"Many banks are cutting consumer lending, as it involves great risks, which may increase further due to the adoption of the bill N9593», - said Chairman of the Board of VAB Bank Dennis Maltsev. Another reason for the decline in consumer lending is its high cost to customers.
Related article: Floating rates will no longer reduce the cost of mortgages"A significant increase in deposit rates in the autumn resulted in an increase and interest rates. As a result, mortgage loans, especially mortgages, in the current economic situation became too expensive for Ukrainians. The average rate on the market today amounts to about 20%, whereas it is believed that a mortgage can be a staple at a rate no higher than 15%. Mortgages are now taking except on the year when people need to just cut off the remaining amount on the sale of the old apartment and buying a new one, "- explained the head of OTP Bank's loan products Svetlana Spitsyn. She said the issue of car loans is reduced by about the same reason - because of high rates and high down payment. "And when a person is in the hands of 65-75% of the amount, it is often simply refuses dokreditovaniya a bank or takes money for a short period - no more than a year", - added Spitsyn. Bankers say that in the coming months, this trend may change as the pessimistic expectations of the market is gradually reduced, and the bankers even predict a loosening of monetary policy. Recall a recent Council began to consider the draft law "On consumer credit", which provides for the extension of rights of borrowers in dealing with banks, credit disputes.