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The exchange rate in the Far East: the time difference gives an advantage
Vladimir Selivanov Managing VTB24 in the Khabarovsk Territory
- We have not introduced any limits on currency exchange transactions and do not plan to. There is no shortage of currency at points of sale. The situation in the offices of VTB24 is stable. Let me remind you that large amounts of currencies should be ordered in advance.
As of Friday morning, the dollar buying rate was 57,98 rubles, sales - 66,02. Information about the current course is constantly broadcast on our website on the Internet. At the same time, in the Far East, the exchange rate during the day is practically unchanged. Since we are "ahead" of Moscow for as many as 7 hours, the time of opening trades on the Moscow stock exchange falls on 16: 00 for Khabarovsk time.
At the same time, our bank responds to the current situation in the financial markets: we have decided to increase the rates on ruble deposits for individuals. Rates will vary depending on the amount and term of placement of funds, as well as categories of customers.
At the same time, the bank plans to raise interest rates on credit products in the near future. So, with 18 December, mortgage rates are on the rise. A uniform interest rate on mortgage loans in rubles in the amount of 14,95% per annum is established in the presence of comprehensive insurance and 15,95% per annum in the absence of comprehensive insurance. New pricing conditions apply to all new loans, loan agreements are concluded from that date, regardless of the date the client filed an application for a mortgage. The amount of the credit limit approved for customers earlier is retained.
In the near future a decision will be made on the remaining credit products.
Separately, I note that under already concluded loan agreements, the bank will fulfill its obligations on the terms fixed in them. The Bank has not changed and henceforth does not intend to change the conditions under the current loan agreements unilaterally.