— The high key rate (16% per annum) has been in place for more than six months. Is there a decrease new zealand telegram data in lending activity?
— There is a slowdown in mortgages, especially in the secondary market, where state preferential programs do not apply. Last year, mortgages grew by 35%. Now — only 1-2% per month. This year, we expect the total portfolio to grow by 7-12%. And this is understandable: high rates have a negative impact on market mortgages, plus at the end of last year, the conditions of preferential programs were significantly tightened, which affected the issuances under state support programs. They accounted for 70% of issuances. After July 1, this volume should decrease.
— Why then does the overall portfolio still grow?
— Two factors influence. Yes, new loans are decreasing, but they exist. At the same time, if people used to hurry to pay off their mortgage as soon as possible, now they pay off their mortgage much less. Because many borrowers have a low rate fixed for a long term. Such connecting latitudes: towards a safe and efficient digital future in latin america clients are in no hurry to pay off their mortgage early.
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Deposits and savings accounts. In the alb directory last few years, the Central Bank has been actively fighting against the growth of mortgage debts. Why is the Central Bank concerned about this?