by data Central bank Russian Federation (Bank Russia), for the first 11 months 2017 total amount of credits, given out to the population, grew by 1,2 trillion rubles, having made 12 trillion rubles, thus means on bank accounts increased only by 800 billion rubles, to 25 trillion rubles. The greatest growth fell on the mortgage credits, their volume in January-November, 2017 grew approximately by 40 percent. Also dynamically car loans — for 14 percent grew also.
— In a banking system there is no imbalance because deposits not only retail clients, but also the enterprises grew. At banks were and there are means at the expense of which they can give out loans to citizens — the director of the Center of macroeconomic researches explained Public joint-stock company "Sberbank Russia" Julia Tseplyaeva. — The whole 2017 occurred withdrawal from savings model of behavior of people, characteristic for the crisis period. When citizens are not sure in tomorrow, they try to spend less and to postpone for the future that there was some margin of safety more. So was and in 2016 guo du, and at the beginning of 2017.
But a tendency exchanged, last year notable restoration of consumption began. Therefore people of the okhotny started taking credits. Besides that growth of salaries in real terms made slightly more than three percent, retail crediting, including a mortgage, for the first 11 months of last year reached 11,6 annual interest rates.
Other expert of the banking sector Leonid Ignat notes that to Russian Federation steadily low inflation for the first time is for many years observed. After long "pent-up demand" when citizens limited themselves in purchases and focused attention on accumulation of means, people began to spend more.
— This absolutely healthy phenomenon. Leading economy of the world stimulates a consumer demand, so, and crediting. We see that the income of Russians gradually grows, the public sector develops. In stable conditions people ceased to be afraid that will not be able to give loans — Leonid Ignat speaks.
the Increase in number of the given-out mortgage loans is explained by decrease in a rate on them — now this indicator fluctuates around 9,5 percent.
Being guided by planned decrease in a key rate of Central bank Russian Federation (Bank Russia) this year, experts predict further increase in demand at a mortgage.
Today and real estate prices remain rather attractive. But their post-crisis growth that pushes the population is possible not to postpone housing purchase for later, and to make such transactions now while the price allows.
according to the chief analyst of the Moscow association of realtors Dimitri Nikolaevich Taganov, people began a thicket to take the mortgage credits owing to decrease in discount rates, and, therefore, increases in availability of a mortgage, and this year a tendency, most likely, will remain. Therefore it is possible to predict demand for real estate.
DIRECT SPEECH
Miroshnichenko Dimitri, economist:
— Unlike a mortgage growth consumer crediting are caused in me by concern against slowly growing income. Such "life on credit" in the medium-term plan will brake economy. That people borrowed last year, in it should be given, and these payments will be subtracted from consumption. Debt load in 2014-2015 became the reason of public intensity, and incident can repeat.