From 2025, banks will require clients planning to take out car loans to provide official proof of income. The innovation, according to preliminary estimates, may affect the vast majority of borrowers. According to experts, this innovation can lead to a reduction in debt risks and encourage the use of electronic services to confirm income. But at the same time, they predict a noticeable decline in sales in 2025.
From 2025, banks will require clients planning to take out car loans to provide official proof of income for loans exceeding one million rubles. This innovation will affect the majority of borrowers, since the average size of a car loan is 1.5 million rubles.
AvtoVAZ proposed replacing preferential loans with direct discounts More than 70 percent of Chinese cars are bought on credit The average term of car loans has increased to its maximum since the beginning of the year
Banks will require proof of income and must also take steps to confirm it. This innovation is aimed at reducing debt risks and creating incentives for the use of electronic services to confirm income.
At the end of 2024, Russians rushed to buy new cars, as evidenced by the growth of the automobile market by a third. The reasons are the increase in recycling rates in October and a new increase, which is expected in January 2025. Russians are now not only looking to update their vehicles, but also consider buying a new car as an investment.
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