From 18 July the savings Bank has launched a summer promotion, in which interest rates on consumer loans declined to 2 percentage points as a result of minimal rate for consumer credit under the guarantee of physical persons, now amounts to 13.9% per annum, and for the consumer loan without collateral – 14.9% per annum. Rates are valid for loans in the amount of 400 thousand RUB.
Director of retail non-transactional products Sberbank Natalia alymova said a recovery in demand for consumer loans. So, for the first half of the volume issued to citizens of loans increased almost two times compared to the same period last year, ” she says. According to the forecast Alymova, a new campaign will make loans even more affordable.
This is the second reduction in rates on the retail credits of the savings Bank in recent months. May 16, Sberbank lowered the rates on consumer loans by 1.1–4.1%, and in the end the range of rates on secured loans totaled 14.9–22.9% and on loans without collateral — 15,9–23,9%. Then the Bank said that lowering interest rates in the economy and financial markets even when unchanged the key rate of the Central Bank. “Sberbank is responding to this trend, comprehensive solution, reducing rates not only on deposits but also loans,” — noted in the message. After the last rate cut, the average daily volume of loans grew by more than 15%, – said Natalya alymova.
The last reduction of interest rates on deposits occurred on 7 July. Then the savings Bank has lowered rates on ruble deposits in the total range of 0.35-1,15 p. p. depending on the time and type of deposits. Also 0.55–1.3 p. p. was reduced rates on savings certificates. According to information on the website of Sberbank, the maximum yield on the Deposit “Keep” in rubles in the end was 6.75% excluding the capitalization of interest. Earlier, in April, the maximum yield on the Deposit was reduced to 7.55%.
From 12 July the savings Bank has lowered rates on mortgage loans by 0.5 p. p. the betting Range is now 12-14% per annum.