Новые долги помогают гражданам обслуживать старые

Новые долги помогают гражданам обслуживать старые

Фото:
Александр Вайнштейн /
Коммерсантъ

  |  купить фото

53% заемщиков в прошлом году брали кредиты для погашения своих долгов. При этом, по словам экспертов, далеко не всегда рефинансирование проводится в целях снижения ставок по сравнению с первоначальными. Многие заемщики просто не могут расплатиться по текущим долгам, и рефинансирование для них единственная возможность продолжать обслуживать кредиты.

Объединенное кредитное бюро (ОКБ, входит в топ-3 БКИ) проанализировало цели получения кредитов наличными (по данным 45 млн граждан с действующими кредитами). В прошлом году 53% (более 4,7 млн) из тех, кто брал новые кредиты, делали это для погашения задолженности по уже имеющимся долгам. Самый высокий показатель наблюдался в декабре 2016 года — 58%. При этом 27% заемщиков направляли на погашение старого долга более половины суммы нового кредита. За последние пять лет доля заемщиков, направляющих кредиты на рефинансирование имеющихся долгов, выросла в полтора раза с 37% в 2012 году.

В 2016 году средний размер кредита для целей рефинансирования составил 126 тыс. руб. против 101 тыс. руб. в 2015 году. При этом 42% заемщиков на момент получения нового кредита наличными имели один открытый кредит, 51% — два, 60% — три кредита, 65% — четыре, 71% — пять и более. «Существует прямая корреляция между количеством открытых кредитов и платежной дисциплиной. Среди заемщиков с одним кредитом только 12% допускают просрочку платежей более 30 дней, а среди заемщиков с пятью и более кредитами таких более 40%,— отмечает гендиректор ОКБ Даниэль Зеленский.— В ситуации падения реальных доходов населения «серийные заемщики» первыми попадают в группу риска». По его словам, сейчас около 7,7 млн человек имеют три и более открытых кредита и в среднем тратят на ежемесячные платежи по ним более 80 тыс. руб.

Опрошенные «Ъ» банкиры, уверяют, что отбирают при рефинансировании качественных заемщиков. «На фоне снижения ставок на рынке спрос на рефинансирование увеличился за последние полгода, у многих заемщиков появилась возможность снизить долговую нагрузку»,— говорит руководитель направления разработки кредитных продуктов Бинбанка Светлана Гордеева. По данным ЦБ, среднерыночное значение полной стоимости потребительских кредитов (ПСК) в четвертом квартале 2016 год (ориентир для выдачи кредитов во втором квартале 2017 года) по кредитам наличными от 100 тыс. руб. до 300 тыс. руб. на срок от года составило 18,15%, против 22,45% в 2015 году. По словам члена правления ВТБ Владимира Верхошинского, группа ВТБ (банки ВТБ и ВТБ 24) ежемесячно рефинансирует потребительские кредиты на сумму более 10 млрд руб., это примерно от 20% до 30% выдач. «Мы рефинансируем, безусловно, не всех заемщиков, в обязательном порядке проводится скорринг, большое количество действующих кредитов и высокая закредитованность являются негативными факторами при принятии решения о предоставлении кредита»,— отметил он. По словам госпожи Гордеевой, в целом по рынку программы рефинансирования рассчитаны на тех, у кого не более трех-четырех действующих кредитов, если же у человека их пять и более, то рефинансировать их будет проблематично.

Несмотря на осторожность банкиров, высокая доля новых кредитов, направляемых на рефинансирование, несет в себе риски. «Пока динамика доходов населения не начнет уверенно расти, активность банков в сфере розничного кредитования связана с повышенными рисками,— указывает главный экономист «ПФ-Капитала» Евгений Надоршин.— Приличное количество граждан, даже с номинально растущей зарплатой, могут оказаться в положении, когда начнут испытывать сложности в обслуживании кредита даже по пониженной ставке».

Источник: kommersant.ru

124 комментария

Уведомление: Dentist in East Brunswick NJ
Уведомление: dang ky tai khoan w88
Уведомление: ts911betsoccer.com
Уведомление: didi promo
Уведомление: 카지노사이트
Уведомление: scam
Уведомление: ww88
Уведомление: dent repair in Greensboro
Уведомление: con heo dat
Уведомление: mkpotente
Уведомление: nha cai uy tin fun88
Уведомление: ฉีดวิตามินผิว
Уведомление: Tochka Market Exit Scam
Уведомление: Cryptonia Market
Уведомление: pelangiqq1
Уведомление: www.2015louisvuittonoutlet.net
Уведомление: www.cbdadverts.com
Уведомление: mejaqq pkv
Уведомление: Polished Concrete Floors
Уведомление: wedeqq
Уведомление: estared.net
Уведомление: ignou synopsis
Уведомление: 바카라사이트
Уведомление: acl cornhole boards
Уведомление: 토토사이트
Уведомление: Brooklyn
Уведомление: Las Vegas SEO
Уведомление: https://domowniczy.pl/forum/
Уведомление: https://astrow.pl/
Уведомление: https://perfumex.com.pl/forum/
Уведомление: https://pracabiznes.com.pl/forum/
Уведомление: https://najezykach.com.pl/forum/
Уведомление: Replica Accurist Ladies
Уведомление: https://turystyka24.com.pl/forum/
Уведомление: https://sportzdrowie.com.pl/forum/

I just want to say I am newbie to blogs and really loved you’re web page. Probably I’m want to bookmark your website . You definitely have wonderful posts. Thank you for sharing with us your webpage.

After I originally commented I seem to have clicked on the -Notify me when new comments are added- checkbox and from now on whenever a comment is added I recieve four emails with the same comment. Is there a way you can remove me from that service? Thanks a lot!

Greetings! Very useful advice within this post! It is the little changes which will make the greatest changes. Thanks a lot for sharing!

Oh my goodness! Impressive article dude! Thank you so much, However I am encountering issues with your RSS. I don’t know why I can’t join it. Is there anybody else getting the same RSS issues? Anyone that knows the answer will you kindly respond? Thanx!!

I seriously love your website.. Very nice colors & theme. Did you build this site yourself? Please reply back as I’m wanting to create my very own blog and want to learn where you got this from or what the theme is named. Thank you!

Hello there! This blog post could not be written much better! Going through this post reminds me of my previous roommate! He constantly kept talking about this. I’ll send this article to him. Fairly certain he’s going to have a great read. Thank you for sharing!

You made some good points there. I checked on the web for more info about the issue and found most individuals will go along with your views on this web site.

Aw, this was an exceptionally good post. Spending some time and actual effort to generate a superb article… but what can I say… I put things off a whole lot and don’t seem to get nearly anything done.

Everyone loves it when individuals come together and share views. Great website, continue the good work!

Next time I read a blog, I hope that it won’t disappoint me as much as this one. After all, Yes, it was my choice to read through, nonetheless I truly believed you’d have something helpful to talk about. All I hear is a bunch of crying about something that you could possibly fix if you were not too busy searching for attention.

You made some decent points there. I looked on the web for more information about the issue and found most individuals will go along with your views on this website.

Howdy, There’s no doubt that your blog may be having internet browser compatibility problems. When I take a look at your site in Safari, it looks fine however, if opening in Internet Explorer, it has some overlapping issues. I merely wanted to provide you with a quick heads up! Apart from that, excellent site!

Hi, I do think this is an excellent web site. I stumbledupon it 😉 I will come back yet again since I bookmarked it. Money and freedom is the best way to change, may you be rich and continue to help other people.

Can I just say what a comfort to discover an individual who really understands what they’re discussing on the web. You actually realize how to bring a problem to light and make it important. More people must check this out and understand this side of the story. I was surprised you are not more popular because you surely have the gift.

After looking over a handful of the blog articles on your blog, I seriously like your technique of blogging. I saved it to my bookmark site list and will be checking back in the near future. Please check out my website too and tell me your opinion.

May I just say what a comfort to uncover somebody that really knows what they’re talking about on the net. You certainly know how to bring an issue to light and make it important. A lot more people ought to check this out and understand this side of the story. I was surprised you aren’t more popular because you most certainly possess the gift.

I quite like reading through an article that will make men and women think. Also, thank you for allowing for me to comment!

After going over a handful of the blog posts on your blog, I honestly appreciate your way of blogging. I saved it to my bookmark site list and will be checking back in the near future. Take a look at my web site as well and tell me your opinion.

I blog quite often and I genuinely appreciate your information. This great article has really peaked my interest. I will take a note of your website and keep checking for new details about once per week. I opted in for your RSS feed too.

Spot on with this write-up, I absolutely believe this amazing site needs much more attention. I’ll probably be back again to read through more, thanks for the info!

Good post. I learn something totally new and challenging on blogs I stumbleupon everyday. It’s always interesting to read through content from other writers and practice something from other sites.

An intriguing discussion is worth comment. I do believe that you ought to write more about this topic, it might not be a taboo matter but usually people do not speak about such issues. To the next! All the best!!

Greetings! Very helpful advice within this article! It is the little changes that produce the most important changes. Thanks a lot for sharing!

Howdy! I just wish to offer you a huge thumbs up for the great information you have right here on this post. I will be coming back to your blog for more soon.

Howdy, I think your website could possibly be having browser compatibility problems. When I take a look at your site in Safari, it looks fine but when opening in IE, it has some overlapping issues. I simply wanted to provide you with a quick heads up! Aside from that, fantastic blog!

That is a very good tip especially to those fresh to the blogosphere. Brief but very accurate info… Thank you for sharing this one. A must read post!

Oh my goodness! Amazing article dude! Thank you, However I am having troubles with your RSS. I don’t know the reason why I can’t subscribe to it. Is there anybody else getting identical RSS problems? Anyone who knows the solution can you kindly respond? Thanx!!

After going over a few of the blog posts on your site, I honestly like your technique of writing a blog. I saved it to my bookmark site list and will be checking back in the near future. Please check out my website too and let me know how you feel.

The next time I read a blog, I hope that it doesn’t disappoint me as much as this particular one. I mean, Yes, it was my choice to read, nonetheless I actually believed you would probably have something useful to talk about. All I hear is a bunch of complaining about something that you could fix if you weren’t too busy looking for attention.

I have to thank you for the efforts you’ve put in penning this website. I’m hoping to view the same high-grade blog posts from you later on as well. In truth, your creative writing abilities has motivated me to get my very own site now 😉

Hi, I do believe this is an excellent web site. I stumbledupon it 😉 I’m going to return once again since I book marked it. Money and freedom is the greatest way to change, may you be rich and continue to guide other people.

When I initially left a comment I appear to have clicked on the -Notify me when new comments are added- checkbox and now whenever a comment is added I get 4 emails with the same comment. Perhaps there is a means you can remove me from that service? Thank you!

Nice post. I learn something new and challenging on sites I stumbleupon everyday. It’s always interesting to read content from other writers and use a little something from their websites.

Howdy! I could have sworn I’ve visited this site before but after looking at many of the posts I realized it’s new to me. Anyhow, I’m definitely delighted I came across it and I’ll be bookmarking it and checking back often!

I want to to thank you for this excellent read!! I certainly loved every little bit of it. I’ve got you book-marked to look at new things you post…

An impressive share! I’ve just forwarded this onto a coworker who has been conducting a little research on this. And he in fact ordered me breakfast simply because I discovered it for him… lol. So allow me to reword this…. Thank YOU for the meal!! But yeah, thanx for spending the time to discuss this issue here on your website.

You are so cool! I don’t think I’ve read through a single thing like this before. So nice to find another person with some genuine thoughts on this subject. Really.. thanks for starting this up. This web site is something that’s needed on the internet, someone with a little originality!

I really love your site.. Very nice colors & theme. Did you build this website yourself? Please reply back as I’m attempting to create my own blog and would like to know where you got this from or exactly what the theme is named. Appreciate it!

Hi, I do believe this is an excellent blog. I stumbledupon it 😉 I will come back yet again since i have saved as a favorite it. Money and freedom is the greatest way to change, may you be rich and continue to help others.

I blog quite often and I seriously appreciate your information. Your article has truly peaked my interest. I will take a note of your blog and keep checking for new information about once per week. I opted in for your Feed too.

May I just say what a relief to uncover someone that truly knows what they are discussing on the internet. You certainly realize how to bring a problem to light and make it important. More and more people should look at this and understand this side of your story. I was surprised you’re not more popular since you definitely have the gift.

Next time I read a blog, Hopefully it does not disappoint me as much as this particular one. I mean, I know it was my choice to read, however I really thought you would probably have something helpful to say. All I hear is a bunch of whining about something you could fix if you weren’t too busy looking for attention.

I must thank you for the efforts you’ve put in writing this site. I really hope to view the same high-grade blog posts from you later on as well. In fact, your creative writing abilities has encouraged me to get my own website now 😉

An outstanding share, I just given this onto a coworker who was doing a little evaluation on this. And he actually bought me breakfast since I found it for him. smile. So let me rephrase that: Thnx for the treat! However yeah Thnkx for investing the moment to discuss this, I really feel strongly concerning it as well as like learning more on this subject. Preferably, as you end up being competence, would certainly you mind upgrading your blog with even more details? It is extremely valuable for me. Large thumb up for this post!

You should be a part of a contest for one of the finest sites on the internet. I am going to highly recommend this blog!

I’m very pleased to discover this page. I need to to thank you for your time just for this wonderful read!! I definitely enjoyed every bit of it and I have you saved to fav to check out new information on your blog.

I’m impressed, I must say. Seldom do I come across a blog that’s equally educative and engaging, and let me tell you, you have hit the nail on the head. The problem is something which not enough folks are speaking intelligently about. Now i’m very happy I came across this during my search for something concerning this.

An outstanding share! I have just forwarded this onto a co-worker who had been conducting a little research on this. And he actually ordered me breakfast due to the fact that I stumbled upon it for him… lol. So allow me to reword this…. Thank YOU for the meal!! But yeah, thanx for spending some time to discuss this topic here on your site.

You are so awesome! I don’t think I’ve truly read a single thing like this before. So wonderful to discover someone with a few unique thoughts on this subject. Seriously.. thank you for starting this up. This website is something that is needed on the web, someone with a little originality!

Комментирования закрыты.