Opposing the expected increase in inflation, interest rates on mortgages and consumer loans, is likely to continue to decrease. Many observers of the retail loans to reflect the idea that average percentage of consumer loans by end of 2011 will amount to 14-16%. If you rely on statistics for 2010, you can safely assume a revival of consumer credit market. Thus, the total loan portfolio Banks recovered nearly 14%, while the number of confirmed mortgages increased by 2,5 times. Amid growing credit market, over the past 14 months, rates on these loans most surely fall. Interest rates on loans is a dynamic substance, their magnitude affect all sorts of reasons: inflation, economic and political situation in the country, the solvency of the population or the risks of banks and financial institutions. Comprehensively analyzed the situation that has developed to date, most analysts predicted the return of lending conditions to pre-crisis levels or by the end of this year or early next. If the trend lower rates will last, then potrebkredity can descend to the level of 14-16% per annum.
Mortgage loans are the same today many credit structure offered by 9-10% per year, and Savings begins on March 8 program "888", under which rate indicated in 8%. In fairness, it should be noted that not all banking deals that existed before the crisis, returned to the market. For example, a rare bank can now offer a large credit limit unsecured loan in cash. A mortgage loans with no down payment, at the moment does not offer one. Nevertheless, for the ordinary layman the prospect of cheap credit, very real. After all, even Two years ago, the interest on any type of lending were to put it mildly, insane. If the credit market will rise to their feet, will earn and the entire financial structure of the country.