Date: 5 days ago   Category: Finance

The Central Bank will take measures for restriction of debt load of the population — Rambler News Service


The Central Bank plans to enter an indicator of a debt load to limit the risks connected with debt load of the population. The press service of the regulator reported about it. "For restriction of the risks connected with debt load of the population, the Bank of Russia enters the indicator of a debt load (IDL) into regulation and plans to establish since October 1, 2019 extra charges to risk coefficients depending on the PDN level and the true interest cost (TIC)" — told in the Central Bank. According to the Central Bank, unsecured consumer lending continues to grow. So, for May 1, 2019 the rate of gain in annual terms was 25.3%. However, explained the regulator, banks show high interest in this segment because of the quality issued credits. "On the generations of the credits created in the first half of 2018 the share of loans with delay more than 90 days for the 12th month makes about 2% that is significantly lower, than on the generations of the credits created during the last period of the accelerated growth in 2011-2014 (from 3.5% on generations of the IV quarter 2011 up to 8% on generations of 2013)" — it is said in the statement. It is noted that growth of a debt load on unsecured consumer loans accelerated in recent months. "The debt servicing coefficient (the relation of payments on the credits to the cumulative size of the located income of all households) for April 1, 2019 made 8.4%, having increased in 12 months by 0.9 percentage points" — reported in the Central Bank. Also in department told that crediting expansion is conducted at the expense of already loaded with debt groups of the population now. "Data of poll of banks show that the debt load of borrowers grows: in the I quarter 2019 the share of the issued credits with PDN2 higher than 80% made 9.7%. It can mean that expansion of crediting happens at the expense of already loaded with debt groups of the population" — it is said in the statement.

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