ЦБ определил предельные процентные ставки по всем видам кредитов

Фото rugrad.eu

{"ID":"725949","~ID":"725949","TAGS":"банк россии, кредиты, кредитные организации, заемщики, пск","~TAGS":"банк россии, кредиты, кредитные организации, заемщики, пск","NAME":"ЦБ определил предельные процентные ставки по всем видам кредитов","~NAME":"ЦБ определил предельные процентные ставки по всем видам кредитов","IBLOCK_ID":"54","~IBLOCK_ID":"54","IBLOCK_SECTION_ID":"4067","~IBLOCK_SECTION_ID":"4067","DETAIL_TEXT":"\r\n\u003Cp\u003EБанк России опубликовал среднерыночные и предельные (выше среднерыночных на треть) значения полной стоимости различных видов потребительских кредитов (займов) для кредитных организаций. Показатели рассчитаны отдельно для банков, микрофинансовых организаций (МФО), кредитных потребительских кооперативов, сельскохозяйственных кредитных потребительских кооперативов и ломбардов. Полная стоимость кредита (ПСК) включает ставку, страховку и иные платежи, влияющие на стоимость кредита для заемщика. Ограничение ПСК ввели поправки к закону \u0026laquo;О потребительском кредите\u0026raquo;, принятые в конце 2013 года, но абсолютных значений до сих пор не было. Об этом \u003Ca href=\u0022http:\/\/kommersant.ru\/doc\/2612377\u0022 \u003Eсообщает\u003C\/a\u003E газета «Коммерсант». \u003C\/p\u003E\r\n \r\n\u003Cp\u003E \u003C\/p\u003E\r\n \r\n\u003Cp\u003E В течение 45 дней кредитующим организациям придется привести свою политику в соответствие новым требованиям. Регулятор поясняет, что предельно допустимое отклонение от среднерыночного значения ПСК представляет собой не рекомендуемую, а максимально возможную ставку. К организациям-нарушителям могут быть применены меры надзорного воздействия вплоть до отзыва лицензии. \u003C\/p\u003E\r\n \r\n\u003Cp\u003E \u003C\/p\u003E\r\n \r\n\u003Cp\u003E ЦБ задал ориентиры, основываясь на рыночных данных. Среднерыночное (и соответственно, предельное) значение ПСК ЦБ определяется как средневзвешенное не менее чем по ста крупнейшим кредиторам для той или иной категории потребкредита либо не менее чем по трети кредиторов, предоставляющих эту категорию. \u003C\/p\u003E\r\n \r\n\u003Cp\u003E \u003C\/p\u003E\r\n \r\n\u003Cp\u003E Разброс ставок по потребительским займам оказался очень велик, по отдельным категориям он достигал 12-кратного отклонения от средней величины. \u003C\/p\u003E\r\n \r\n\u003Cp\u003E \u003C\/p\u003E\r\n \r\n\u003Cp\u003E Согласно расчету регулятора, самую высокую ПСК банкиры смогут применять при выдаче кредитов в торговых сетях (POS-кредитов). С 1 января 2015 года предельные значения ПСК по таким ссудам составят от 34,7% до 55% в зависимости от срока и суммы. Автокредиты, предусматривающие залог машины, не смогут стоить дороже 20-31%, нецелевые потребкредиты \u0026mdash; от 21,4 до 46,8% годовых. \u003C\/p\u003E\r\n \r\n\u003Cp\u003E \u003C\/p\u003E\r\n \r\n\u003Cp\u003E Планка для микрофинансовых организаций установлена на гораздо более высоком уровне, максимальная ПСК (заем на сумму до 30 тыс. руб. на срок менее месяца без обеспечения) для этих участников рынка составляет 914,8% годовых. Предельное значение ПСК для ломбардов установлено в размере 86,1% (если залогом по займу служит машина) и 233,2% годовых (при ином виде залога). \u003C\/p\u003E\r\n \r\n\u003Cp\u003E \u003C\/p\u003E\r\n \r\n\u003Cp\u003E Предельные значения ПСК установлены регулятором для I квартала 2015 года, в дальнейшем они будут ежеквартально обновляться. В ЦБ надеются, что применение новой регулятивной практики «приведет к существенному снижению процентных ставок уже в следующем квартале». Но по оценкам участников рынка, массового снижения ставок по потребительским кредитам и займам не произойдет: предельные значения ПСК, рассчитанные регулятором, оказались на уровне ожиданий. \u003C\/p\u003E\r\n \r\n\u003Cp\u003E \u003C\/p\u003E\r\n ","~DETAIL_TEXT":"\r\n\u003Cp\u003EБанк России опубликовал среднерыночные и предельные (выше среднерыночных на треть) значения полной стоимости различных видов потребительских кредитов (займов) для кредитных организаций. Показатели рассчитаны отдельно для банков, микрофинансовых организаций (МФО), кредитных потребительских кооперативов, сельскохозяйственных кредитных потребительских кооперативов и ломбардов. Полная стоимость кредита (ПСК) включает ставку, страховку и иные платежи, влияющие на стоимость кредита для заемщика. Ограничение ПСК ввели поправки к закону \u0026laquo;О потребительском кредите\u0026raquo;, принятые в конце 2013 года, но абсолютных значений до сих пор не было. Об этом \u003Ca href=\u0022http:\/\/kommersant.ru\/doc\/2612377\u0022 \u003Eсообщает\u003C\/a\u003E газета «Коммерсант». \u003C\/p\u003E\r\n \r\n\u003Cp\u003E \u003C\/p\u003E\r\n \r\n\u003Cp\u003E В течение 45 дней кредитующим организациям придется привести свою политику в соответствие новым требованиям. Регулятор поясняет, что предельно допустимое отклонение от среднерыночного значения ПСК представляет собой не рекомендуемую, а максимально возможную ставку. К организациям-нарушителям могут быть применены меры надзорного воздействия вплоть до отзыва лицензии. \u003C\/p\u003E\r\n \r\n\u003Cp\u003E \u003C\/p\u003E\r\n \r\n\u003Cp\u003E ЦБ задал ориентиры, основываясь на рыночных данных. Среднерыночное (и соответственно, предельное) значение ПСК ЦБ определяется как средневзвешенное не менее чем по ста крупнейшим кредиторам для той или иной категории потребкредита либо не менее чем по трети кредиторов, предоставляющих эту категорию. \u003C\/p\u003E\r\n \r\n\u003Cp\u003E \u003C\/p\u003E\r\n \r\n\u003Cp\u003E Разброс ставок по потребительским займам оказался очень велик, по отдельным категориям он достигал 12-кратного отклонения от средней величины. \u003C\/p\u003E\r\n \r\n\u003Cp\u003E \u003C\/p\u003E\r\n \r\n\u003Cp\u003E Согласно расчету регулятора, самую высокую ПСК банкиры смогут применять при выдаче кредитов в торговых сетях (POS-кредитов). С 1 января 2015 года предельные значения ПСК по таким ссудам составят от 34,7% до 55% в зависимости от срока и суммы. Автокредиты, предусматривающие залог машины, не смогут стоить дороже 20-31%, нецелевые потребкредиты \u0026mdash; от 21,4 до 46,8% годовых. \u003C\/p\u003E\r\n \r\n\u003Cp\u003E \u003C\/p\u003E\r\n \r\n\u003Cp\u003E Планка для микрофинансовых организаций установлена на гораздо более высоком уровне, максимальная ПСК (заем на сумму до 30 тыс. руб. на срок менее месяца без обеспечения) для этих участников рынка составляет 914,8% годовых. Предельное значение ПСК для ломбардов установлено в размере 86,1% (если залогом по займу служит машина) и 233,2% годовых (при ином виде залога). \u003C\/p\u003E\r\n \r\n\u003Cp\u003E \u003C\/p\u003E\r\n \r\n\u003Cp\u003E Предельные значения ПСК установлены регулятором для I квартала 2015 года, в дальнейшем они будут ежеквартально обновляться. В ЦБ надеются, что применение новой регулятивной практики «приведет к существенному снижению процентных ставок уже в следующем квартале». Но по оценкам участников рынка, массового снижения ставок по потребительским кредитам и займам не произойдет: предельные значения ПСК, рассчитанные регулятором, оказались на уровне ожиданий. \u003C\/p\u003E\r\n \r\n\u003Cp\u003E \u003C\/p\u003E\r\n ","DETAIL_TEXT_TYPE":"html","~DETAIL_TEXT_TYPE":"html","PREVIEW_TEXT":"В POS-кредитвании это 55\u0026#37;, в автокредитах — 31\u0026#37; и при микрофинансовых займах 915\u0026#37;.","~PREVIEW_TEXT":"В POS-кредитвании это 55%, в автокредитах — 31% и при микрофинансовых займах 915%.","PREVIEW_TEXT_TYPE":"text","~PREVIEW_TEXT_TYPE":"text","DETAIL_PICTURE":{"ID":"3525530","TIMESTAMP_X":"01.02.2015 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