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Banks has not yet increased interest rates for consumer loans Anxiety, which is a global embarrassment for the financial markets will force the Russian banks raise interest rates for loans, was greatly exaggerated. World's woes, as well as a growing number of overdue loans, bankers made only to borrowers closer to bother. Experts calm: at least another year, we should not expect higher interest rates for consumer loans. but then, you can easily borrow money and make a pleasant shopping. For all the short and in the capital and the provinces will begin the traditional New Year's rush. Shopping malls offer gifts for every taste. Queries are usually known beforehand, but good. spouse requests a new watch, a child dreams of a fashionable top box, parents need a "mobile phone for the elderly with large buttons. Plus a lot of friends, acquaintances and colleagues for the work. Meeting accumulates all decent, but the possibilities are sometimes not kept pace with the needs. interested in some acquaintances for a gift for them, but - not just moveton is recognition of its insolvency. Simple and clear sentence - to marry consumer confidence in the bank for personal needs - many are already familiar. only immediate rumors: the money in answer here would only give her, and the rates for loans will rise tomorrow nearly so, which one to take them rather our own peril. In fact, it is not so - the last global financial hardship was strong, and our banking system he touched. Let a little like the tail of a comet, but nevertheless. Plus National Board credit reports: the number of late payments and defaults for loans is growing. Maybe not really worth getting involved in this case? Almost all of the control interviewed "NO" experts hasten to reassure borrowers: domestic banks have a global problem worried, but not significantly shook. Dhoti problem of overdue and unpaid loans worth yet another sharply that banks had refused to work for this market. "The world has had difficulty for the above-banking sector is an indirect effect - said" NO "head of the department of financial institutions ratings rating agency" Expert RA "Paul Samiev. - But specifically for the consumer finance sector - even less. Just a big problem for banks - the profit number of overdue and unpaid loans. only to die a surprise for them as young market potrebkreditovaniya inevitably had to come to this. For such a crisis situation will not likely a simple reduced surplus of banks through consumer credit. It only bank margin in this sector first remains very high. " As for the hypothetical threat of growth rates due to growing loan defaults Paul Samiev are identical calm: the situation is almost the control of bank managers. "Managers of banks have noticed early danger of increased bad loans, so near them, there is no panic to that effect. But the fight that they have already started - to accept a tightening of criteria for which the credit is issued. But to raise rates by banks in the near future will not follow it will only lead to increased defaults. I repeat: immediately the situation is stable until the critical exponent of the number of defaults we are still far. A year or two - exactly. Perhaps no crisis together would not happen. Anyway, nothing like that was the way in the Czech Republic and South Korea, around us seemed not to be. So at least another year, banks will be willing to work with consumer credit does not raise rates, "- says the expert. Except that, as experts note, this year, loans have become an alternative placement of available funds, mainly considering the low profitability of many instruments of investment. Known fact that the dollar is weakening gradually, mutual funds in the course of several months of fever due to instability of the market shares. "Now is the time to borrow and spend money - said" NO "Head of the Moscow International Currency Association (MVVA) Alexei Mamontov. - Many lyudkrome and do: buy the products they need, because next, taking into account the substantial inflation, these bags will be only go up. So the whole justified the confidence to get married and buy the necessary goods. " The right choice ring doubts disappeared, it's time to bore for offers from different banks concerning potrebkreditovaniya options and choose the most suitable. the place to say, the abundance of securities for a loan to collect does not necessarily without reason that the problem of loss of time together is almost non-existent. most banks will all be satisfied if you give them a certificate, plus any other document certifying the person (driver's license, certificate of pension insurance) and income certificate from the employer. This is more than enough to get a small loan. Dnes go directly to the conditions of the loan. In this market does not work without delay only lazy, but nearly every bank has its own specifics. on the part of dostavatto and important to each borrower, depending secret through the financial situation in which it is located, made the right choice. Consider a few suggestions. So, the Savings Bank provides trust for a period of five years, the minimum loan amount is 45 thousand rubles. The interest rate for ruble loans - 15-17% per annum, "green" and the euro - 15,5-17,5%. In retail "daughter" of State Bank for Foreign Trade - VTB 24 - one can marry trust for the period after six months, the minimum amount - after a thousand dollars or euros, or 30 thousand rubles. The interest rate is within 16-22% per annum: the shorter the loan term - the higher the percentage. alone with the most short-term loans - Debt Alfa Bank. It can even get married for a little month and a maximum period of three years.

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