As “Kommersant” found out, contrary to the Russian financial market traditions, the initiative of Sberbank in a significant change in a parameter of mortgage loans, down payment, did not become an example for other banks. First and foremost, they fear the risks to capital. Sberbank also need to increase the number of mortgage borrowers to maintain the falling market share.“B” studied the response of banks announced last week changes in mortgage programs of the savings Bank. In particular, we are talking about mass reduction for payroll customers down payment on loans for purchasing under construction and completed housing from 15% to 10%, and for customers who arrange a mortgage without proof of income and employment— from 50% to 30%. Similar conditions temporarily operated at the end of last year, but then rates were significantly higher (9.6% versus 7.3 per cent now).Typically, the savings Bank sets the market trend, but this time not everyone is ready to follow his example. VTB, Moscow credit Bank, Russian agricultural Bank (Rosselkhozbank), Transcapitalbank, the absolute-Bank and “URALSIB” there is already a proposal with a ten percent contribution, but they are not massive. Loans with such payment considered to be more risky — this leads to an increase of the loan amount and the customer harder to handle the debt load, explained in VTB. “Borrowers who are not able to make a substantial down payment, usually less responsible attitude to mortgage”— added to the absolute-Bank. One of the major mortgage banks, which is considering the possibility of lowering the down payment to 10%,— PSB (now the minimum fee is 15%).Central Bank restrains the issuance of mortgages with low down payment, said the head of the Directorate of mortgage lending of Transcapitalbank (where the contribution is 20%) Vadim Paharenko. In particular, the size of the contribution depends on the risk factors that can put pressure on the capital.On the mortgage I don’t see such problem yet… Today there is not much sense to further increase the regulatory gallerieds Sberbank risks can justify the need to restore market position that it lost in recent years. According to Frank RG, on June 1, the Bank’s share in mortgage portfolio 47.8% a year ago, accounting for 49.9%, two years ago — 51,2%. “Now the mortgage market has remained among the most reliable, there are all players who have not played it,— Alfa-Bank “FC Opening”,” says one banker.According to the “Rusipoteka” for five months 2020 the volume of loans of Sberbank exceeded $ 494 billion rubles, which is only 5% more than last year. For example, VTB increased its issuance by nearly 24% to 311 billion rubles, Alfa-Bank — by 2.7 times (up to 54 billion rubles), Bank “FC Opening” is 1.8 times (49 bn). 1.3–1.7 times increased issuance of iPodEKI Rosselkhozbank, the Bank “Building.Of the Russian Federation”, URALSIB, Transcapitalbank. A number of banks stepping up mortgage portfolio due to the refinancing of foreign loans. In particular, according to the “Rusipoteka” for five months 2020 VTB refinanced third-party mortgage loans amounting to almost 82 billion rubles, and Sberbank — all 7 billion RUB 11-13 billion. refinanced loans Gazprombank, Raiffeisenbank, Bank “House.Of the Russian Federation”.The reduction of the original fee markedly increases the number of potential customers. Expert on mortgage lending, Sergey gordeno notes that “given all the crises we are down to the size of savings and effective demand”. Director of Department of ratings of credit institutes “Expert RA” Ivan Uklein adds that Sberbank may be interested in the growth of mortgage and terms of the support of certain development projects: “When every major Bank has accredited developers, which are typically served at RKO, have credits in the Bank”.Olga Sorokovikova on deposits from RUB 1 million in the top 10 bankautomat next
