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BackБанк России с 1 октября снижает лимиты по выдаче некоторых видов ссуд закредитованным заемщикам
Банк России с 1 октября снижает лимиты по выдаче некоторых видов ссуд закредитованным заемщикам
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РИА Новости1 hour agoBusiness1 min readRussiaView translation

Банк России с 1 октября снижает лимиты по выдаче некоторых видов ссуд закредитованным заемщикам

банк россиимакропруденциальные лимитыпотребкредиты

Quick Look

  • Банк России с 1 октября снижает лимиты по выдаче некоторых видов ссуд закредитованным заемщикам.
  • Ужесточены значения макропруденциальных лимитов по необеспеченным потребкредитам, особенно по кредитам сроком более 5 лет.
  • ЦБ дополнительно снизил лимиты на выдачи нецелевых ссуд под залог жилья и авто, а также целевых автокредитов, при этом регулирование выдачи ипотечных кредитов оставлено без изменений.

AI-generated summary

Why It Matters

Банк России использует макропруденциальные лимиты для регулирования доли кредитов, которые банки и микрофинансовые организации могут выдавать заемщикам с высокой долговой нагрузкой (более 50% и 80% доходов).

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Банк России с 1 октября снижает лимиты по выдаче некоторых видов ссуд закредитованным заемщикам.

Макропруденциальные лимиты регулируют долю кредитов, которые банки и микрофинансовые организации могут выдавать заемщикам, чья долговая нагрузка по кредитам составляют более 50% и более 80% их доходов.

Так, на четвертый квартал 2026 года ужесточили значения макропруденциальных лимитов по необеспеченным потребкредитам, под крайне жесткие ограничения попали кредиты сроком более 5 лет - их доля в выдачах должна сократиться в пять раз.

Также ЦБ дополнительно снизил лимиты на выдачи банками нецелевых ссуд под залог жилья и авто, а также целевых автокредитам.

Регулирование выдачи ипотечных кредитов оставлено без изменений.

What to Watch

AI outlook — possibilities, not facts

  • Объем выдачи долгосрочных необеспеченных потребительских кредитов сократится в пять раз к концу четвертого квартала 2026 года

    Likely · Within months

  • Спрос на целевые автокредиты и нецелевые ссуды под залог жилья и авто снизится в краткосрочной перспективе

    Possible · Within months

Open Questions

  • Как именно будут измеряться и контролироваться новые лимиты на местах?
  • Какие меры поддержки могут быть предоставлены заемщикам, попавшим под новые ограничения?
  • Как изменятся условия рефинансирования существующих долгов в сведе новых ограничений?

Related Topics

банк россии
OrganizationsБанк России
PlacesРоссия
Topicsмакропруденциальные лимитыпотребкредитыавтокредитызалог жильязалог автозакредитованные заемщики
This article was originally published by РИА Новости.

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