Why the Central Bank intends to withdraw the savings Bank from-under restrictions on the mortgage

The Central Bank will ease restrictions on issuing mortgages with a down payment of 20% for banks, evaluating credit risk based on internal ratings. For a benefit claim savings, it will allow him unlike competitors not to raise rates

Photo: albert Garnelis / TASS

Central Bank develops a normative act, relevant to the particular application of the limits on mortgages with low initial payment (less than 20% of the loan amount) for banks that use the approach to calculation of credit risk based on internal ratings (ISD), told RBC in the press service of the regulator.

Its necessity stems from the fact that in the internal rating models of banks risks inherent in the allowances of the regulator may be partially taken into account, noted in the TSB. The only Russian Bank, which the Central Bank a year ago was allowed to go to PVR, Sberbank.

Indulgence for sensitive borrowers

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