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In the next three months, access to loan banking, warns a survey conducted by the Central Reserve Bank (BCR).
The survey results show that supply conditions loans they will become more stringent for micro, small and medium-sized enterprises, as well as for individuals.
“As for the outlook for the next 3 months, there is a restrictive panorama of supply conditions for medium, small and micro enterprises. When credit to people, supply conditions have worsened in such a way that all segments have moved into a pessimistic section, ”BCR points out in its report.
The information provided indicates that the tightening of conditions will be greater for people who want to access consumer loans, mortgages or credit cards. But why is this?
Economist and professor at the ESAN Graduate School of Business Arturo Garcia notes that the difficulty of accessing Bank loans This comes as a result of the interest rate hike conducted by the BCR.
“Given the slowdown in the global economy and Peru, as well as the increase in interest rates as a result of the tightening of the monetary policy of the central banks of the world, as well as the BCRP to counter inflationary pressures, the bank expects that this will affect the solvency of economic agents, and they will be more cautious about granting a loan,” he told RPP.
BCR also indicates that next quarter banking companies they expect arrears to rise in the credit card and consumer segments, but in the case of mortgages, arrears will remain the same as in recent months.
It should be noted that the currency states that the terms of the offer loans they had already fallen in the previous three months.
“As for the conditions for providing loans to individuals, such as consumer loans, credit cards and mortgages, their supply has deteriorated. It can be seen that consumer loans have been strengthening for three quarters and only in the current quarter has mortgage lending moved into the pessimistic section,” they note.
BCR completes in the second quarter of the year, from April to June, the terms of delivery Bank loan they were moderated for business and messed up for people.
Source: RPP
I am Dylan Hudson, a dedicated and experienced journalist in the news industry. I have been working for Buna Times, as an author since 2018. My expertise lies in covering sports sections of the website and providing readers with reliable information on current sporting events.