In the near future, the average maximum rate on deposits may reach 8%. This forecast was given to Izvestia on Thursday, February 3, by the first vice-president of Opora Rossii, commenting on the data of the Bank of Russia on the dynamics of this indicator.
According to the regulator, published earlier on the same day, the average maximum interest rate on ruble deposits in the 10 largest Russian banks, which attract the largest volume of deposits, in the third decade of January amounted to 7.8%.
As the expert explained, this rate depends on the key rate of the Central Bank of the Russian Federation and its dynamics, and the trend in the key rate is currently upward and will remain so, in his opinion, at least in the next two quarters.
“Banks are forced to revise their rates and raise deposit rates. At the same time, the dynamics of deposit rates lags behind the key rate: it is unprofitable for financial organizations to overpay the population for using money, they have not had problems with funds for a long time, ”Segal noted.
When monitoring rates, the Central Bank used data from Sberbank, VTB, Gazprombank, Alfa-Bank, Rosselkhozbank, FC Otkritie Bank, Raiffeisenbank, Tinkoff Bank, Moscow Credit Bank and Promsvyazbank.
Since February 1, Sberbank has raised mortgage rates on ready-made and housing under construction by 1 percentage point to 10.3%. At the same time, mortgage rates for a family with a child and state-supported mortgages remained at 4.7% and 5.8%, respectively. In addition, at the moment mortgage refinancing is 9.6% per annum.
Source: IZ
Jane Stock is a technology author, who has written for 24 Hours World. She writes about the latest in technology news and trends, and is always on the lookout for new and innovative ways to improve his audience’s experience.
