keep inflation under control. Increase in a key interest rate is directed to holding инфляц

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