statement
An increase in the loan term is associated with growing credit risks: the probability of a change in the borrower's financial position during the loan term rises, and over time the liquidity and value of the collateral may decline.
A statement by Банк России. Statements are as reported by the cited publishers — not verified by DecisionGateway.
Кроме этого, увеличение срока кредитования сопряжено с ростом кредитных рисков: повышается вероятность изменения финансового положения заемщика в течение срока действия кредита, со временем может снижаться ликвидность и стоимость залогового имущества.
Discussion
Related claims
A nominal increase in the loan term allows banks to artificially reduce the size of the loan payment and understate the borrower's debt burden indicator (DBI), which creates conditions for circumventing the established restrictions on lending to borrowers with elevated debt burden.Банк России · allegationSeasonally adjusted, cash loan indicators point to gradual growth in lending, but without much acceleration.truecon · statementFrom a valuation and crowding trading perspective, long-end bond yields are already at historical lows and duration is crowded, meaning the risk-reward ratio has declined; once there is a negative disturbance, volatility will significantly amplify.付裕 · statementThere is a risk of a debt "snowball" in which new borrowing is increasingly needed to cover the cost of previous debt.post author · predictionBanks take into account not only the yield of financial instruments but also credit risks, the cost of resources, and capital and liquidity requirements.Нацбанка · statementOne reason for the rise in rates was a sharp increase in demand for lending with the start of economic liberalization.Нодирбек Ачилов · statement
More claims by Банк России
The Bank of Russia did not revise the value of the national countercyclical buffer in effect since 01.07.2025 (0.5 p.p. to banks' capital adequacy ratios).statementThe Bank of Russia may continue raising the add-on in the future if banks' risks on claims to large companies with elevated debt burden grow.predictionThe Bank of Russia kept the MPL values for Q1 2027 on mortgage loans for the purchase of under-construction and ready housing in apartment buildings unchanged; macroprudential add-ons were not revised.statementA nominal increase in the loan term allows banks to artificially reduce the size of the loan payment and understate the borrower's debt burden indicator (DBI), which creates conditions for circumventing the established restrictions on lending to borrowers with elevated debt burden.allegationSince the start of 2023, banks have substantially increased the provision of targeted car loans for terms over 7 years; the share of such loans in issuances rose from 8% in Q2 2022 to 26% in Q2 2026.statement
All claims by Банк России