In the next three months it will be more difficult to access a loan banking, warns a survey conducted by the Central Reserve Bank (BCR).
The results of the survey reveal that the supply conditions of the credits will harden for both micro, small and medium companies as for people.
“Regarding the prospects for the next 3 months, there is a restrictive panorama in supply conditions for medium, small and micro-enterprises. In the case of credit to people, the supply conditions deteriorated, in such a way that all segments went into the pessimistic section”, indicates the BCR in its report.
The information presented indicates that the hardening of conditions will be greater for people seeking access to loans of consumption, mortgages or credit cards. But why this?
The economist and professor at the ESAN Graduate School of Business, Arturo García, points out that this complication in accessing Bank credits It occurs as a result of the interest rate hike carried out by the BCR.
“Given the slowdown in the world economy and in 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 counteract inflationary pressures, the banks anticipate that this will affect the ability of economic agents to pay and they are more cautious regarding the granting of credit”, commented to RPP.
The BCR also indicates that in the next quarter the banking companies expect the delinquency increase in the credit card and consumer segments, but in the case of mortgages, past-due debt will remain the same as in recent months.
It should be noted that the monetary entity maintains that the supply conditions of the credits they had already been falling in the previous three months.
“On the side of the supply conditions of loans to natural persons, such as credit for consumption, Credit cards and mortgage loans, their supply has deteriorated. It can be seen that consumer loans have been hardening for three quarters and only in this quarter has mortgage credit moved towards the pessimistic section,” they point out.
The BCR concludes in the second quarter of the year, from April to June, the supply conditions of bank credit they moderated for businesses and deteriorated for people.
