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Interest Rates on consumer loans are rising, and banks are getting tougher approach to the selection of borrowers. If you used to live in debt or you already have several loans, it's time to start to reduce the debt.
to take money in debt, is now required to provide the Bank with passport and certificate of employment. If we are talking about a small amount, often such information for the Bank is sufficient. However, usually the Bank may ask: if everything is okay with your credit history? By law this should only occur with the consent of the debtor (for example, if when applying for the loan you put a tick in the relevant paragraph). If you find that you hang on outstanding debt, money you probably get. No matter, you knew about the outstanding debt or not. As practice shows, the delay may occur if, for example, a loan you have issued a fraud.
However, in the near future, banks can be the reasons for the refusal. For example, if you find that you have not one, but several loans. And the more you have to other banks, the higher the chances that you will be denied credit. Or will not increase the credit card limit.
it will depend on your personal index PTI (payment-to-income), or the level of credit load. It indicates how much income you spend on debt repayment each month. To use it to assess the future of the borrower, banks will start from 1 October this year. Also, the borrower will have to confirm the declared income. As explained Banks.Roux at the Central Bank, the debt burden indicator will be calculated for all loans (loans) (including secured and unsecured loans, including mortgage loans, auto loans, and also loans provided by Bank card, in particular on the terms of the overdraft) to the sum (limit) of 10 thousand rubles and above.
Now the law requires that the Bank warned the borrower about the risks if he borrows more than 100 thousand rubles and expenses for payment of other loans exceed 50% of its revenues. The same bar is expected to be installed and for smaller loans. This, in particular, said the head of the Duma Committee on Finance Anatoly Aksakov.
How can it work? Let's say you've decided to take a year in Bank of 50 thousand rubles. Based on the information on the portal.ru, now banks offer personal loans at rates of 10-12%. The total amount of overpayments will be about 53 thousand rubles and monthly payment — about 4,4 thousand rubles. Thus, it is enough to have monthly income in the amount of 10 thousand rubles. If you have other loans, then, in theory, the Bank must sum the monthly payment and estimate how much you have money. If you find that you are already spending over half their salary to repay the loans, you will be denied.
to obtain the waiver even if the payment is less than 50% of the monthly income, experts say. In fact, according to the regulator's requirements, for the customers "higher-risk" banks will have to create reserves. It is clear that bankers are unlikely to enjoy similar costs, so they will try to deny such borrowers. In fact, this is already happening: data from the credit Bureau show that the share of approved applications for loans in cash has dropped significantly. Denied approximately two out of three borrowers.
the most Likely number of failures will continue to grow. The Central Bank believe that the excess debt load of the citizens hinders the development of economy, therefore, gradually tightening the requirements for banks issuing consumer loans. The last increase in the regulations was in April. "Measures of the Central Bank preventive and effective. And a reduction in disbursements of loans illustrates this," says the Director of the Department of Analytics and content Banks.ru Sabina Hasanova. However, she said, the purpose of the regulator is not to turn off the "retail" generally, even unsecured, and to reduce the growth rate of loans. At least until then, until there is a real growth of incomes. The main pressure is on the "expensive" loans with high interest rates and the corresponding risk, experts say.
In March, the regulator reported that, according to estimates based on a survey of banks, the average debt level of borrowers is 42% in unsecured consumer lending and 47% in mortgage. While the debt burden of over 70% have only 12% and 10% of borrowers respectively. Usually it's either people with lower incomes, or those who solve the problem debts with new credit or receiving loans from microfinance institutions. It is possible that they will have to borrow at an increasingly high rate. Or begin to extinguish the debt, to reduce the load. According to Sabina Hasanova, loans has risen: in the first quarter of full cost of consumer loans with a maturity of up to one year went up by an average 1.3 percentage points, and longer — 0.6 p. p. With that, increased interest rates on loans for small amounts — up to 30 thousand rubles.
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