- December 22, 2014
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Savings Bank announced an increase in interest rates for mortgage loans. Bank rate increase on basic food mortgage lending by two percentage points, from 22 December and they start at 14.5%. This applies to the acquisition as the ready and housing under construction.
Interest rates on loans for young families and within the campaign for new buildings were increased respectively to 15.5% and 14.5% per annum in rubles.
This tightening of mortgage lending is not limited. Sberbank also reported that all loans have increased the size of the minimum initial contribution from 10-15% to 20%, and the “Mortgage on two documents” – from 40% to 50%.
The bank generally stopped accepting applications for loans for the construction of residential houses and suburban real estate.
The change rate mortgages followed the decision of the Central Bank increased its key interest rate. On Monday, when the ruble per day fell against the dollar and the euro by more than 10%, the Central Bank at the evening meeting of the Board of Directors decided to record from the late ’90s one-time increase in the interest rate – up to 17%.
“operate at a loss”
On Sunday, deputy chairman of Sberbank Bella Future announced the increase of the average mortgage rates from 13% to 15%.
At the same time, she stressed that the bank’s management has decided to issue mortgage loans at a loss.
“The rate of the Central Bank, as you know, 17%, and it was decided that we would lend mortgages at a loss. Our profit this allows us, “- said Zlatkis.
Zlatkis also said that the Savings Bank does not issue mortgages in foreign currency for several years.
” Now it’s terrible problem – the mortgage dollar – quoted by RIA Novosti news agency Zlatkis – we do not have a mortgage in dollars, we have long realized that the man himself is not always able to understand how to look his finances, and what can happen. So we have not give out mortgages dollar mortgage we only in rubles “.
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