In September 2021, banks issued 1.17 million consumer loans for 362.6 billion rubles. This is almost 7% less than it was in August, according to the credit bureau Equifax. “The main reasons are two: the increase in the key rate, which led to an increase in nominal consumer lending rates, and the tightening of regulatory rhetoric in the market aimed at limiting issuing unsecured loans, “- said the head of the bureau Oleg Lagutkin (quoted by TASS). Earlier, the head of the Central Bank Elvira Nabiullina said that the regulator wants to impose a direct restriction on the issuance of consumer loans for banks. According to her, the Bank of Russia cannot “turn a blind eye to how quickly demand is growing now.” This accelerates inflation, and also worries the regulator in terms of social and financial stability. It is assumed that the limit will be revised every three months. About new levers of pressure on banks – in the material “Kommersant FM” “Consumer credits are brought to the limits.” …
Sberbank’s customers will be able to apply for and receive a consumer loan without collateral at ATMs, the bank’s press service reports. Clients of salary projects can take out a loan in the amount of 30 thousand to 5 million rubles, all the rest – from 30 thousand to 3 million rubles. The service is available on ATMs with a touch screen. To apply for a loan, you need to log in with the card, indicate the required amount and term of the loan, check the correctness of the passport data, address, indicate the phone number and familiarize yourself with the preconditions for the loan. The term for making a decision on the application is about two minutes. If the decision is positive, the bank will issue a loan within 30 days. You can also get money on a card or in cash through an ATM. “The ability to get a loan through an ATM is especially convenient for those who live far from our offices or are not an active user of gadgets. We also see good prospects for this product for residents of rural areas and small towns, ”said the Deputy Chairman of the Management Board….
Russian banks issued 1.7 million consumer loans in June, which was an absolute record, according to data from the United Credit Bureau (OKB). Compared to the same period in 2020, the issuance of cash loans increased by 53%, compared to May – by 8%. The OKB explained that the number of consumer loans increased against the background of the long May holidays.
In the first half of 2021, banks issued almost 9 million consumer loans, which is 44% more than in the same period a year earlier. Among the leaders in terms of the number of issued cash loans are Volgograd and Omsk regions (in comparison with May, issuances increased by 11%), Stavropol Territory (+ 12%). The smallest increase in loans was recorded in the Leningrad Region and the Krasnoyarsk Territory (less by 4%). In Moscow, banks in June issued 6% more loans than in May.
The general director of the OKB Aleksandrovich Artur said that, in particular, the seasonal factor led to the record issuance of consumer loans: the demand for loans in the summer is higher due to vacations. In addition, according to him, “against the background of the growth of the key rate, banks are striving to build up their loan portfolio before raising funds becomes even more expensive for them.” Another reason he called the decision of the Central Bank from July to increase the premiums to the risk ratios on unsecured consumer loans, which “stimulated banks to increase the issuance of loans until this date.”
In May, 25.7 million active consumer loans were issued in Russia, which was at least three years, according to the credit bureau Equifax. According to experts, the main reason for the decrease in the number of consumer loans was the refinancing of several debts by Russians into one new agreement.
Read about how Russian banks can expand offers for consumer loans, read in the material “Kommersant” “Loans turned into securities.”