Recommendations accepted more than 12 times the salaries of anyone eligible to receive consumer credit. KKDF future housing. Shorter-term consumer loans.
The Central Bank and the Banking Regulation and Supervision Agency (BRSA), the results of measures taken to slow down domestic consumption is expected to Dr. Banking Specialist. Senol Babuşçu'dan 4 came the stunning proposal. Babuşçu current account deficit is causing increase in domestic consumption to slow the need for measures to reduce the demand for consumer loans, he said.
Babuşçu, "reduce the demand for credit instead of bank credit to private sector banks in Turkey are taken measures to increase credit costs instead brings from abroad," he said. Babuşçu, economics, risk management measures taken to detect and correct, but additional measures are needed to solve the problem, he said. Here is a brief 4 Babuşçu'nun domestic consumption of the proposal:
Housing credit KKDF
* The BRSA to 75 percent credit for housing, commercial real estate limited 50'yle percent. This is an important step. In addition, retail loans, housing loans, as well KKDF should be 15 percent. In this way, the limit will rise in the cost of the demand for credit fell dramatically kısılacaktır.
Long maturities last
Sınırlandırılmalı 36 months to maturity of consumer loans. This maturity should not be given credit on the consumer. Currently, banks and even 96 months 84 months kullandırıyor-term consumer loans. However, the short duration of consumption. 7-8 years for short-term consumer loans would not be spending time. Consumer spending towards long-term loan you use it excessively. Although the bank loan does not need television, refrigerator renews.
The vehicle for 5 years is enough
Vehicle loans, maturity 60 months to be limited. Kullandırılıyor vehicle loans up to 10 years now. 50 thousand pounds of vehicle you use it for consumer bank loans 120 months vadeyle payment pays around $ 500. However, 5 years of maturity sınırlanınca payment of interest on a thousand lira. Many consumers can not take credit for this amount ödeyemeyeceği. Demand in the fall.
Needed salary rate
Sınırlandırılmalı with 12 times the salary of consumer loans. Currently, wages are 20-24 times the credit. Credit to decrease the amount of credit used 12 sınırlanınca consumption also reduced salary. Thousands of pounds rather than 24 thousand and 12 thousand pounds of pension credit will have to enter the market.
I'll give up the BRSA BUSINESS
Senol Babuşçu, the Central Bank, the banking costs of measures taken recently, the BRSA measures is to increase the costs of the loan, said: "The next period, rather than increase banking costs more need for direct consumption in short measures. In this respect too the Centre to job falls to the BRSA, "he said.
Although an ATTRACTIVE INTEREST RATIOS
Banks Association of Turkey Ersin Özince Chairman, the BRSA and the Central Bank's first bond issue, including the recent decisions taken by the banks is going to believe the positive results, he said. The decisions in the real sector would lead to a conclusion, or do not think consumers will bother to express Özince, "Moreover, the rise in interest rates, even though I still think that the interest rates to remain at very attractive levels," he said. Özince, stable stance today that the management of the banking sector in the economy, he said.
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