Date: 4 months ago   Category: Finance

The Central Bank told about dependence of a default on a mortgage from the size of the first contribution — Rambler News Service


Default probability on mortgage loans with low initial contribution is 1.5-2 times higher, than at the credits with a contribution of 20-40%, it is told in "The review of financial stability for the II-III quarters 2018 prepared by the Bank of Russia. "Annual probability of a default on a mortgage loan with initial contribution from 10 to 20% is 1.5-2 times higher, than at the credits with a contribution from 20 to 40%", - it is said in the statement. It is noted that the Bank of Russia for prevention of accumulation by banks of risks since January 1, 2018 increased risk coefficients on the credits with initial contribution less than 20%, this measure did not lead to decrease in a share of such credits in deliveries of banks, however allowed to stabilize it. "The share of again granted mortgage loans with initial contribution from 10 to 20% in the II quarter 2018 made 42.6% (in the I quarter 2018 – 42.3%)", - added to the Central Bank. The Central Bank reminded that in this regard the board of directors of the Bank of Russia made on October 1, 2018 the decision to raise an extra charge to risk coefficients on mortgage loans and the credits for financing under the contract of individual share in construction with low initial contribution from 0.5 to 1 that corresponds to coefficient of risk of 200%. The decision will be applied to the credits issued since January 1, 2019.

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