that mortgage risks have vietnam telegram data decreased. Therefore, in mid-February, we reduced the premiums on loans with a DTI of less than 70%. The capital buffer for mortgages will continue to accumulate, but more slowly. This will give banks additional resources for lending.
— What do you think about installment payments when selling housing? Will you ban it?
—People sign installment agreements
with developers, not with banks, and such prohibitions are beyond our authority. But we urge you to take the risks of this method of buying housing very seriously. If the installment plan is taken by a person who already has the entire amount (for example, funds in deposits), then there are no problems. But if the buyer actually does not have money, and he signs an installment agreement in the expectation of getting a mortgage in a year or two, then the risks, in our opinion, are high.
The income turns out to be less than
the person expects, the mortgage may shipping preparation not be approved, and he will have to deal with the developer, and the already paid contributions may be lost. Or the loan will be approved, but with alb directory monthly payments that will be beyond his means. We advise everyone, without exception, to carefully plan their finances and not make unaffordable purchases.
