The Central Bank of the Russian Federation has reduced the key rate by 0.5 pp, bringing it to 16%, which is logical against the background of a slowdown in inflation to 6.64% per annum. However, this does not mean that car loans will automatically become cheaper. This opinion was expressed to the Avtostat agency by Vyacheslav Yakubchik, Development Director of the FAST.Auto platform.
According to him, at the beginning of the year, dealers supported the market with massive subsidies, which made it possible to reduce rates for buyers. Now warehouse stocks have been sold out, a shortage has arisen for many models, and subsidies are being reduced. As a result, loan rates may remain at the same level or even increase if the reduction in subsidies outpaces the effect of the "key" reduction.
Yakubchik also noted that there is no direct relationship between the key rate and the cost of bank funding. In order to attract liquidity, credit institutions are forced to maintain high rates on deposits and other sources, which limits the reduction in the cost of car loans for customers.
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