Decision/Unclassified
Adopted
Bank of Russia sets macroprudential limits for Q1 2027 on long-term car loans and car-secured consumer loans
The Bank of Russia set macroprudential limits for Q1 2027 on long-term targeted car loans and auto-secured consumer loans to stop banks from understating borrowers' debt burden and to curb rising credit risk.
Actors and targets
Targets целевых автокредитов со сроком возврата более 7 летitemнецелевых потребительских кредитов под залог автомототранспортных средств со сроком возврата более 5 летitem
Source
Банк России установил на I квартал 2027 года МПЛ на выдачи целевых автокредитов со сроком возврата более 7 лет и на выдачи нецелевых потребительских кредитов под залог автомототранспортных средств со сроком возврата более 5 лет.
Extracted detail
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- Issued by
- Bank of Russia
- Rationale
- Longer loan terms let banks artificially lower monthly payments and understate the borrower's debt burden (PDN), enabling circumvention of limits on lending to highly indebted borrowers, and raise credit risk as borrower finances and collateral liquidity/value may deteriorate over time.
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