Central Bank against the bubble. Mortgage may limit

The regulator will take new measures against unsecured mortgages. Market growth in November reached 50-70%

Photo: AGN "Moscow"

Against the backdrop of the Central Bank attempts to limit the issuance of a mortgage, the recent AIZHK strategy , which involves the growth of the market, doubled to 10 trillion rubles, looked strange. The Central Bank also seemed to the department - the department wrote a letter to the head of AIZHK Alexander Plutnik, in which it warned that such growth could lead to the emergence of a bubble dangerous for the banking system. The Central Bank is going to prevent this and will introduce new restrictions on the mortgage market.

• Among the possible restrictive measures - tightening the requirements for loans with the initial contribution of less than 20% and the actual ban on a mortgage without an initial contribution.
• In early November, the Central Bank has already introduced raising coefficients for such loans.
• If these measures do not help, the Central Bank can limit other categories of mortgage lending, Kommersant writes .
• In November 2017, the Russian mortgage market grew by 50-70%, in January-October-by 20% in physical terms and 30% in monetary.
• Mortgage rates remain record -low in history - an average of 9.81% on housing in new buildings and 10.02% - in the secondary market.

What am I to me?

For those who are going to take a mortgage, now a narrow window of capabilities: restrictions of the Central Bank can complicate access to loans. Everyone else needs to hope that the regulator will not allow the appearance of a real bubble on the market-we all remember that it was with it that the world crisis of 2008-2009 began.

MONEY

What the business will talk about with Putin

Today Vladimir Putin will meet with business representatives for the second time in three months - 60 leaders of the largest private and state -owned companies and public associations. Dmitry Peskov assures that the upcoming new sanctions and the election campaign have nothing to do with it. However, as the sources of The Bell said, it was at one of these meetings a half to two years ago that Putin warned businessmen about the possibility of new personal sanctions that could be imposed in February 2018.

We will follow the meeting and in the evening we will try to tell you about its content.

Friedman is a businessman of Forbes

It is not known whether the co-owner of Alfa-Group Mikhail Friedman will be at a meeting with Putin, but he would probably be interested to talk with the president about February sanctions. Today, Russian Forbes recognized Friedman as a businessman of the year, emphasizing that Friedman in 2017 invested in the West $ 5 billion record for Russian entrepreneurs.

In anticipation of the fall

One of the most popular search queries on financial topics in Google in 2017 was the word “bubble” - and it is not so much about bitcoin (which, of course, took one of the first places), but about the stock market. The phrase “bubble in the stock market” was searched for 43.1% more often than in 2016: private investors are concerned about guessing the moment of start of the stock market fall after a 10-year growth no less than Wall Street.

PRACTICE

Who will increase the salary

It is clear that Russian companies for 2018 have no Napoleonic plans for the growth of remuneration to employees. An exception - if you work in an it or an agro -industrial complex where there is a shortage of personnel. In other sectors, salaries will be raised by particularly valuable employees-due to dismissal not very valuable, the HR specialists say.

Crypto accelerators

Where to go with crypto business: Techcrunch disassembles the market for accelerators of blockchain startups. You can be glad for the first WAVES platform of the Russian trader Alexander Ivanov. It offers companies ready -made tools for the release of its token and attracts investors, guaranteeing the safety of transactions. On its own ICO Waves attracted $ 17 million.

Peter Mironenko, The Bell