В Нацбанке решили не усложнять правила получения кредитов

No additional restrictions on loans for Kazakhstanis will be introduced. The National Bank has decided to maintain the current requirements for borrowers' debt burdens. Instead of tightening the screws on loans, the focus will be on supporting the real sector of the economy. Anastasia Novikova will explain in more detail. New rules for assessing Kazakhstanis' debt burdens were supposed to come into effect in July. However, the National Bank has decided not to tighten the screws. According to Chairman Timur Suleimenov, the current economic situation does not require additional restrictions for borrowers. Previously adopted measures have already slowed the growth of unsecured lending, a factor driving inflation. TIMUR SULEIMENOV, Chairman of the National Bank of Kazakhstan: Based on an analysis of the results of measures already taken, we have made a joint decision to abandon the tightening of requirements for the debt burden ratio and the long-term debt burden ratio, as well as not to reduce the annual effective mortgage interest rate. Experts consider this decision logical. According to analyst Marat Kairlenov, the economy is losing hundreds of billions in revenue due to the cooling lending market. The logic is simple: fewer loans, fewer purchases, and lower business revenues. This situation was influenced by both previous restrictions and the new tax code. MARAT KAIRLENOV, Director of ULAGAT CONSULTING GROUP LLC: Citizens are buying goods and services, which translates into sales for businesses. Businesses are seeing declining sales, and they are also laying off employees. Loans issued are a component of aggregate demand in the economy, a significant element. Therefore, when they tighten requirements significantly, banks will be unable to issue loans, and consequently, people will be unable to purchase goods and services. At the same time, the National Bank's main goal—to contain inflation—remains unchanged. To this end, the regulator is pursuing a moderately tight monetary policy to prevent demand from driving up prices. ZHANYBEK AYGAZIN, General Director of AERC: Real household incomes are stagnating. The population isn't earning enough to meet its needs. As a result, they are forced to take out loans, including overdue ones. They have lifted further requirements to tighten credit scoring for the population, so as not to dampen demand too severely. Authorities will now monitor the borrowing market. The situation will also be affected by the National Bank's next decision on the base rate, which will be announced on July 24. #Informburo #31arna #BastyZhaңalyқtar #News #31kanal