the surcharges to risk coefficients for mortgage how to find time to cold call so your pipeline doesn’t run dry (ask jeb) loans from May 1, 2023. The measure is aimed at limiting the risks of borrowers and banks. How long will such surcharges be in effect? How do you assess the likelihood of these surcharges being reduced, for example, in a year? What factors will this depend on first of all?
— The surcharges will remain in effect
as long as risky practices are widespread in the market. By increasing capital requirements, we, on the one hand, discourage such lending, and on the other hand, force banks to increase their capital reserves. Both during the pandemic and during the tightening of sanctions last year, we released these buffers, which supported banks.
Under what other conditions can
we reduce premiums? Firstly, the practice of misselling housing for mortgages under the guise of marketing campaigns should leave the what does a brand ambassador do? market. These campaigns bring more risk than benefit to people and banks. As a result of such agb directory practices, the difference in prices between the primary and secondary markets has already reached 30% in Russia, and 55% in the Moscow region.
