In April, Russian banks approved 37.1 percent of retail loans. It is reported by RBC with reference to the National Bureau of Credit Stories (NKBI).
It is argued that this is the maximum indicator since June 2019. At the same time, in comparison with March, the level of approval of applications for all types of loans grew by 1 percent, and from February – by 2.2 percent.
The NBKI explained that credit organizations began to mitigate the requirements for borrowers, since the banks have grew up at risk against the background of stabilization of the economy.
Earlier, director of the financial literacy center of the Netfi of the Ministry of Finance, Anna Harnas listed the reasons that she considers unsuitable to take a loan. According to her, you should not take loans for impulsive purchases, for example, for smartphones, as well as investment and travel.
May 4 lawyers warned Russians about possible punishment by banks for early repayment of the loan. Since 2011, Russian banks are obliged to provide borrowers the right of early repayment of loans without accrualing commissions and additional payments, but there are credit organizations that ignore legislation. If the bank still imposed a fine, it can be challenged in court.