Alfa-Bank will need the support of the state
Chairman of the Board of supervisors of the Bank group "Alfa-Bank Petr Aven on the sidelines of the Gaidar forum said that the Bank does not exclude that in 2015 will resort to means of public financial support.
"Yes. In some form it is likely. I don't see any lag in the provision of support (financial sector). We currently banking crisis no group insolvencies of banks no. Large banks firmly feel" - leads TASS words of Mr. Aven. The view was also expressed that the country has already announced support for the banking system.
Alfa-Bank is one of 10 great Russian banks, however, and it's hard going through the results broke out in the Russian Federation financial crisis. So, in the end, the Society for the protection of the rights of consumers (ozpp) began to monetary Ombudsman Pavel Medvedev with a desire to help cash depositors of banks, even Alfa-Bank. According to visitors of banks, who ozpp, some economic organizations were given monetary funds from the cash contribution with a grace period of 7 days or more. In addition, banks urged extra-legal documents for termination of the Deposit agreement.
It is worth paying attention to the fact that the goal at the moment for Alfa-Bank, like many other domestic banks to reduce losses. So, on the day the Bank said that closes the Cabinet in the States and reduces staff in the English office. "We are closing the office sales in new York, which reflects the level of interest in the Russian market", - said the adept Bank Leonid Ignat. According to him, the English office will continue, although there will happen "some changes".
Also, Alfa-Bank has changed the conditions of service of credit cards. "On January 15, 2015, the Commission of Alfa-Bank for withdrawing cash with a credit card at any ATM will constitute 6.9% of the withdrawal amount, a minimum of 500 rubles", - is told in the word Bank.
"Alfa-Bank" in addition to significantly increased rates on mortgage loans in roubles, informs finnews. The proposed program of mortgage lending has not changed.
"The purchase of housing on the secondary market, Buying house (mansion)", "Buying property secured by a dwelling, a Loan secured by the existing housing", "Refinance". Only disappeared Credit secured by a dwelling (for repair)". But lending rates in rubles increased almost in 2 times. Today, mortgage rates of Alfa-Bank account for 19.8-21.6 per cent per annum (previously an 11.7-13.4% p.a. for existing loans).
For example, if previously on loan in 1 million rubles for 10 years with interest rate of 12% per annum interest amount was $ 722 thousand rubles, at a rate of 21% per annum the interest amount will be already 1399 thousand rubles. The monthly payment in the above cases will be 14.3 thousand roubles and 20.0 thousand rubles. In other words, the borrower is in new condition within 10 years will have to pay almost 2.5 cost of the loan and the monthly payment rises almost 1.5 times.
Assume that in this very difficult financial climate there is even 1 person is willing to pay to the Bank the same interest, is extremely difficult. Apparently, specifically the it and planned Bank, establishing a similar interest to no one in the Bank for a mortgage is not requested and the loan was not taken. Hence, formally, the Bank ceased to issue mortgage loans, but in fact, mortgage loans the Bank does not.
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