Калининградские банки: Взрывной рост объемов потребительского кредитования в регионе объясняется ростом доходов населения и снижением требований к заемщикам

Фото rugrad.eu

{"ID":"520910","~ID":"520910","TAGS":"кредитование, банки","~TAGS":"кредитование, банки","NAME":"Калининградские банки: Взрывной рост объемов потребительского кредитования в регионе объясняется ростом доходов населения и снижением требований к заемщикам","~NAME":"Калининградские банки: Взрывной рост объемов потребительского кредитования в регионе объясняется ростом доходов населения и снижением требований к заемщикам","IBLOCK_ID":"54","~IBLOCK_ID":"54","IBLOCK_SECTION_ID":"4067","~IBLOCK_SECTION_ID":"4067","DETAIL_TEXT":"\r\n\u003Cp\u003EОдна из причин, по которым размер задолженности по кредитам, выданным физическим лицам в Калининграде стремительно растет - это ожидание населением \u0026laquo;второй волны\u0026raquo; кризиса. Люди предпочитают не копить деньги, откладывая покупку на потом, а приобретают товары уже сейчас, привлекая кредиты. Завтра из-за кризиса вещь, которую ты в состоянии купить сегодня, может оказаться тебе уже не по карману, а часть оставшихся накоплений \u0026laquo;съест\u0026raquo; инфляция. Такую точку зрения в беседе с RUGRAD.EU озвучила начальник отдела обслуживания и продаж калининградского филиала Сбербанка России Татьяна Канищева. \u003C\/p\u003E\r\n \r\n\u003Cp\u003E \u0026laquo;Я бы выделила две предполагаемых причины активного получения кредитов физическими лицами, - отмечает Татьяна Канищева, - во-первых, в этом и в прошлом году доходы граждан увеличились, и, обеспокоенные возможным кризисом, они стараются не создавать денежных накоплений. Вторая же причина, на мой взгляд, в том, что в ряде банков, включая наш, появились дружественные кредитные программы. Например, программа \u0026laquo;Военная ипотека\u0026raquo;, \u0026laquo;Ипотека + материнский капитал\u0026raquo;. Кроме того, на рост кредитования повлияло уменьшение количества необходимых документов, что позволило сократить время на получение потребительского кредита до 2 часов\u0026raquo;. \u003C\/p\u003E\r\n \r\n\u003Cp\u003E В банке \u0026laquo;Европейский\u0026raquo; также наблюдают тенденцию роста объемов кредитов, выдаваемых физлицам. \u0026laquo;Тенденция роста наблюдается, - говорит советник председателя правления банка \u0026laquo;Европейский\u0026raquo; Алексей Третьяков, - наш банк специализируется на средних суммах потребительских кредитов, средняя сумма выдачи в 2012 году \u0026ndash; около 800 тыс. руб. Однако много продается и розничных кредитов без обеспечения \u0026ndash; средняя сумма около 200 тыс. руб. Это направление развивается высокими темпами. Дальнейшее развитие ситуации будет зависеть от макроэкономики, но полагаю, что рынок будет расти, однако не такими высокими темпами, как в первой половине 2012 года\u0026raquo;. \u003C\/p\u003E\r\n \r\n\u003Cp\u003E С коллегами солидарен заместитель управляющего филиалом ОАО \u0026laquo;Бинбанк\u0026raquo; в Калининграде Дмитрий Чернов: \u0026laquo;Рост налицо, но корректно сравнить с аналогичным периодом прошлого года достаточно сложно. За это время предложений по кредитам в нашем банке стало больше, условия улучшились, соответственно, количество клиентов возросло. Недавно мы запустили новую программу на крупные суммы кредитования без залогов и поручителей, она пользуется спросом. По нашим прогнозам, рост кредитования удержится как минимум до конца года\u0026raquo;. \u003C\/p\u003E\r\n \r\n\u003Cp\u003E Напомним, по данным Центробанка по состоянию на начало июня 2012 года суммарная задолженность по кредитам жителей Калининградской области \u003Ca href=\u0022http:\/\/rugrad.eu\/news\/514831\/\u0022 \u003Eдостигла \u003C\/a\u003E33,1 млрд руб., что на 20% больше, чем регистрировалось в начале года и почти на 50% больше, чем фиксировалось на аналогичную дату прошлого года. На ипотечные кредиты пришлось 5,94 млрд руб. или 18% от размера суммарной задолженности, при этом официальная просроченная задолженность по ипотечным кредитам составляет 244 млн руб. Между тем, рост задолженности по ипотечным кредитам в сравнении с началом года составил 14,2%, а по сравнению с аналогичным периодом прошлого года \u0026mdash; 31,1%. Стоит отметить, что в начале первой волны кризиса - в начале 2009 года - размер задолженности по кредитам, выданным физлицам в Калининградской области, составлял 20,6 млрд руб. \u003C\/p\u003E\r\n ","~DETAIL_TEXT":"\r\n\u003Cp\u003EОдна из причин, по которым размер задолженности по кредитам, выданным физическим лицам в Калининграде стремительно растет - это ожидание населением \u0026laquo;второй волны\u0026raquo; кризиса. Люди предпочитают не копить деньги, откладывая покупку на потом, а приобретают товары уже сейчас, привлекая кредиты. Завтра из-за кризиса вещь, которую ты в состоянии купить сегодня, может оказаться тебе уже не по карману, а часть оставшихся накоплений \u0026laquo;съест\u0026raquo; инфляция. Такую точку зрения в беседе с RUGRAD.EU озвучила начальник отдела обслуживания и продаж калининградского филиала Сбербанка России Татьяна Канищева. \u003C\/p\u003E\r\n \r\n\u003Cp\u003E \u0026laquo;Я бы выделила две предполагаемых причины активного получения кредитов физическими лицами, - отмечает Татьяна Канищева, - во-первых, в этом и в прошлом году доходы граждан увеличились, и, обеспокоенные возможным кризисом, они стараются не создавать денежных накоплений. Вторая же причина, на мой взгляд, в том, что в ряде банков, включая наш, появились дружественные кредитные программы. Например, программа \u0026laquo;Военная ипотека\u0026raquo;, \u0026laquo;Ипотека + материнский капитал\u0026raquo;. Кроме того, на рост кредитования повлияло уменьшение количества необходимых документов, что позволило сократить время на получение потребительского кредита до 2 часов\u0026raquo;. \u003C\/p\u003E\r\n \r\n\u003Cp\u003E В банке \u0026laquo;Европейский\u0026raquo; также наблюдают тенденцию роста объемов кредитов, выдаваемых физлицам. \u0026laquo;Тенденция роста наблюдается, - говорит советник председателя правления банка \u0026laquo;Европейский\u0026raquo; Алексей Третьяков, - наш банк специализируется на средних суммах потребительских кредитов, средняя сумма выдачи в 2012 году \u0026ndash; около 800 тыс. руб. Однако много продается и розничных кредитов без обеспечения \u0026ndash; средняя сумма около 200 тыс. руб. Это направление развивается высокими темпами. Дальнейшее развитие ситуации будет зависеть от макроэкономики, но полагаю, что рынок будет расти, однако не такими высокими темпами, как в первой половине 2012 года\u0026raquo;. \u003C\/p\u003E\r\n \r\n\u003Cp\u003E С коллегами солидарен заместитель управляющего филиалом ОАО \u0026laquo;Бинбанк\u0026raquo; в Калининграде Дмитрий Чернов: \u0026laquo;Рост налицо, но корректно сравнить с аналогичным периодом прошлого года достаточно сложно. За это время предложений по кредитам в нашем банке стало больше, условия улучшились, соответственно, количество клиентов возросло. Недавно мы запустили новую программу на крупные суммы кредитования без залогов и поручителей, она пользуется спросом. По нашим прогнозам, рост кредитования удержится как минимум до конца года\u0026raquo;. \u003C\/p\u003E\r\n \r\n\u003Cp\u003E Напомним, по данным Центробанка по состоянию на начало июня 2012 года суммарная задолженность по кредитам жителей Калининградской области \u003Ca href=\u0022http:\/\/rugrad.eu\/news\/514831\/\u0022 \u003Eдостигла \u003C\/a\u003E33,1 млрд руб., что на 20% больше, чем регистрировалось в начале года и почти на 50% больше, чем фиксировалось на аналогичную дату прошлого года. На ипотечные кредиты пришлось 5,94 млрд руб. или 18% от размера суммарной задолженности, при этом официальная просроченная задолженность по ипотечным кредитам составляет 244 млн руб. Между тем, рост задолженности по ипотечным кредитам в сравнении с началом года составил 14,2%, а по сравнению с аналогичным периодом прошлого года \u0026mdash; 31,1%. 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