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NBCH: most loans will not fall under credit holidays
The Russian government has specified the requirements for loans, which can be issued a credit vacation. Most borrowers will not be able to use them.
According to RBCto issue deferment it will be possible for a mortgage loan of up to 1,5 million rubles, a car loan of up to 600 thousand rubles, a consumer loan of up to 250 thousand rubles and credit cards of up to 100 thousand rubles. Entrepreneurs can count on "holidays" on loans of up to 300 thousand rubles.
At the same time, according to the National Bureau of Credit Histories for February 2020, 71,5% of loans do not exceed 250 thousand rubles. Of this number, 53% of loans were issued in the amount of up to 100 thousand rubles. Loans from 250 to 500 thousand rubles make up only 16,2%. And borrowed funds in the amount of 500 thousand rubles were drawn up only in 12,3% of cases. The most popular among credit cards were limits up to 100 thousand rubles - about 76,2% of them. In the mortgage, only 1,5% fit into the established limit of 32,4 million rubles. In car loans, 41% of issued loans are subject to restrictions.
However, there are restrictions for borrowers, which is why not all loans can be issued for a credit vacation. Moreover, according to the opinion of Alexander Saraev, Managing Director for Rating of Credit Institutions of Expert RA, Alexander Boriev, now borrowers will have to confirm a reduction in income of 30% compared to the average value of the previous year only officially. This means that if employers cut part of the salary in an envelope, this will not affect official income.