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Date: 2 months ago   Category: Russia

Central Bank: The risk coefficient for a mortgage with the first contribution less than 20% can rise up to 200%


Central Bank: The risk coefficient for a mortgage with the first contribution less than 20% can rise up to 200%
The director of the department of financial stability of the Central Bank of Russia Elizabeth Danilova has told that the Central Bank can increase risk coefficient for mortgage loans to 200 percent since January 1, 2019. Such measures will be taken for mortgages with an initial contribution less than 20 percent from total amount. The head of department has told about it at a forum of Association of banks of Russia. At the moment the coefficient remains at the level of 150 percent. According to researches of the Central Bank, for more than half a year nearly a half of mortgage lending is given on the terms of a ratio of a total debt to an initial contribution to 80 percent. At preservation of this tendency the regulator will provide increase in coefficient of danger for 50 percent. Earlier the Bank of Russia has established coefficient on the level of 150 percent for the credits with the first contribution less fifth part of total amount which were issued after January 1, 2018 in rubles irrespective of mortgage size. For mortgage loans with an initial contribution less than 10 percent with the same conditions risk coefficient size in 300 percent has been established. The XVI International bank forum "Banks of Russia — the 21st Century" for which organization the Association of banks of Russia is responsible takes place in Sochi from September 5 to September 8 the current year. The action is created with assistance of the International Monetary Fund and the World Bank. At a forum current problems of the banking sector of Russia and influence of global economic changes on the country will rise. In "Banks of Russia — the 21st century" take part heads of the Bank of Russia and the federal ministries, members of the Federation Council and deputies of the State Duma, representatives of the largest international banks.
of fapnews of Anastasius Ivanov Today, 15:20 0

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