The economist predicted the situation with loans after the Central Bank's decision on the key interest rate

If the Central Bank decides to lower the key rate at its December meeting, banks will not have time to adjust their own interest rate models by the end of the year, which will make the Bank of Russia's decision ineffective. This opinion was shared with Izvestia by Valery Boginsky, commercial director of the Partnership Finance crowdlanding platform.

In his opinion, the Central Bank will maintain the current rate level during the December meeting and proceed to a gradual reduction next year.

"Several indicators at once confirm the trend towards a gradual reduction in the rate: cooling demand, stabilization of the ruble exchange rate, a decrease in the rate of price growth, and an increase in business expectations regarding the availability of financing. The fact that major market players publicly predict a rate cut of about 12% by the end of 2026 also reflects the mood in the upper strata of the economy: business and the financial sector need cheaper money," Boginsky comments.

Earlier, Kirill Tremasov, adviser to the head of the Central Bank, stated that at the December meeting of the Bank of Russia, the board of directors may reduce or maintain the key rate at the same level. However, according to him, before the December meeting, the regulator will receive "a lot more information" to analyze the inflation situation in the country.

For more information, see the article "Central Bank meeting on December 19 on the key rate: expert forecasts."

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