The new law will prevent bankers to lift rates about credits
Favorable forecasts of the head of the Central Bank Sergey Ignatyev about a condition of the Russian bank system bankers at the Moscow International forum have confirmed also.
65 percent of heads of the largest Russian banks estimate this condition, as “ stable “ has shown October poll of the international consulting company “ Ernest end Young “.
For some months of the Central Bank has lowered the rate of refinancing to 9,5 percent. It has allowed to lower mortgage loans on the average for 1,2 percent, - the head of Association of the Russian banks (ARB) Garegin Tosunjan has confirmed. Already many banks finance a mortgage under 10 percent. Their further decrease and even credit boom if banks receive " is expected; long “ money from pension and social funds. Such intentions, we will remind, the government has sounded last week. Bankers advise to the monetary authorities to refuse exchequer obligations of the USA (these are 28 percent of all international reserves of the Central Bank). Participants of a forum consider similar investments “ irrational investment “ also urge to put more than means in home market.
Meanwhile deputies of the State Duma have promised to support a course on renewal of credit boom by the adequate legislation. According to the committee-man of the State Duma on Arcady Svistunova`s financial market, the bill of consumer crediting is already ready - it in a definitive variant was prepared by the Ministry of Finance. In it the rights and duties as banks, and borrowers should be in details adjusted.
In - the second, the right of the credit organisations on unilateral change of interest rates and periods of validity of contracts is planned to limit. In - the third, deputies intend to make the amendments allowing to citizens ahead of schedule to extinguish credits without any sanctions from banks, as now. It has revolted bankers: norm “ worsens their interests “ and with a problem it is necessary to address “ very carefully “.
the bill minekonomrazvitija about bankruptcy of the physical persons, called to soften a fate of citizens - the debtors who have got to a difficult financial position has rigidly been apprehended also. It is not pleasant to a bank lobby that to citizens five years will allow to go bankrupt already, without repaying debts.
But on “ hurrah “ the initiative about obligatory registration of pledges of a personal estate has been apprehended. It is a question first of all of the account and control of cars. Has like clockwork passed also the bill of collecting of pledges on a mortgage, reducing terms of returning and realisation of such pledges for debts of mortgage borrowers. And here bank accounts of physical persons, most likely, will not be given as a deposit to banks, Arcady Svistunov though such idea and was has informed. Have not supported in the State Duma and the bill about strojsberegajushchih the cash desks, called to develop in Russia in alternative to a mortgage the mass market of habitation. The deputy has referred that “ it is necessary to create specialised banks with the separate licence that does not provide the operating bank legislation “. Surprisingly, but deputies till the best times and the bill of the educational credits, already passed the first reading have postponed. As Svistunov has told, now in several regions of Russia in this sphere experiment spends the government. Next year, only after are summed it up, the bill will be corrected.
By the way, by data “ Ernest end Young “ the overwhelming number of the interrogated bankers, plans, since 2010, expansion of the business: Expansion to regions, creation of new branches. Moreover, bankers, as a matter of fact, have denied the assumption of the agency head on insurance of contributions of Alexander Turbanova and many other experts that many banks will be closed with introduction since January, 1st, 2010 of increased requirements to the minimum authorised capital stock. According to head Garegina Tosunjana to leave the market bankers do not gather, showing the survivability. “ practically all have found a way to fill up the capital “ has with satisfaction noted Tosunjan, having added that only 30 banks “ have not gathered additionally to the put sum “. But also that at them is still chance to be in time.