Epitaph for car loans over the next five years.

Previous years, the market for banks has increased. "Over the past few months the market has changed significantly. Due to its redistribution, many banks have liquidity sufficient for the resumption of lending, as shown by the expansion and the number of banks - says Anton Shaperenkov, Head of product development for retail business VAB Bank. - In addition, car dealers, have difficulty with the implementation of vehicles, ready to reimburse part of the interest rate on the loan. This market is attractive for banks in the ratio of risk-return ". However, the main difficulty for banks is that Ukrainians "fallen out of love" loans. "Significant amounts of automobile loans directly dependent on large volumes of sales, as well as the solvency of the population and their confidence in the banking system. We very rarely share of automobile sales in the credit goes to 15-20% of the total. Even under the condition that the dealer instead of 10, will sell 100 cars a month, there is no guarantee that credit will increase sales - says Roman Bunich, deputy director of department of sales through alternative channels and partners, Index-Bank. - Unless a trust to banks and understanding of the stability of their income, the loan will be sold just as 10 cars a month. While before the crisis on individual brands sold and up to 70 credit cars. So I would say that it is more about partial recovery, rather than the full renewal. Some banks may now run situational projects with individual dealers or importers. For example, it may be, as the final sale of 2008 model year and the beginning of testing a banking product under the new conditions. However, most banks car loans are still included in the last row in the list of priorities today. " And, as a result - prophecy of the return of car loans.