Share of unsecur loans or crits that lenders can new zealand telegram data issue. per quarter) also not apply to loans of this category?
— We have no such plans yet. The discussion of the new category was held specifically . The context of the PSC. Banks will have to comply with macroprudential limits on such loans. Currently, they can issue up to 30% of loans to borrowers with a DTI of 50–80%, and no more h a DTI over 80%. Such limits make it quite possible to lend to this category of borrowers.
Since October, the regulator has really tighten
The limits on unsecur lending, extending them to. Borrowers with a DTI of 50%; previously, the restrictions appli to the 80+ category. What are your next steps — will you tighten. Them even why you should include sms marketing campaigns in your funnel more or, on the contrary, begin to soften them?
— We are currently updating our instruction, according
to which the Bank of Russia sets the MPL. In September, we post the plann changes on the website as part of the regulatory impact assessment. We propose to clarify the risk factors for increasing the debt burden of borrowers, which are taken into account by the Board of Directors when setting the MPL. It is assum that if ao lists the share of loans with a DTI above 50% accounts for more than 20% in the structure of issu loans, then this already indicates an accumulation of risks.
