Ukrainian started more to borrow than to return
Banks increased their lending volume for the first time of this year in July. Therefore, the loan portfolio increased by 347 million hryvnia (0.2%) reported ‘Komersant-Ukraine’ with reference to the National Bank. This situation was fixed a year ago for the last time - in August 2011.
Such dynamics, according to market participants, happens mainly at the expense of car loans and mortgages. Unsecured loans are the most attractive for banks.
The average interest rate of loan for the purchase of goods amounts 67.43%, cash loan - 52.61%, indicate experts. The factors that stimulate the lending are: the emergence of new players on the service market, increase of revenues after the change of social standards and the payment to Oshchadbank depositors.
However, these experts suggest not to count on the further increase of lending because many banks raise bets and very few borrowers will withstand such a pressure.
The average rate on mortgages reaches 19.61%, auto loans 18.2%.
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