benefits (there are already some for residents of the Far laos telegram data East, there is the “Arctic Mortgage”). But here too we must be careful: large-scale support of programs in regions where there are few jobs is also probably not a very effective idea.
— The Bank of Russia actively uses macroprudential limits in consumer unsecured lending. Is it possible to use them in mortgages?
Yes, we would like to receive the authority t
o set macroprudential limits on mortgages. We don’t have such authority yet, but we will work on it.
In mortgages, we currently reduce risks with macroprudential surcharges: banks that issue higher-risk loans need to have more capital. But for individual banks with a large capital reserve, these measures may not be very effective – they can still issue loans to borrowers with a high debt burden. Macroprudential limits would be a more effective tool, because they directly limit the share of risky loans issued.
— Considering the still high debt burden of many
borrowers, is it possible that we will have a local use sms marketing to drive online orders mortgage default crisis? Not on the same scale as in the US in the late 2000s , of course, but still.
— In the US, several factors led to the crisis, one of them being that a large share of mortgage loans there were issued at floating rates. And when the rates rose, the ao lists loan payment also increased. Many borrowers were unable to pay in the new reality. Banks also suffered significant losses, which led to a large-scale crisis.
