We are concerned when it leads to an increase in the indebtedness of citizens, the accumulation of risky loans in oman telegram data bank portfolios and the strengthening of imbalances in the housing market. Therefore, we try to maintain a balanced structure. Our measures have led to the fact that the issuance of mortgage loans with a down payment of less than 20% in the primary market has decreased from 60% to 2%. The issuance of mortgages to borrowers with a debt burden of more than 80% has decreased from 45% to 34% over six months.
However, the price gap between
the primary and secondary markets has not yet decreased. As of April 1, 2024, it reached 55%, according to Rosstat. Before the launch of preferential programs, it was 10%. In addition, there are programs of banks and developers in the mortgage market, which often carry risks for citizens. We have already developed a mortgage standard. We have prescribed in it the inadmissibility of such schemes when issuing mortgages. We hope it will start working soon.
— Do they still take out consumer loans? The rates there are 30% per annum, if not more…
—This is an unexpected situation
Despite regulatory tightening and high rates, there is a high growth rate here — 2% per month. Banks consider this a guide to getting started with your companion ai assistant segment very attractive. They provide credit cards and cash loans. At the same time, the alb directory main growth is on cards. And we are not only talking about those clients who manage to repay the debt during the grace period.