In the financial market growth of mortgage offers and even consumer credits which almost were not offered recently by banks became swept up.
Such point of view was stated in the comment of many financial experts. As they said, during the period the tendency to crediting resumption from November, 29th till December, 3rd has proceeded. More actively banks credit motor transport acquisition. On the end of last week a condition of car credits there was the following: an initial contribution in limits from 10 % to 50 % from car cost; a crediting period – till 7 years; the interest rate 1 year fixed with a crediting period – from 10,5 % to 16,5 % annual; 3 years – from 16,5 % to 26,75 % annual; 5 years – from 19 % to 22,44 % annual. The floating rate is fixed for the first year of crediting and is in limits from 12,3 % to 18,4 % annual. Front end fee at credit injection is from 1,5 to 3 % from the sum.
As they have noted, credits for property acquisition are now offered on such conditions: the interest rate of 18,0 %-28 % annual, a crediting period – 5-10 years, with prepayment not less than 30 %, meets – 40 % from property value is more often.
The expert has informed that under credits for the consumer purposes it is possible to allocate some kinds. Under mortgage security on the following terms: term till 5 years, in the size which is not exceeding 40 % from a value of collateral, under the rate of 22-26,25 % annual. On the security of the deposit: on deposit period of validity, under the rate +3 – +6 % annual to the deposit rate in case the deposit placed in national currency, + 5 % – +11 % for liens in the form of the deposit in a foreign exchange.
Crediting of participants of own salary projects is offered for the term of 1-2 years, at a rate of 3-5 salaries, under the real rate of 30-40 % annual. Thus many banks even under credits establish the additional commission for withdrawal of money from the card account at the rate from 1 to 2,5 % from the removal sum. It considerably increases real value of the credit.
According experts, despite increase in quantity of the credit proposals, an essential gain of credits of physical persons still is not observed. Rates of settlement of credits while exceed rates of their issue. Most likely, crediting growth considerably will increase only next year.
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