As I have already noted, the holidays will cultivate professional presence buyers evaluate you be provided to borrowers only in the event of a significant decrease in income. They cannot be used just like that. Their task is to help avoid default and maintain solvency. At the same time, they are , and preferential interest will be charged on the debt. The borrower will not have an incentive to abuse this option. We believe that the new mechanism will be in demand. Among borrowers who really find themselves in a difficult life situation.
As for the accumulation of excessive debt
our macroprudential policy is aimed at combating this, so that such situations do not become systemic.
— Since the first quarter of 2023, limits have been in effect on the issuance of consumer loans and credits based on the number of borrowers with a high debt burden ratio (DBR) and long terms. Is it possible to assess now how the measure has affected the overall lending dynamics?
On the eve of introducing the limits
banks significantly relaxed their lending sales offer for photographic services standards: the share of loans with a DTI of 80% and above reached a record high of 36% in the fourth quarter. When introducing the limits, we expected a moderate cooling of the consumer lending agb directory market. In January, we saw a small increase of 0.5%, but at the same time
