While
illegal and even legal advertising checker attractive proposals for quick and easy, and because suspicious cash, credit, banks have been slow to change the advertising of deposits at all, until recently all of the usual loans. Instead - a strange non-bank advertising credits under unprecedented fast now 10% per annum. To get from one to one hundred thousand hryvnia without outpost - only a passport.
Who and where gives these loans on colorful poster - not a word. Only a proposal to send a SMS to number four, that you immediately contact the operator. And at the bottom of the poster - tiny letters - advice offered by the company from the regions. Cost of SMS - 15 hryvnia. That is, the small fee here can only offer advice on where to get a loan.
But today
consumer loans without trick, and the more so by 10% per annum - as they say, and the afternoon with fire not syschesh. No, in principle, bank consumer lending in Ukraine still exists, but not in the forms and amounts, that up to the crisis. Banks are now basically only offer services to restructure the loans already. And those that are issued and new, as you know, asked to not only pass with the identification code as well and help with the work, together with information about the position, duration of work and income for the past six months, even native instruments. To make the course, and insurance purchased goods.
And then for a long time will weigh all possible risks, on which it depends, will give credit or not.
At present we can state that the situation in the credit market is still unpredictable, - says Day of Member of the Universal Bank Igor Doroshenko. - Now the banks are aimed at preserving its own liquidity and credit in the current environment is a risk for them. And while we can see some positive trends, such as strengthening the national currency, the full credit still too early to say.
To restore the normal functioning of the banking sector will take time, and contribute to the development of positive trends, such as the strengthening of the economy and policy, with the compulsory involvement of the authorities. Therefore, according to the banker, is already evident that in the next six months, major changes will not happen .
Of course, many people wished to await the resumption of more or less profitable lending and quickly. But the prospect of wait a crisis, and again for the loan may or may not materialize at all … First, banks have not yet been sorted out earlier, and willing to take the money at high interest rates are unlikely to find enough. And secondly, according to bankers, even the slightest, but the hope may be to kill the initiative to resolve the legal market.
Recently Verkhovna Rada has banned giving individuals credit for non-monetary goals, adoptedthe Law On amending some legislative acts of Ukraine in order to overcome the negative effects of the financial crisis. A people's deputy of Ukraine Valery Pisarenko presented the journalists his bill on the introduction of bankruptcy proceedings of individuals. He suggested consideration of the public initiative to, in effect, select the gray business opportunity bankrupt individuals. At present, according to the deputy, even an official advertisement in the center of the capital checker slogans for 6 thousand dollars do not need to pay a loan.
Pysarenko also offers an opportunity to escape those citizens who are caught in the credit slavery, the charm of which as the deputy encountered personally. If you look at the world experience, the procedure of bankruptcy of physical persons now drawn a great number of people as a lifebuoy in the financial world, who storms … The procedure of bankruptcy in the world allows you to do two things: to reopen the debtor's solvency, and to satisfy claims of creditors. The - remove the debt burden to a natural person not to keep him in slavery from the creditor life. We want to offer to leave the debtor the right to housing and the minimum required level of affluence. And put the remaining funds to pay off debts … We need to ensure the rights of creditors and that we had not had an avalanche of bankruptcies dishonest - says Valery Pisarenko.
But if the debtor, such initiative warms the soul, the bankers are not much encouraged by the still only promises to ensure the rights of creditors, that there was no avalanche of abusive bankruptcies.
Today, bankruptcy is given as care of any debts to the bank … In our country, it can turn that will provide a window of unscrupulous lenders out of debt. I'm not saying that we do not need a bankruptcy law. But it must be approached very cautiously. Because that way we can dizbalansirovat system - said the head of government UkrSibbank Sergei Naumov. - recently passed the first reading of the law, which imposes a moratorium on the alienation of property, which undermines, in our opinion, the foundation's banking system. Do you think tomorrow we are going to finance a mortgage, we are not going to do it. If the rules are changing on the fly, who will invest?
According to Naumov, today also happens fictitious bankruptcy. People registered as business entity and declared themselves bankrupt, the transfer of all assets in the front face. A bank is not so. With this though and fought, but had to seriously due to the imperfection of the judicial system, complaining about the banker.
How soon the market will respond after the possible adoption of the law? The market is unlikely to respond immediately, but we will get an additional surge in defaults. And above all - unscrupulous borrowers - predicts Navumau, answering the question Day. - We give credit, but their volume is not so big, so you can talk about numbers . I think that with the adoption of this law the situation will remain unchanged. But if you do not take everything will depend on the economic situation … And the problem - what to give. In the currency to individuals - will not. Let us in hryvna: Does a pulling rate which is today? But I think that while this law is better not to implement. In a crisis, then you can ponder the lessons of the errors, and seriously work on this project. Now this can only be worse.
But Deputy
Pysarenko about the fate of his bill optimistic. According to him, Bill has supported the VR Committee for legal policy, and now have consultations with factions of the parliament with the aim of recruiting the necessary number of votes. If not for this session, then the next, I hope, will hold … - Byutovets said.
Alex Savitsky
Europe vs. United States
Review of the FOREX market for 01.07.09
Yesterday, a pair of Euro /dollar rose in the U.S. session to 1.4199
European companies are increasingly using bonds as a funding source
Victor Lozinsky prepared surrender
The ECB will keep rates unchanged, will have to consider other measures
The continued drift of the oil and gas sector in the paper does not allow for successful restoration of Russian market
The potential for reducing the cost of the shares of Sberbank is about 6.7% to 36.8 rubles
The nearest support for futures on RTS index is currently situated in the vicinity of 93 500-94 000 points
Will any other loan?
While
illegal and even legal advertising checker attractive proposals for quick and easy, and because suspicious cash, credit, banks have been slow to change the advertising of deposits at all, until recently all of the usual loans. Instead - a strange non-bank advertising credits under unprecedented fast now 10% per annum. To get from one to one hundred thousand hryvnia without outpost - only a passport.
Who and where gives these loans on colorful poster - not a word. Only a proposal to send a SMS to number four, that you immediately contact the operator. And at the bottom of the poster - tiny letters - advice offered by the company from the regions. Cost of SMS - 15 hryvnia. That is, the small fee here can only offer advice on where to get a loan.
But today
consumer loans without trick, and the more so by 10% per annum - as they say, and the afternoon with fire not syschesh. No, in principle, bank consumer lending in Ukraine still exists, but not in the forms and amounts, that up to the crisis. Banks are now basically only offer services to restructure the loans already. And those that are issued and new, as you know, asked to not only pass with the identification code as well and help with the work, together with information about the position, duration of work and income for the past six months, even native instruments. To make the course, and insurance purchased goods.
And then for a long time will weigh all possible risks, on which it depends, will give credit or not.
At present we can state that the situation in the credit market is still unpredictable, - says Day of Member of the Universal Bank Igor Doroshenko. - Now the banks are aimed at preserving its own liquidity and credit in the current environment is a risk for them. And while we can see some positive trends, such as strengthening the national currency, the full credit still too early to say.
To restore the normal functioning of the banking sector will take time, and contribute to the development of positive trends, such as the strengthening of the economy and policy, with the compulsory involvement of the authorities. Therefore, according to the banker, is already evident that in the next six months, major changes will not happen .
Of course, many people wished to await the resumption of more or less profitable lending and quickly. But the prospect of wait a crisis, and again for the loan may or may not materialize at all … First, banks have not yet been sorted out earlier, and willing to take the money at high interest rates are unlikely to find enough. And secondly, according to bankers, even the slightest, but the hope may be to kill the initiative to resolve the legal market.
Recently Verkhovna Rada has banned giving individuals credit for non-monetary goals, adoptedthe Law On amending some legislative acts of Ukraine in order to overcome the negative effects of the financial crisis. A people's deputy of Ukraine Valery Pisarenko presented the journalists his bill on the introduction of bankruptcy proceedings of individuals. He suggested consideration of the public initiative to, in effect, select the gray business opportunity bankrupt individuals. At present, according to the deputy, even an official advertisement in the center of the capital checker slogans for 6 thousand dollars do not need to pay a loan.
Pysarenko also offers an opportunity to escape those citizens who are caught in the credit slavery, the charm of which as the deputy encountered personally. If you look at the world experience, the procedure of bankruptcy of physical persons now drawn a great number of people as a lifebuoy in the financial world, who storms … The procedure of bankruptcy in the world allows you to do two things: to reopen the debtor's solvency, and to satisfy claims of creditors. The - remove the debt burden to a natural person not to keep him in slavery from the creditor life. We want to offer to leave the debtor the right to housing and the minimum required level of affluence. And put the remaining funds to pay off debts … We need to ensure the rights of creditors and that we had not had an avalanche of bankruptcies dishonest - says Valery Pisarenko.
But if the debtor, such initiative warms the soul, the bankers are not much encouraged by the still only promises to ensure the rights of creditors, that there was no avalanche of abusive bankruptcies.
Today, bankruptcy is given as care of any debts to the bank … In our country, it can turn that will provide a window of unscrupulous lenders out of debt. I'm not saying that we do not need a bankruptcy law. But it must be approached very cautiously. Because that way we can dizbalansirovat system - said the head of government UkrSibbank Sergei Naumov. - recently passed the first reading of the law, which imposes a moratorium on the alienation of property, which undermines, in our opinion, the foundation's banking system. Do you think tomorrow we are going to finance a mortgage, we are not going to do it. If the rules are changing on the fly, who will invest?
According to Naumov, today also happens fictitious bankruptcy. People registered as business entity and declared themselves bankrupt, the transfer of all assets in the front face. A bank is not so. With this though and fought, but had to seriously due to the imperfection of the judicial system, complaining about the banker.
How soon the market will respond after the possible adoption of the law? The market is unlikely to respond immediately, but we will get an additional surge in defaults. And above all - unscrupulous borrowers - predicts Navumau, answering the question Day. - We give credit, but their volume is not so big, so you can talk about numbers . I think that with the adoption of this law the situation will remain unchanged. But if you do not take everything will depend on the economic situation … And the problem - what to give. In the currency to individuals - will not. Let us in hryvna: Does a pulling rate which is today? But I think that while this law is better not to implement. In a crisis, then you can ponder the lessons of the errors, and seriously work on this project. Now this can only be worse.
But Deputy
Pysarenko about the fate of his bill optimistic. According to him, Bill has supported the VR Committee for legal policy, and now have consultations with factions of the parliament with the aim of recruiting the necessary number of votes. If not for this session, then the next, I hope, will hold … - Byutovets said.
Alex Savitsky
Europe vs. United States
Review of the FOREX market for 01.07.09
Yesterday, a pair of Euro /dollar rose in the U.S. session to 1.4199
European companies are increasingly using bonds as a funding source
Victor Lozinsky prepared surrender
The ECB will keep rates unchanged, will have to consider other measures
The continued drift of the oil and gas sector in the paper does not allow for successful restoration of Russian market
The potential for reducing the cost of the shares of Sberbank is about 6.7% to 36.8 rubles
The nearest support for futures on RTS index is currently situated in the vicinity of 93 500-94 000 points