Military Review

Central Bank lowers key rate to historic low

132
Central Bank lowers key rate to historic low

The Russian Central Bank record-lowered its key rate to 4,5%, dropping it immediately by one percent for the first time in five years, thereby updating historical minimum of modern Russia. This was reported on the bank's website.


According to Russian media, this decrease was not unexpected for economists, it was expected. The bank explained its decision by the strong influence of disinflation factors that slow down growth in the context of the global coronavirus pandemic, and inflation can deviate strongly from the set parameters at 4% per annum. At the middle of this month, inflation was estimated at 3,1%.

This decrease is the third since the beginning of 2020. If in January the key rate was 6,25%, then in April the Central Bank lowered it to 5,5%, reaching a minimum at the end of 2013 - the beginning of 2014. Now its value has dropped to 4,5%. Earlier, the head of the Central Bank Elvira Nibiullina said that the bank will consider the introduction of such a measure, but the likelihood of this was not 100%.

Recall that the key rate is the minimum interest rate at which the Bank of Russia grants loans to commercial banks and accepts funds for deposits. The reduction in the key rate leads to a decrease in the value of deposits, consumer loans and mortgages, thereby making banking products more accessible in the conditions of a falling economy.

It is possible that in the future the Central Bank will consider another reduction in the key rate.
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  1. sav
    sav 19 June 2020 14: 44
    34
    This step is welcome.
    1. The comment was deleted.
    2. NIKN
      NIKN 19 June 2020 14: 48
      19
      Loans began to take less at crazy interest rates.
      1. Lexus
        Lexus 19 June 2020 15: 47
        0
        It is much easier to attach the leash from the outside to the "loop" put on your own neck.
        1. NIKN
          NIKN 19 June 2020 16: 02
          +1
          Probably, but sadly ...
          1. Shurik70
            Shurik70 19 June 2020 22: 04
            16
            Just yesterday I ordered myself a new bank card in return for the lost one.
            As a bonus, I was offered a "generous" loan at 15% per annum.
            I don’t know for whom there is 4,5%, but it will not affect me
            1. Ratmir_Ryazan
              Ratmir_Ryazan 20 June 2020 12: 21
              -1
              Just yesterday I ordered myself a new bank card in return for the lost one.
              As a bonus, I was offered a "generous" loan at 15% per annum.
              I don’t know for whom there is 4,5%, but it will not affect me


              4,5% is the rate at which the Central Bank lends to other banks.

              But this also affects the reduction in interest rates on loans.

              You don’t have to think that loans will also be given to you at the Central Bank rate, firstly, people who get salaries also work in banks, banks pay for renting premises, pay income taxes, and all this is included in the costs that must be covered, but -second part of the loans is not repaid and this must also be taken into account.

              In the end, no one forces you to take a loan, for example, you have a choice to take a mortgage and immediately live in your apartment as a young woman and your wife, and you can save on it while wandering in rented apartments, but without a loan.
              1. Shurik70
                Shurik70 20 June 2020 15: 46
                +1
                Quote: Ratmir_Ryazan

                In the end, no one forces you to take a loan, you have a choice

                15% is robbery.
                I’d better find another bank. Where the percentage is lower
        2. NIKN
          NIKN 19 June 2020 16: 05
          -1
          it's like a fly on glass is not difficult to kill, but what's the point?
          1. Ross xnumx
            Ross xnumx 19 June 2020 16: 58
            +2
            Quote: NIKNN
            it's like a fly on glass is not difficult to kill, but what's the point?

            And you suggest us to look at this discontented face physiognomy? And what is the use of these "snickering flies" for us? What is the use of feeding them?
            Here are the data from previous years:
            The annual declared income of the head of the Central Bank Elvira Nabiullina in 2018 reached 34,7 million rubles, an increase of almost 1 million compared to 33,8 million rubles in 2017. This follows from information on the income of Bank of Russia employees posted on the regulator's website.
            Spouse Nabiullina - rector of the Higher School of Economics Yaroslav Kuzminov - in 2018 earned 53,7 million rubles, a year earlier - 29,9 million rubles.
            The property of Nabiullina, as in 2017, is an apartment with an area of ​​112,2 square meters. m and a third of the total shared ownership of an apartment of 70,6 square meters. m, as well as the Jaguar S-Type.
            Kuzminov in 2018 still owned a land area of ​​1470 square meters. m, giving in 326,1 square meters. m and a third apartment of 70,6 square meters. m
            On April 12, it was reported that Russian President Vladimir Putin in 2018 earned 8,648 million rubles, while a year earlier the head of state received an income of 18,7 million rubles.

            At the same time, the Central Bank has been giving us the last three years:
            For the period from 2017 to 2019, the Central Bank showed "impressive" financial results:
            - in 2017, the loss was 435 billion rubles;
            - in 2018, the loss was 434 billion rubles;
            - in 2019, the loss is 182 569 billion rubles.

            And also:
            - Do not forget about incentive payments for the leadership of the Central Bank, which in 2019 went 174,2 million rubles (about 10 million rubles per person). The labor efficiency of the “key managerial personnel” (in the eyes of this very personnel) is growing year by year, as the bonus at the end of the year increases by tens of percent:
            - in 2017 - 99,5 million rubles;
            - in 2018 - 114,9 million rubles (an increase of 15%);
            - in 2019 - 174,2 million rubles) (an increase of 52%).

            How nice to read after that:
            Quote: sav
            I work in this area, there are changes, but I would like more.
            1. NIKN
              NIKN 19 June 2020 18: 46
              0
              I don’t suppose anything. everyone will choose
            2. Lannan Shi
              Lannan Shi 19 June 2020 21: 53
              +8
              Quote: ROSS 42
              Here are the data from previous years:

              World practice. Salaries of presidents, chancellors, ministers and other public servants with deputies are 4-5-6 average for the country. Here and determine the ceiling of 5-6 average. Those. 200-250.000 rubles. Want a million a month, like now? Sure, not a problem. Achieve the national average of 150-200.000. You can not provide citizens with income in Germany? So with what fright do you draw your salary, like a German minister?
            3. Kelwin
              Kelwin 20 June 2020 02: 14
              -1
              Yuri Vasilyevich) You spent a lot of letters on the description of goats of different genera. hi
      2. venik
        venik 19 June 2020 17: 06
        -8
        Quote: NIKNN
        Loans began to take less at crazy interest rates.

        =======
        Well, take a loan at Ukrainian to the bank! Everything is simple there, just for 18%-22% !!! (https://interfax.com.ua/news/press-release/659002.html)
        What is the problem then? request
        1. AnderS
          AnderS 19 June 2020 17: 53
          +3
          Well, take a loan from a Ukrainian bank! There, in general, everything is simple - just for 18% -22% !!! (https://interfax.com.ua/news/press-release/659002.html)
          What is the problem then? request

          No, well, what a smart girl you are, probably you can argue with Elvira Sakhipzadovna in the level of intelligence ... I don’t want to go to a Ukrainian bank, like in Switzerland or where else I gave loans at minus interest, at minus 2-3% shorter. ..
          1. Rubi0
            Rubi0 19 June 2020 18: 05
            +6
            Nene you confused there deposits at -2%, that is, you also pay extra for the depot, as if for the protection of money. Yes, and if the mortgage at a rate of 6.5 was for young families with children under 4.9%, is it logical to wait for another decrease, just to your 2% 3% than Switzerland?
          2. venik
            venik 19 June 2020 20: 31
            -7
            Quote: AnderS
            No, well, what a clever girl you are, probably you can argue with Elvira Sakhipzadovna in the level of intelligence ...

            =======
            No, well, what a smartie you are! I just don’t know what - so СЃ кем you by intellect you can argue - I just have such acquaintances - NO !!! (This is to the question: "...I want as in Swiss or where there are still loans at a minus percentage gave, at minus 2-3% shorter...) request
          3. Krasnodar
            Krasnodar 19 June 2020 23: 46
            +6
            In Switzerland - from 300 thousand euros 3,5% per annum
            1. Geosun
              Geosun 20 June 2020 09: 04
              -1
              But there is no need to distort, we have loans in EURO also at 4%.
              Or in Switzerland ruble loans can be taken at 3,5?
              1. Krasnodar
                Krasnodar 20 June 2020 09: 15
                +2
                We have 2.5% in dollars
        2. Rubi0
          Rubi0 19 June 2020 18: 31
          +9
          LLC 18-22 in a private bank is a mortgage, and a consumer 42% per year, and if you put less than the mandatory payment, then there are also fines from above, how do you like it?
          1. not main
            not main 19 June 2020 23: 19
            +4
            Quote: Rubi0
            LLC 18-22 in a private bank is a mortgage, and a consumer 42% per year, and if you put less than the mandatory payment, then there are also fines from above, how do you like it?

            You have to choose a bank! Not that the bank chooses you!
    3. Malyuta
      Malyuta 19 June 2020 14: 49
      -7
      Quote: sav
      This step is welcome.

      You can welcome, only loans for citizens and industry
      still not get cheaper.
      1. sav
        sav 19 June 2020 14: 58
        12
        Quote: Malyuta
        only loans for citizens and industry
        still not get cheaper

        Get cheaper, but not immediately and not so much. I work in this area, there are changes, but I would like more.
        1. Malyuta
          Malyuta 19 June 2020 15: 04
          -4
          Quote: sav
          Get cheaper, but not immediately and not so much.

          In the current state of the economy, if any, loans should be not only zero, but negative.
        2. aleksejkabanets
          aleksejkabanets 19 June 2020 20: 36
          0
          Quote: sav
          Get cheaper, but not immediately and not so much. I work in this area, there are changes, but I would like more.

          Not in our lifetime, you mean?
      2. ioan-e
        ioan-e 19 June 2020 15: 04
        21
        Quote: Malyuta
        Quote: sav
        This step is welcome.

        You can welcome, only loans for citizens and industry
        still not get cheaper.

        Just an analysis of the situation shows that with every decrease in the key rate, interest on consumer and mortgage loans is reduced.
        1. NEOZ
          NEOZ 19 June 2020 15: 32
          11
          Quote: ioan-e
          Once a situation analysis shows

          here, as a rule, they are drafted, not analyzed .....
        2. Malyuta
          Malyuta 19 June 2020 15: 34
          -11 qualifying.
          Quote: ioan-e
          Just an analysis of the situation shows that with every decrease in the key rate, interest on consumer and mortgage loans is reduced.

          Listen, if loan payment declines by 1%, what will it change if you have nothing to pay?
          1. NEOZ
            NEOZ 19 June 2020 15: 59
            10
            Quote: Malyuta
            if you have nothing to pay at all?

            why did you take a loan?
            Quote: Malyuta
            Listen, if loan payment goes down by 1%

            what nonsense are you writing?
            Well, a little bit then the brain must think !!!!!
            interest rate has decreased !!!!
            for example:
            there was a rate of 5% per annum, a monthly payment of 100 rubles. *
            became the rate of 4% ready, monthly payment of 80 rubles. *
            20% reduction in payment !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
            * conditional calculation, exact calculation can be done in a mortgage calculator.
            1. Malyuta
              Malyuta 19 June 2020 16: 12
              -6
              Quote: NEOZ
              why did you take a loan?

              I never took loans !!!
              Quote: NEOZ
              * conditional calculation, exact calculation can be done in a mortgage calculator.

              And very crafty.
            2. Esoteric
              Esoteric 19 June 2020 18: 55
              15
              I will try to answer why I took a loan. My beloved woman, with whom we are not yet officially married, has circumstances that impede this, financial, because everyone walks under God, and in the event of a departure to a different world, one cannot double the load.
              So that's it. Her son fell ill, not mine, a wonderful guy, does not drink, does not smoke, studies at the "five". He, at his 17 years old, has intestinal oncology. It was gloom. Thank you for getting a job at the Filatov hospital under the Moscow - Capital of Health program. God helped, not otherwise. The operation is free, yes, but then medicine, food (you need a certain amount), in general, a check in the pharmacy for 120 tr. Where can a simple worker get them? Unnecessary people, because our state does not need us workers. We are beggars.
              A loan was taken. And now my company orders to live long, even that beggarly salary is not there for three months. There is nothing to pay the loan. Treatment is needed further. The guy probably won’t survive. No money. That's all I wanted to say.
              1. Tomich3
                Tomich3 19 June 2020 20: 36
                +1
                But the government hasn’t allocated me a ruble for a child. My income with my wife is above the subsistence level. Turn to Putin, preferably on a straight line.
              2. NEOZ
                NEOZ 22 June 2020 11: 26
                -1
                Quote: Ezoterik
                Unnecessary people, because we, the workers, are not needed by our state. We are beggars.

                the state takes care of its citizens! like parents about their children ...
      3. raw174
        raw174 20 June 2020 03: 26
        +2
        Quote: Malyuta
        You can welcome, only loans for citizens and industry
        still not get cheaper.

        I have repeatedly taken loans, for cars, for furniture, for household appliances, usually small amounts, so as not to wait until s / n. All paid on time. Now I have a mortgage. Initially, he took it at 15%, in 2017, in 2018 he refinanced up to 11.5%, later, in the same year, up to 9.4%. Payment at the same time decreased by a third! I think this year I will lower the percentage. I welcome the reduction in the key rate, it affects me directly. PS The percentage on the mortgage is so large, because the house on the ground and on the secondary is not a new building.
    4. Thrifty
      Thrifty 19 June 2020 15: 26
      -2
      Now, for starters, to lower domestic prices for energy, as well as utilities! And then the people, who are mostly unemployed, will go around the world en masse with such a reckless domestic policy.
      1. NEOZ
        NEOZ 19 June 2020 16: 09
        -10 qualifying.
        Quote: Thrifty
        reduce domestic energy prices

        for what?
        Quote: Thrifty
        as well as utilities!

        for what?
        Quote: Thrifty
        And then a people who are mostly unemployed,

        Is it not this people that buys about 2 million. cars annually, 81 mln. m2 of housing per year, is not this people included in the top 10 most traveling countries?
        Quote: Thrifty
        disorderly domestic politics.

        voice your suggestions on how to get out of this situation.
        1. Malyuta
          Malyuta 19 June 2020 16: 55
          -3
          Quote: NEOZ
          Is it not this people that buys about 2 million. cars annually, 81 mln. m2 of housing per year, is not this people included in the top 10 most traveling countries?

          And you do not want to compare your statistics, for example, with Brazil!
        2. aleksejkabanets
          aleksejkabanets 19 June 2020 20: 43
          -1
          Quote: NEOZ
          voice your suggestions on how to get out of this situation.

          Change the socio-economic formation.
          1. Piramidon
            Piramidon 19 June 2020 23: 53
            +3
            Quote: aleksejkabanets
            Quote: NEOZ
            voice your suggestions on how to get out of this situation.

            Change the socio-economic formation.

            Easy to say, but who will do it and how? This is not a switch clicked, and the formation has changed.
            1. aleksejkabanets
              aleksejkabanets 20 June 2020 09: 35
              -1
              Quote: Piramidon
              Easy to say, but who will do it and how? This is not a switch clicked, and the formation has changed.

              The people will do when ripe. Abramovich is not with the Rotenbergs. I probably won't answer the question "how will it do it" (in order to avoid ...), delve into history, there are a lot of examples of how he usually does it.
              1. Piramidon
                Piramidon 20 June 2020 09: 43
                +2
                Quote: aleksejkabanets
                The people will do when they mature.

                People - an abstract concept. By himself, he does not decide anything. Someone is needed who can unite and lead the people in the right direction, and such candidates are not visible on the horizon of Russian politics.
                1. aleksejkabanets
                  aleksejkabanets 20 June 2020 10: 08
                  0
                  Quote: Piramidon
                  We need someone who can unite people and lead in the right direction,

                  The people must unite themselves, from below. Starting from trade unions, mutual aid funds, local government, house committees, tszh, etc. You cannot look at some kind of "candidate" as an unconditional leader or leader. We need to look at who is behind him, what platform he has, whose economic interests his party represents. By 1916-17 the Bolshevik party could not boast of a large number of supporters, but it had a clear program.
                  Quote: Piramidon
                  and such candidates are not visible on the horizon of Russian politics.

                  How did V.I. Lenin, say in 1913 "on the horizon of Russian politics"?
            2. NEOZ
              NEOZ 22 June 2020 11: 30
              -1
              Quote: Piramidon
              Easy to say, but who will do it and how? This is not a switch clicked, and the formation has changed.

              he offers to take the surplus from the kulaks and distribute it to the workers and peasants ... well, whoever is against it, kill him .... as a civilian ... 8 million killed ... 4 million street children whose parents were killed. ..
              so what! formatnom state one more time !!!!!
              1. strannik1985
                strannik1985 22 June 2020 11: 41
                0
                he offers to take the surplus from the kulaks and distribute it to the workers and peasants ...

                Already, the "invisible hand" has put it in its place, in 2018 agricultural organizations produced products worth 3 billion rubles, private farms (vegetable gardens and summer cottages) - 1,6 billion, farms (peasant, individual entrepreneurs) -670 million
      2. Interlocutor
        Interlocutor 19 June 2020 16: 34
        +7
        And then the people who are mostly unemployed

        Yes, with what the hell ... Dear. Are you sick? Where does this nonsense come from.
        1. aleksejkabanets
          aleksejkabanets 19 June 2020 20: 45
          -2
          Quote: Interlocutor
          Respected. Are you sick?

          Do you think that in your right mind you can write such things?
      3. Rubi0
        Rubi0 19 June 2020 18: 10
        -7
        What prevents the people from raising their asses and going where work hands are required? A large country is not necessarily in the world. Actually, as in everything beloved, the USSR was distributed to where you needed your hands, but right now you want to eat freedom and take your own and don’t want it and to hell with you, sorry if that.
        1. aleksejkabanets
          aleksejkabanets 19 June 2020 21: 12
          +8
          Quote: Rubi0
          What prevents the people from raising their asses and going where work hands are required? A large country is not necessarily in the world. Actually, as in everything beloved, the USSR was distributed to where you needed your hands, but right now you want to eat freedom and take your own and don’t want it and to hell with you, sorry if that.

          You probably forgot that during the Soviet Union workers were required everywhere, there were more vacancies in the native city than there were workers. If a person had a desire to go north, he received 6 times more than in his native city. In addition, even at BAM, there were no problems with children. gardens, hospitals and schools. My parents met in Navoi, Bukhara region. mother went on distribution, and father had a business trip, he was engaged in commissioning of air separation compressors. Two weeks after the wedding, they received a departmental kopeck piece. You want to say that now they give the same apartments for free? What you write is either complete ignorance of the subject, or a corrupt liberalistic lie.
    5. Svarog
      Svarog 19 June 2020 16: 41
      -3
      Quote: sav
      This step is welcome.

      On the one hand, the news is good, but the Central Bank has taken this step, under serious pressure, the economy needs to be accelerated, everyone is drowning .. but with this step, inflation can be expected, which eliminates the positive aspects of the low rate. As an example, the apartments were 300 one-bedroom apartments (this is ours), as soon as the mat.capital appeared, prices soared to 000 and this is for the year. The reduced rate will work in approximately the same way .. and there is still one pitfall, the percentage of debtors who do not pay on loans is growing rapidly ..
    6. PalBor
      PalBor 19 June 2020 19: 29
      +4
      Who how, who how. I have a small contribution for a rainy day. I went to my "Personal Account" today: hello, please, the deposit rate was lowered by 0,5. Here's to you, grandfather, and St. George's Day!
      1. Arthur 85
        Arthur 85 20 June 2020 23: 09
        0
        And I about that. Joy is ... There is nothing to live in debt. And the one who thought and counted, and cooked for a rainy day, he is again in the cold. Return the golden appeal already, and forbid this loan.
    7. gridasov
      gridasov 20 June 2020 19: 49
      0
      there is a big difference when this key rate goes down under the normal development process and when it goes down as a necessary measure. Therefore, we can clearly state not the professionalism of the banking and generally the entire structure of the financial leadership of Russia, which, during the ability of the economically active part of society to use borrowed funds, did not use it, and now these funds are like a dead lotion.
    8. Arthur 85
      Arthur 85 20 June 2020 23: 04
      +1
      That is, shorter to accumulate now is useless. 4% of the deposit will not cover 10-20% of real inflation, and not the dream of the Central Bank. You can’t invest in gold - 20% VAT. In real estate - also not - now you can’t surrender it, but by itself it is only an encumbrance.
      As they say, take a walk! Tomorrow will not be! And if suddenly, we will take a loan at a low rate. Greetings, yeah.
  2. Siberian 66
    Siberian 66 19 June 2020 14: 49
    -3
    Interestingly, mortgages and consumer loans will also fall by a percentage, or just let the banks earn money. Rather, the second.
    1. NEOZ
      NEOZ 19 June 2020 15: 06
      13
      Quote: Sibiryak 66
      on a mortgage

      I have a mortgage of 5% .....
      Quote: Sibiryak 66
      Rather, the second.

      Yes Yes...
      2014 - 14,9% mortgage
      2017 year - 9,9%
      2020 - 6,9%
      ****
      Well, at least a little bit to get acquainted with open data is possible ???
      why throw that?
      1. Nikolay87
        Nikolay87 19 June 2020 15: 20
        11
        5%? But are you a civil servant ?! winked
        1. Revival
          Revival 19 June 2020 15: 25
          +6
          That is to say the least ..
          1. Lexus
            Lexus 19 June 2020 15: 51
            +7
            Wonderful character. Everywhere Ukrainians seem to him.
            1. Revival
              Revival 19 June 2020 19: 16
              -1
              Well, just the job (service) is like that)
        2. Malyuta
          Malyuta 19 June 2020 16: 42
          +3
          Quote: Nikolay87
          5%? But are you a civil servant ?!

          Yeah, of the intra-force structures most likely, therefore, will take to the throat to the end.
          1. St Petrov
            St Petrov 19 June 2020 17: 15
            -7
            Yeah, of the intra-force structures most likely, therefore, it will take to the throat to the end


            anger of a patient and sad rosoppositions. I can imagine that this is music around the caravan
            1. Malyuta
              Malyuta 19 June 2020 17: 26
              +1
              Quote: s-t Petrov
              anger of a patient and sad rosoppositions. I can imagine that this is music around the caravan

              laughing "Tell the caravaneer, when will the water be?" .. And the caravaneer bunker and writes "letters from a madman." laughing laughing laughing
            2. Revival
              Revival 19 June 2020 19: 17
              +1
              The music sad in your caravan ...
          2. Rubi0
            Rubi0 19 June 2020 18: 12
            +1
            2 children and 4.9 percent, as well as a discount of -10 to 25 for cars made in the Russian Federation, and mothercapital and buns different ... Lord, you are interested in what you are supposed to do, the internet is full of information
            1. St Petrov
              St Petrov 19 June 2020 18: 39
              -8
              Lord, you are interested in what you are supposed to


              what for? patient resentment will press minus sign and this will be their struggle with Putin and the system)

              And if you continue now, then they will have to go to YouTube and dislike the video with Putin and then you will be terrified at all

              1. Revival
                Revival 19 June 2020 19: 23
                +6
                Well, just don’t merge in the quiet ...
                And so, what about the mortgage and the car, the overwhelming majority of the population is supposed to have a salary of 25000 rubles. already good, but also two children in their arms?
                So what is good for most people?
                How do you like to write off 90% of the costs?
                Gorgeous?
                And if so: buy Norilsk Nickel for yours and you will be compensated for 90% of the costs.
                Well, what remains of the chic offer? Can you use it? Or close to bullying?
                Is the meaning clear?
                1. aleksejkabanets
                  aleksejkabanets 19 June 2020 21: 38
                  +3
                  Quote: Revival
                  Well, just don’t merge in the quiet ...
                  And so, what about the mortgage and the car, the overwhelming majority of the population is supposed to have a salary of 25000 rubles. already good, but also two children in their arms?
                  So what is good for most people?
                  How do you like to write off 90% of the costs?
                  Gorgeous?
                  And if so: buy Norilsk Nickel for yours and you will be compensated for 90% of the costs.
                  Well, what remains of the chic offer? Can you use it? Or close to bullying?
                  Is the meaning clear?

                  Drowning the power of the "privatizers" is apparently economically beneficial for them. Norilsk Nickel, if I'm not mistaken, was bought through a loans-for-shares auction, so there was no talk of "their" money. To put it simply, it was bought for state money from the state and put into a private pocket.
                2. Rubi0
                  Rubi0 19 June 2020 22: 15
                  -4
                  Do you respect yourself when you get 25000r? I’m also tired of looking at bananas and considering whether it’s enough to sn. I worked and on weekends I traveled over 400 km by train to the courses, a child of 2 years old stopped working for me after half a year, because dad was on weekends at work for the weekend on departure. I'm 30 right now, I changed 3 city and went to sn above 120000r. So what did you want to tell me there?
                  1. Revival
                    Revival 19 June 2020 22: 56
                    +5
                    Do you think the norms zp is just how it works? Is this the state of the art?
                    Is life the norm?
                    I imagine a rocket engineer in such a rhythm, of course he will make discoveries, right?
                    Although, we don’t need rockets, space, teachers, doctors, let everyone travel 50x9 km and so on.
                    I heard such a "granite" saying: "teachers, if you want money, so go into business ...".
                    We arrived ...
                  2. aleksejkabanets
                    aleksejkabanets 20 June 2020 09: 25
                    -2
                    Quote: Rubi0
                    Do you respect yourself when you get 25000r? I’m also tired of looking at bananas and considering whether it’s enough to sn.

                    Quote: Rubi0
                    I'm 30 right now, I changed 3 city and went to sn above 120000r.

                    People like you are well known to me, without honor, conscience in the eyes of only money and career growth. Living "by the law of a chicken coop." People like you are well described in classical literature, from Dreiser to Gleb Uspensky. I'm not sorry for you.
                    Quote: Rubi0
                    a child of 2 years old came to me after half a year of such a dreadful

                    And you think, maybe you do not need all this, children, family, responsibility?
                    Think about what will happen to you in two, three decades. Believe me, time flies fast.
            2. aleksejkabanets
              aleksejkabanets 19 June 2020 21: 30
              +4
              Quote: Rubi0
              2 children and 4.9 percent, as well as a discount of -10 to 25 for cars made in the Russian Federation, and mothercapital and buns different ... Lord, you are interested in what you are supposed to do, the internet is full of information

              After what year should a baby be born? I have 4 children from 7 to 12 years old. I'm not entitled to anything. Banks will not give loans, even a mortgage, because my wife and I, taking into account the cost of living for children, the official salary should be simply unrealistic. So, this is all "not for everyone." Banks, in our state, work only for their own profit, like ordinary usurers, and the state does not care about ordinary people. The growth of the well-being of some Deripaska or Abramovich is much more important to this state.
              1. Revival
                Revival 19 June 2020 22: 59
                +4
                That's exactly what I wrote above to the "defenders" that those benefits and buns that they write about can be obtained about as affordable as "if you jump to the moon three times, then a million is yours, nothing complicated" ...
                1. aleksejkabanets
                  aleksejkabanets 20 June 2020 09: 14
                  -1
                  Quote: Revival
                  That's exactly what I wrote above to the "defenders" that those benefits and buns that they write about can be obtained about as affordable as "if you jump to the moon three times, then a million is yours, nothing complicated" ...

                  Everything is so, Kamrad, "the little piglet is not enough for everyone" because either the Chubais with the Abramovichs, or the people.
      2. Revival
        Revival 19 June 2020 15: 24
        -1
        I didn’t know that the data on your e-library was in the public domain!
        1. NEOZ
          NEOZ 19 June 2020 15: 28
          0
          Quote: Revival
          on your epic

          these are the average rates of the "epoteka" of the three large banks in the announced years.
          ps
          Well, you can think a little bit?
          1. Revival
            Revival 19 June 2020 15: 37
            -1
            This was already so clear regarding the bet list.
            Well, if you wrote the maximum, supposedly look how small they were, it was more correct with respect to the general sending of the comment
            1. NEOZ
              NEOZ 19 June 2020 15: 50
              +1
              Quote: Revival
              If you would write the maximum,

              Apparently, you are not familiar with the principles of collecting statistical data.
              Quote: Revival
              It was so clear

              why did you write then?
              Quote: Revival
              maximum wrote

              if maximum figures were indicated, then the life expectancy would be 123 years!
              1. Revival
                Revival 19 June 2020 19: 14
                -1
                The idea was that if we were to boast of mortgage rates, then it would not be those that are several times higher than those countries where "the retirement age is also high."
                Those bets that you brought, even the smallest of them, are still big enough
  3. Sergey39
    Sergey39 19 June 2020 14: 50
    +8
    The statists defeat the liberal bloc.
  4. Threaded screw
    Threaded screw 19 June 2020 14: 51
    +1
    Elvira Nibiullina
    What is going on at VO? Nаbiullina!
    1. Alex777
      Alex777 19 June 2020 14: 58
      +5
      With such a reason, even it is possible. bully
    2. halpat
      halpat 19 June 2020 18: 38
      +2
      Quote: Threaded Screw
      Elvira Nibiullina
      What is going on at VO? Nаbiullina!

      Well, maybe she is military-liable.
      In general, this is a good step. Deposits, of course, will not bring any income now. Although credit money should be cheaper.
      But everything is good in moderation.
      In the US and Western Europe, mortgages are almost free. I know about 1,75% per annum. A person contributed 30% of his own funds for an apartment, received it, 3 years later he pays only% on the loan (the bank paid 70% for it) and after 3 years he starts paying both% and loan (in equal parts over 22 years).
      However, even these sweetest conditions would turn into a dangerous trap in the event of a crisis or job loss. People very often take something that they can’t overpower, do not leave any reserve “for a rainy day”, because they want to buy bigger and better housing. And then bite your elbows.
      This is true all over the world. At least the States, at least Europe, Russia or China.
  5. imobile2008
    imobile2008 19 June 2020 14: 59
    -5
    Banks get under 4.5 give out 24. Hmm I want to be a bank
    1. ioan-e
      ioan-e 19 June 2020 15: 06
      +1
      In VTB they give a consumer loan at 9,5%; in which banks do you find 24%?
      1. Sandor Clegane
        Sandor Clegane 19 June 2020 15: 57
        14
        Quote: ioan-e
        In VTB they give a consumer loan at 9,5%; in which banks do you find 24%?

        yeah .... every month I get a super offer from Sberbank at 22.5%, the last one was a week ago
        1. AU Ivanov.
          AU Ivanov. 19 June 2020 18: 05
          -2
          Do we have only one Sberbank in Russia? No other banks?
      2. yfast
        yfast 19 June 2020 17: 05
        +3
        By credit card and 29% maybe.
    2. x.andvlad
      x.andvlad 19 June 2020 15: 11
      -3
      It is called like this: "You live on your salary? And we also want to live on it."

      And in the meantime:
      Russia increased investments in US securities by 80% “According to www.usa.one. This became known after the publication of new data by the US Treasury.
      https://usa.one/2020/06/rossiya-uvelichila-vlozheniya-v-cennye-bumagi-ssha-na-80/
      1. Interlocutor
        Interlocutor 19 June 2020 16: 35
        0
        Russia increased investments in US securities by 80%

        Delirium
        1. Brturin
          Brturin 19 June 2020 17: 43
          +5
          Quote: Interlocutor
          Delirium

          Bullshit, no bullshit ... how to get the news - on the one hand, an increase of 80%, and on the other hand to $ 6,85 billion, and what is this place ... Three of the leaders - Japan - 1,266 trillion, China - 1,072 trillion, Great Britain 368,5 , 12 billion dollars ... They play - they collected in January-February, they threw off in March, April - they scored again ... According to the data of June 5, the international reserves of the Russian Federation increased by 1% (or by $ 5,6 billion) ) and amounted to $ 570,8 billion - the amount of these securities in the total piggy bank ...
      2. Svarog
        Svarog 19 June 2020 17: 07
        -4
        Quote: x.andvlad
        Russia increased investments in US securities by 80% “According to www.usa.one. This became known after the publication of new data by the US Treasury.
        https://usa.one/2020/06/rossiya-uvelichila-vlozheniya-v-cennye-bumagi-ssha-na-80/

        Naturally, they rubbed the Russian citizen that now the buck will die .. otherwise people will explode into exchangers ..
        1. x.andvlad
          x.andvlad 19 June 2020 21: 28
          0
          Everything can be. And this will be abruptly deficient in buckwheat and ginger with lemon.
    3. Clear
      Clear 19 June 2020 15: 22
      -3
      Quote: imobile2008
      Hmm wanna be a bank

      Then write, I will give you advice on how to stop hiccups
  6. rocket757
    rocket757 19 June 2020 15: 00
    +5
    No matter what happens ... however, the people have already eaten loans. The dodger will be long.
    1. Mountain shooter
      Mountain shooter 19 June 2020 15: 16
      +5
      Quote: rocket757
      however, the people were already fed up with loans. The dodger will be long.

      Refinance give. The same banks. Call yourself and offer! I repent, took advantage. Nicely. 4% at once ... laughing
      1. And Makarov
        And Makarov 19 June 2020 16: 36
        +8
        Refinancing seems to be only in another bank, and not in where did you get the mortgage? Or has something changed?
        P. s. Also refinanced: from VTB (15%) to AHML (11%). Closed a year earlier, saving about 100 thousand.
        1. Mountain shooter
          Mountain shooter 19 June 2020 16: 47
          0
          Quote: A Makarov

          Refinancing seems to be only in another bank, and not in the place where he took the mortgage

          Mortgage - maybe. I figured out a loan. VTB itself also proposed. With 13.5% to 9.6% ... A very nice bonus. I hope that in about three months I’ll offer a percentage ... It will be possible to become more impudent, to request more ... In the sense of percentage, it’s more substantial to reduce ...
      2. rocket757
        rocket757 19 June 2020 17: 54
        0
        Quote: Mountain Shooter
        Nicely. 4% at once ...

        Saved ... probably.
        They call, often, it's like a wave, once it rolled, and then silence, until the next.
  7. prior
    prior 19 June 2020 15: 03
    -10 qualifying.
    Well, that’s it. Now I'm full of it. Gasoline will fall in price, payments for housing and communal services will decrease, the pension will increase .............
    And what kind of nonsense comes to mind after reading an article about the Central Bank's next scam!
  8. ioan-e
    ioan-e 19 June 2020 15: 05
    +1
    Is the Central Bank crawling into our trench?
    1. Interlocutor
      Interlocutor 19 June 2020 16: 36
      +6
      Is the Central Bank crawling into our trench?

      He is kicked in the ass in our trench.
    2. Sergey39
      Sergey39 19 June 2020 18: 29
      +1
      If you want to live, you will not be so heated!
  9. maiman61
    maiman61 19 June 2020 15: 10
    +6
    It is necessary as in Soviet times, commercial banks have the right to add only three percent! If the Central Bank rate is 4,5%, then com. the bank is obliged to give loans at 4,5 + 3 = 7,5%!
    1. ioan-e
      ioan-e 19 June 2020 15: 25
      +4
      Their face will crack even from 2,5%! Although what I mean, it’s dimensionless!
    2. Alexander I
      Alexander I 19 June 2020 17: 16
      +3
      By the way, in the USSR the key rate was within 4-5% and yes the bank was strictly limited to a margin of maximum 2%
  10. Mountain shooter
    Mountain shooter 19 June 2020 15: 20
    +3
    Quote: ioan-e
    Is the Central Bank crawling into our trench

    It seems that he was forcibly thrown there! Together with Elvira!
    1. Aag
      Aag 19 June 2020 18: 00
      0
      "The Cossack is sent ..."
  11. KSVK
    KSVK 19 June 2020 15: 27
    +2
    Quote: ioan-e
    Is the Central Bank crawling into our trench?

    You know, there is one joke on the topic:
    If you are licked in the ass,
    Don't flatter yourself
    Most likely it is a lubricant.

    It’s just that it’s similar to those of ours, those in power, who begin to understand that if something is not done economically, and something extraordinary and sharp, the economy will collapse. And Blacks on strike in the United States will seem to some to be children playing in the sandbox.
    1. St Petrov
      St Petrov 19 June 2020 18: 27
      -6
      And Blacks on strike in the United States will seem to some to be children playing in the sandbox.


      Amer cops will seem to you children, against the background of the Federal Guard and the FSB, who have been on business trips in the Caucasus for 20 years

      threatened)

      PS The economy has collapsed in the minds of ballistic emo communists for 20 years, and Russia has already given away the debts of the USSR, which were more than Russia gained in the 90s, bought more than 500 planes in the army and is building a spaceport with the city in the wake of the world's first floating nuclear power plant in addition to the dozens of nuclear units that Russia is building around the world at the moment

      Can you name me a powerful European country with a powerful economy that can do the same? Maybe Germany?

      How did the torn economy decide to credit the construction of a nuclear power plant in Turkey? What should you have in mind for you to write about a collapsed economy? Did you get half a trillion in reserve?

      Although there are an abundance of such writers here, I am really surprised
  12. Ross xnumx
    Ross xnumx 19 June 2020 15: 52
    -9
    Central Bank lowers key rate to historic low

    So what? Will they pay less on deposits? Or the business will rush to take loans at 10-12% ... We’re mired in petrodollars, forgot our own ruble, they only know how to juggle with key rates ...
    Interestingly, after this step, Nabiullina is recognized as the best head of the Central Bank in Russia? wassat
  13. Nikolai Korovin
    Nikolai Korovin 19 June 2020 16: 04
    +5
    In addition to the article listed in the last explanatory paragraph (with the exception of the last prognostic phrase), a decrease in the key rate also entails a reduction in interest on deposits.
    1. Nikolai Korovin
      Nikolai Korovin 19 June 2020 16: 17
      +5
      I looked only at the first comments, but in front of mine it was just about deposits as well. Well, we can assume that the interest on loans will not be 10-12, which, generally speaking, is more or less tolerable, but 7-8, which, on the one hand, is good (in the Russian Empire until 1871, a loan interest of more than 6% was forbidden How this was done is another question). But on the other hand, if someone expected to earn a second pension and rest on their laurels at the expense of deposits, then you will have to look for less conservative instruments. Even investments in OFZs are likely to yield more than the most profitable deposits, not to mention more risky investment schemes, which can, on the one hand, give more, but on the other hand, lead a potential poor investor to direct losses. In general, who has a little rustling in his pocket, you need to move the brain gyrus more strongly in order to get some kind of income rather than a loss due to inflation (even with some formal growth in the money supply).
      1. Ross xnumx
        Ross xnumx 19 June 2020 16: 43
        -1
        Quote: Nikolai Korovin
        I looked only at the first comments, but in front of mine it was just about deposits as well. Well, we can assume that the interest on loans will not be 10-12, which, generally speaking, is more or less tolerable, but 7-8, which, on the one hand

        And I looked at the offer of Sberbank and issued 10-12%, because:

        And no later than at the beginning of the year, I, “Dear Yuri Vasilyevich”, were offered to take a loan of up to 1 rubles at only 500% per annum. All that was needed was to go pick up the approved card.
        Moneylenders, in a word ...
        1. Nikolai Korovin
          Nikolai Korovin 19 June 2020 17: 37
          +6
          Um ... Something nobody has been offering me anything for a long time. Looks tired. And then calls and SMS almost every day. In 2017, he took a consumer loan at 17% (it was very necessary), I thought I could handle it quickly, only recently I got out. But even before the rate cut, like someone was offering 7-8%. Let's see ... Moneylenders also need to really look at things, and not find in virtual reality. If few people take it at 13%, it is necessary to reduce it, since the key rate is reduced, otherwise there will be no turnover.
  14. storm
    storm 19 June 2020 16: 25
    +7
    If interest on loans for industry and small businesses legislatively began to be formed according to the principle: the key interest rate of the Central Bank + 1-2%, the new government could be a monument in life ...
    1. halpat
      halpat 20 June 2020 04: 48
      0
      Quote: assault
      If interest on loans for industry and small businesses legislatively began to be formed according to the principle: the key interest rate of the Central Bank + 1-2%, the new government could be a monument in life ...

      that's exactly what it is for a long time.
      for enterprises there are loans with a fixed rate, which depends almost exclusively on ... the mood of the bank
      and there is a rate tied to the Central Bank rate, for example, Central Bank + 2,5%
      these 2,5% also depend on ... the mood of the creditor bank and trousers can easily turn into elegant shorts :))

      By the way, both! type of loan rates are quite popular.
      A fixed rate is taken for a long time.
      Well, they don’t believe the Sakhipzadovna and the state in general, even though the number on the head is comic.
      Binding to the Central Bank rate is used on the "short shoulder".

      The main thing is something else:
      In Russia, practically no significant private banks remained. Well, maybe Alfa Bank.
      The remaining large ones have long been state-owned. Although no one shouts about it on every corner.
      Sberbank, VTB, Promsvyaz ... and so on, spit on anyone, as they say.

      Therefore, it is the state that is engaged in usury, and the leaders of these state-owned banks are hired managers with huge salaries and bonuses, yachts / planes / villas and other things that fulfill the task set by the majority shareholder, as they say.
      Accordingly, it is necessary to demand from the state that it is less robbery.
  15. yfast
    yfast 19 June 2020 17: 07
    +2
    Quote: assault
    If interest on loans for industry and small businesses legislatively began to be formed according to the principle: the key interest rate of the Central Bank + 1-2%, the new government could be a monument in life ...

    Yes, they would all be poked.
    1. Nikolai Korovin
      Nikolai Korovin 19 June 2020 17: 40
      +3
      This is not a fact. The tendency to reduce the cost of credit and reduce the rate on deposits is obvious. What is better for the people? I am not an economist, I do not know.
  16. iouris
    iouris 19 June 2020 17: 12
    -2
    Bet more than life (and more expensive).
  17. ZVS
    ZVS 19 June 2020 18: 02
    -2
    In democracies, this reduction in the key rate leads to greater availability of loans on favorable terms. And in a totalitarian country, lowering the rate only leads to higher income for bankers. Most of the population will not feel the availability of loans, nor increase the profitability of deposits, nor reduce inflation, which means costs.
    1. St Petrov
      St Petrov 19 June 2020 18: 49
      -2
      And in a totalitarian country, lower rates


      no other communists? wassat would you put at least a democratic avatar

  18. Snail N9
    Snail N9 19 June 2020 18: 57
    +2
    "It's too late for Rita to drink Borjomi when the kidneys have fallen off." the citizens turned out to be completely poor, without work, with colossal debts on mortgage loans, suddenly the "rate" was lowered ... benefactors. Now, already, and no one will take money at low rates - there is no free, non-credit money in the country, business activity has moved into the sphere of survival, saving ... To revive the economy, there is only one way out - pumping the economy with free money, that is, the introduction "negative rate"!
  19. yfast
    yfast 19 June 2020 19: 36
    +2
    "The annual declared income of the head of the Central Bank Elvira Nabiullina in 2018 reached 34,7 million rubles, an increase of almost 1 million compared to 33,8 million rubles in 2017."

    "For the period from 2017 to 2019, the Central Bank showed" impressive "financial results:
    - in 2017, the loss was 435 billion rubles;
    - in 2018, a loss of 434 679 billion rubles; "
    It can be seen that Sakhipzadovna in 2018 caused a billion losses less than in 2017, so she received her extra million.
  20. Alexey from Perm
    Alexey from Perm 19 June 2020 20: 32
    +1
    zero, there is an example
  21. KSVK
    KSVK 19 June 2020 20: 51
    +1
    Quote: c-Petrov
    you

    Listen, my dear, we didn’t drink the Brudershaft, so I would like you to.
    And learn, please, read what is written, and not what your excited imagination draws for you.
  22. Petrol cutter
    Petrol cutter 19 June 2020 21: 22
    -1
    How will this affect the well-being of the employees of the Sea Shipyard?
    I (you see) love the specifics. And not common beautiful words.
  23. imobile2008
    imobile2008 19 June 2020 21: 45
    +1
    Quote: Mountain Shooter
    Quote: A Makarov

    Refinancing seems to be only in another bank, and not in the place where he took the mortgage

    Mortgage - maybe. I figured out a loan. VTB itself also proposed. With 13.5% to 9.6% ... A very nice bonus. I hope that in about three months I’ll offer a percentage ... It will be possible to become more impudent, to request more ... In the sense of percentage, it’s more substantial to reduce ...

    I had in VTB it was under 11.9, I refunded and took a loan, 4 million. Immediately removed 500 thousand. I refused now the percentage will be 14, it turns out I refunded under 14 a loan of 11.9 (then I also paid all sorts of insurance)
  24. Ravil_Asnafovich
    Ravil_Asnafovich 20 June 2020 04: 29
    +2
    I laugh, and I pay which bank, especially Russian, made concessions to customers? The bank works only for itself.
  25. Razvedka_Boem
    Razvedka_Boem 20 June 2020 12: 37
    0
    IMHO.
    In some Islamic countries there is "Islamic banking" where there is no interest.
    In Islam, the percentage is condemned, that is, "haram".
    Therefore, the so-called "Islamic terrorism" appeared, in which Islam has nothing to do.
  26. Pavel57
    Pavel57 20 June 2020 22: 33
    0
    Can you believe the IMF creature?
  27. Whirlwind
    Whirlwind 21 June 2020 06: 20
    0
    Gentlemen, comrades, it is necessary to go to "0"%, only then we will receive a sovereign loan, a sovereign ruble, a sovereign economy in sovereign Russia, which are NOT there now!
  28. Mikhail3
    Mikhail3 21 June 2020 11: 13
    0
    In 2008, this step could have a "living water" effect on the economy. This trick won't be of any use now. That's what the calculation is for. It was not for nothing that our enemies declared Nabiullina the best head of the Central Bank.