Банки слишком медленно снижают ставки

Банки слишком медленно снижают ставки

Валерий Козлов назначен исполняющим обязанности президента РАН

11:08

Депутат Рашкин просит силовиков проверить «возможную коррупционную деятельность» Медведева

09:47

Контракт на поставку Индии 48 российских вертолетов будет заключен в 2017 году

05:20

США сообщили о неудачном пуске ракеты КНДР

08:14

Французские СМИ: Фийон за деньги организовал встречу ливанского миллиардера с Путиным

11:59

Андрей Кикоть утвержден на посту заместителя генпрокурора России

11:47

СМИ сообщили о возможной причастности банка ING к делу о взятках Vimpelcom

11:45

Госдума приняла закон о праве попавших под санкции лиц отказываться от налогового резидентства РФ

11:24

Microsoft выпустила особую версию Windows 10 для властей Китая

10:29

LG Electronics создаст свою мобильную платежную систему

10:14

Дело обвиняемого в оправдании терроризма имама московской мечети направлено в суд

10:03

Минкультуры не рассматривает возможность слияния РГБ и РНБ

09:39

Apple представила красный iPhone 7 и новый iPad

09:33

КПРФ предлагает погашать задолженности по зарплате со специальных счетов

09:01

Дело члена Меджлиса крымскотатарского народа Ильми Умерова передано в суд

ещё

все новости

Подробно

Банки слишком медленно снижают ставки

Фото:
Олег Харсеев /

Коммерсантъ

Сбербанк объявил о снижении ставок по ипотеке, задав общий тренд рынку. Другие игроки ипотечного рынка вынуждены идти на аналогичные меры, чтобы не проиграть в конкуренции за клиента. Впрочем, пока снижение скорее формальное, а уровень ставок по-прежнему слишком высок для того, чтобы ипотека стала доступным продуктом для широких слоев населения.

В пятницу Сбербанк сообщил о снижении ставок по ипотеке с 20 февраля на 1,1 п. п. В результате при приобретении недвижимости на первичном рынке процентная ставка по кредиту составит 10,9%, на вторичном рынке — 10,75-12,25% годовых. По словам директора управления по работе с партнерами и ипотечного кредитования Сбербанка Николая Васева, Сбербанк заметно снижает ставки по ипотеке, потому что понимает, насколько важно решение квартирного вопроса в условиях современной жизни.

Впрочем, эксперты видят в действиях Сбербанка не только социальный аспект. По словам специалистов аналитического центра Агентства по ипотечному жилищному кредитованию (АИЖК), наблюдаемая макроэкономическая динамика, интенсивный рост индексов деловой активности, укрепление рубля увеличивают вероятность принятия Банком России решения о снижении ключевой ставки уже на ближайшем мартовском заседании. «Некоторые банки стараются действовать на опережение и уже сейчас привлечь заемщиков более низкими ставками и нарастить свою рыночную долю»,— отмечают в агентстве.

Для Сбербанка увеличение доли на ипотечном рынке — актуальная задача. Программа субсидирования ипотеки, которая завершилась 31 декабря 2016 года, позволила многим банкам конкурировать с лидером рынка по ставкам за счет госсубсидий. В результате, по данным АИЖК, за десять месяцев 2016 года доля Сбербанка на рынке ипотеки (по объему выданных кредитов) сократилась с 57,5% до 49,1%. По данным самого Сбербанка по итогам 2016 года, его рыночная доля по выдачам ипотеки составила 48%.

При этом действовать на опережение Сбербанку позволяет низкая стоимость фондирования. Согласно международной отчетности Сбербанка за девять месяцев 2016 года (более поздние данные недоступны), стоимость фондирования Сбербанка составила 4,6% годовых, в то время как по данным АИЖК за тот же период стоимость фондирования банковского сектора в целом — 8,6% годовых.

Когда у банка стоимость пассивов не превышает 5%, он, пользуясь своим положением, может демпинговать рынок, отмечают банкиры. Чтобы не проиграть конкурентную борьбу за клиентов, другие банки вынуждены следовать примеру Сбербанка, даже если на данном этапе у них этого в планах не было. «Банки группы ВТБ, выдающие ипотеку, внимательно следят за ситуацией на рынке,— сообщил представитель ВТБ.— Вопрос о возможном изменении процентных ставок обсуждается». В Россельхозбанке сообщили, что планируют снизить ипотечные ставки на 1 п. п. с 22 февраля. «Мы будем следить за тем, как отреагирует рынок, и исходя из этого решать, как нам реагировать»,— сообщил член правления Газпромбанка Валерий Серегин.

Впрочем, по мнению экспертов, нынешнее снижение ставок скорее формальность. И для «решения квартирного вопроса» в России, а именно такую цель декларирует Сбербанк, этого явно недостаточно. По словам главного экономиста компании «ПФ Капитал» Евгения Надоршина, ипотека остается запретительно неинтересным продуктом, особенно если учесть снижающиеся доходы населения. «Если раньше люди могли взять ссуду на 10-15 лет и выплатить за три-пять, то сейчас досрочное погашение стало роскошью,— отмечает он.— В нынешних условиях при снижении ключевой ставки и нацеленности на снижение инфляции, ставки по ипотеке должны быть на уровне 7-8%». В то же время, по его прогнозам, несмотря на ожидаемое удешевление пассивов, для банков к концу года ставки по ипотеке снизятся лишь до 9% годовых. «Подстегивая сейчас клиентов к оформлению ипотеки, участники рынка обеспечивают себе длинные кредиты, маржа от которых после снижения ключевой ставки, а соответственно, и процентов по вкладам станет еще выше»,— заключает эксперт.

Текущее снижение ставок будет на руку в основном тем клиентам, кто ранее решился взять ипотеку по более высоким ставкам. «Крупные банки борются за сохранение и увеличение доли, в этом году высока вероятность перекредитования населения,— говорит гендиректор аналитического агентства Frank research group Юрий Грибанов.— Довольно много клиентов брали ипотеку в 2015 году, когда ставка подскочила до 13-14%, и выгодные предложения могут замотивировать их рефинансировать ипотеку на более привлекательных условиях».

Источник: kommersant.ru

cript>

129 комментариев

I as well as my guys ended up reviewing the excellent solutions found on the blog then instantly got a horrible feeling I never thanked the website owner for those strategies. All of the ladies happened to be consequently passionate to study them and have now clearly been having fun with them. Many thanks for being indeed helpful and also for choosing varieties of brilliant things millions of individuals are really desperate to learn about. Our own honest regret for not saying thanks to earlier.

Oh my goodness! Amazing article dude! Thanks, However I am encountering difficulties with your RSS. I don’t understand why I can’t subscribe to it. Is there anyone else having similar RSS problems? Anybody who knows the answer will you kindly respond? Thanks!!|

hi!,I really like your writing so much! share we communicate more approximately your post on AOL? I need an expert on this house to resolve my problem. May be that’s you! Having a look ahead to look you. |

Hey there! Someone in my Myspace group shared this site with us so I came to check it out. I’m definitely enjoying the information. I’m bookmarking and will be tweeting this to my followers! Outstanding blog and fantastic design and style.|

Simply desire to say your article is as astounding. The clearness in your post is just cool and i could assume you are an expert on this subject. Well with your permission allow me to grab your feed to keep up to date with forthcoming post. Thanks a million and please keep up the rewarding work.|

Have you ever thought about including a little bit more than just your articles? I mean, what you say is valuable and everything. But imagine if you added some great visuals or video clips to give your posts more, «pop»! Your content is excellent but with pics and clips, this blog could certainly be one of the most beneficial in its field. Good blog!|

You really make it seem so easy with your presentation but I find this topic to be really something which I think I would never understand. It seems too complicated and extremely broad for me. I am looking forward for your next post, I’ll try to get the hang of it!|

Nice post. I used to be checking constantly this blog and I’m inspired! Extremely helpful information particularly the ultimate section 🙂 I care for such information a lot. I used to be looking for this particular information for a long time. Thank you and best of luck. |

Hey there I am so grateful I found your blog, I really found you by accident, while I was looking on Bing for something else, Regardless I am here now and would just like to say thanks a lot for a incredible post and a all round thrilling blog (I also love the theme/design), I don’t have time to read through it all at the minute but I have book-marked it and also added in your RSS feeds, so when I have time I will be back to read a great deal more, Please do keep up the excellent work.|

Hey there, I think your site might be having browser compatibility issues. When I look at your blog site in Chrome, it looks fine but when opening in Internet Explorer, it has some overlapping. I just wanted to give you a quick heads up! Other then that, fantastic blog!|

Yesterday, while I was at work, my sister stole my apple ipad and tested to see if it can survive a twenty five foot drop, just so she can be a youtube sensation. My apple ipad is now destroyed and she has 83 views. I know this is totally off topic but I had to share it with someone!|

Greetings, There’s no doubt that your web site could possibly be having internet browser compatibility issues. When I take a look at your blog in Safari, it looks fine however, when opening in Internet Explorer, it’s got some overlapping issues. I simply wanted to give you a quick heads up! Besides that, excellent blog!|

I do not know whether it’s just me or if perhaps everybody else experiencing problems with your site. It appears as if some of the text on your content are running off the screen. Can someone else please provide feedback and let me know if this is happening to them as well? This might be a problem with my web browser because I’ve had this happen before. Many thanks|

Thanks for the marvelous posting! I really enjoyed reading it, you could be a great author. I will be sure to bookmark your blog and will often come back someday. I want to encourage you to definitely continue your great job, have a nice morning!|

You really make it seem really easy with your presentation but I in finding this topic to be actually one thing that I feel I’d by no means understand. It sort of feels too complicated and extremely extensive for me. I’m taking a look forward on your subsequent post, I will attempt to get the cling of it!|

It’s the best time to make some plans for the longer term and it is time to be happy. I have read this post and if I may I want to suggest you some interesting issues or suggestions. Perhaps you could write subsequent articles regarding this article. I desire to read more issues approximately it!|

Hi there this is kinda of off topic but I was wanting to know if blogs use WYSIWYG editors or if you have to manually code with HTML. I’m starting a blog soon but have no coding skills so I wanted to get advice from someone with experience. Any help would be enormously appreciated!|

Unquestionably believe that which you said. Your favorite justification seemed to be on the internet the simplest thing to be aware of. I say to you, I definitely get annoyed while people think about worries that they plainly don’t know about. You managed to hit the nail upon the top and also defined out the whole thing without having side-effects , people can take a signal. Will likely be back to get more. Thanks|

I know this if off topic but I’m looking into starting my own weblog and was curious what all is required to get set up? I’m assuming having a blog like yours would cost a pretty penny? I’m not very web savvy so I’m not 100% positive. Any suggestions or advice would be greatly appreciated. Appreciate it|

First off I want to say great blog! I had a quick question that I’d like to ask if you don’t mind. I was curious to find out how you center yourself and clear your head before writing. I’ve had a tough time clearing my mind in getting my thoughts out. I do enjoy writing but it just seems like the first 10 to 15 minutes are usually wasted just trying to figure out how to begin. Any suggestions or tips? Many thanks!|

I like the helpful information you provide in your articles. I will bookmark your weblog and check again here frequently. I am quite certain I will learn plenty of new stuff right here! Good luck for the next!|

Hey I am so grateful I found your web site, I really found you by error, while I was looking on Google for something else, Anyhow I am here now and would just like to say cheers for a remarkable post and a all round interesting blog (I also love the theme/design), I don’t have time to look over it all at the minute but I have saved it and also added your RSS feeds, so when I have time I will be back to read a lot more, Please do keep up the superb work.|

First of all I would like to say superb blog! I had a quick question that I’d like to ask if you do not mind. I was curious to know how you center yourself and clear your head prior to writing. I’ve had a tough time clearing my thoughts in getting my ideas out. I truly do enjoy writing but it just seems like the first 10 to 15 minutes are wasted simply just trying to figure out how to begin. Any recommendations or tips? Appreciate it!|

Hi there, just became aware of your blog through Google, and found that it is truly informative. I’m gonna watch out for brussels. I will be grateful if you continue this in future. A lot of people will be benefited from your writing. Cheers!|

Good day! I could have sworn I’ve been to this website before but after going through some of the posts I realized it’s new to me. Regardless, I’m certainly pleased I found it and I’ll be book-marking it and checking back often!|

You’re so cool! I do not think I have read through anything like that before. So great to discover another person with some genuine thoughts on this issue. Really.. thank you for starting this up. This website is one thing that’s needed on the web, someone with a bit of originality!|

I like the helpful information you provide to your articles. I’ll bookmark your blog and take a look at again right here frequently. I’m moderately sure I’ll learn a lot of new stuff proper here! Best of luck for the following!|

Great items from you, man. I have be aware your stuff previous to and you’re just too magnificent. I actually like what you’ve got right here, certainly like what you’re stating and the way in which you are saying it. You’re making it entertaining and you still take care of to keep it smart. I cant wait to learn far more from you. This is actually a terrific web site.|

Amazing blog! Do you have any hints for aspiring writers? I’m hoping to start my own site soon but I’m a little lost on everything. Would you suggest starting with a free platform like WordPress or go for a paid option? There are so many options out there that I’m completely overwhelmed .. Any suggestions? Thanks!|

Hi there, just became aware of your blog through Google, and found that it’s truly informative. I am gonna watch out for brussels. I will appreciate if you continue this in future. Many people will be benefited from your writing. Cheers!|

Hi! I realize this is somewhat off-topic but I needed to ask. Does managing a well-established website such as yours take a lot of work? I am brand new to running a blog but I do write in my journal everyday. I’d like to start a blog so I will be able to share my own experience and feelings online. Please let me know if you have any ideas or tips for brand new aspiring bloggers. Thankyou!|

Do you have a spam problem on this blog; I also am a blogger, and I was curious about your situation; many of us have created some nice practices and we are looking to trade strategies with others, be sure to shoot me an e-mail if interested.|

You could certainly see your enthusiasm within the article you write. The arena hopes for even more passionate writers like you who are not afraid to mention how they believe. All the time follow your heart.|

I’m amazed, I have to admit. Rarely do I encounter a blog that’s equally educative and amusing, and without a doubt, you’ve hit the nail on the head. The problem is something which too few people are speaking intelligently about. I am very happy I stumbled across this in my hunt for something relating to this.|

I’m amazed, I must say. Rarely do I encounter a blog that’s both equally educative and interesting, and without a doubt, you’ve hit the nail on the head. The issue is something that not enough people are speaking intelligently about. I’m very happy that I found this in my search for something regarding this.|

I believe that is among the most important information for me. And i’m glad studying your article. However wanna commentary on some common issues, The site taste is perfect, the articles is actually excellent : D. Excellent process, cheers|

Thanks for every other informative web site. Where else may I get that type of info written in such a perfect manner? I have a venture that I’m just now running on, and I have been at the look out for such information.|

Hello this is kind of of off topic but I was wondering if blogs use WYSIWYG editors or if you have to manually code with HTML. I’m starting a blog soon but have no coding experience so I wanted to get guidance from someone with experience. Any help would be enormously appreciated!|

Hey there! Quick question that’s completely off topic.
Do you know how to make your site mobile friendly?

My website looks weird when viewing from my iphone 4.
I’m trying to find a template or plugin that might be able to fix this problem.
If you have any recommendations, please share. Many thanks!

Its such as you read my mind! You appear to know a lot approximately this, such as you wrote the e-book in it
or something. I believe that you simply could do with
a few % to power the message home a little bit, but instead of that,
that is wonderful blog. An excellent read. I will definitely be back.

I absolutely love your blog and find a lot of your post’s to be precisely what I’m
looking for. can you offer guest writers to write content available for
you? I wouldn’t mind producing a post or elaborating on a lot of the subjects you write related to here.
Again, awesome website!

Hello There. I discovered your weblog using msn. That is an extremely neatly written article.
I’ll be sure to bookmark it and come back to
read more of your useful information. Thank you for the post.
I will certainly comeback.

I know this if off topic but I’m looking into starting my own weblog and was curious what
all is needed to get set up? I’m assuming having a blog like yours would cost a pretty penny?
I’m not very internet smart so I’m not 100% sure.
Any tips or advice would be greatly appreciated. Thank you

Howdy! Quick question that’s totally off topic. Do you
know how to make your site mobile friendly? My weblog looks weird when browsing from my iphone4.
I’m trying to find a theme or plugin that might be able to correct this issue.
If you have any recommendations, please share. Many thanks!

Please let me know if you’re looking for a article author for your
blog. You have some really great posts and I believe I would be
a good asset. If you ever want to take some
of the load off, I’d really like to write some content for your blog in exchange for a link
back to mine. Please shoot me an email if interested.
Many thanks!

Добавить комментарий

*