The intention of the Central Bank to tighten the capital requirements of banks that issue low-deposit mortgages will have a positive effect on their creditworthiness, but will increase the "entry threshold" to a mortgage: a loan with a small amount of own power becomes more difficult. About this, writes Kommersant, referring to the study of the rating agency Moody & # 39; s.
In an attempt to make it less profitable to issue risky mortgages with a low down payment (from 10 to 20 percent), the central bank has increased the risk factor from 100 percent to 150 in the calculation of capital from 2018. Recently, the bank announced plans to raise this ratio to 200 percent from 2019, notes the publication.
According to analysts at Moody & # 39; s such a measure will increase the creditworthiness of banks. At the same time, it will have the most impact on creditors with a significant share of the mortgages in their portfolios – Deltacredit, Absolut Bank, Center-invest, Transcapitalbank and others.
For their part, bankers believe that the next tightening by the Central Bank will lead to a decrease in the availability of mortgages for the population. In the edition of "Deltacredit" it is stated that banks are forced to increase the interest on loans with a low initial contribution, or to set a minimum contribution of 20 percent.
For example, the "costs of entry" in the mortgage will increase by about a third, according to the representative of the bank.
Today it became known that representatives of Russian banks from the top 15 on the provision of mortgages await an increase in average rates for home loans to 10-10.5 percent during the year. Promoting their growth is instability in the financial markets and a possible increase in the policy rate of the Central Bank.