At present, it is more profitable for Russians to take out short-term consumer loans, because in 2025 the Central Bank may begin to lower the key rate, which means that loans will become cheaper. This opinion was expressed in a conversation with Gazeta.Ru by Andrey Sirotkin, senior lecturer in the banking department of Synergy University .
He specified that it is most profitable to borrow from a bank through a credit card – you can receive cashback on it, you do not need to stand in line at the office of a financial institution to get a loan. Sirotkin explained that a credit card is always in your wallet, and you can use it as needed. And no one provides cashback for a classic consumer loan (in cash).
The economist added that borrowed funds can be obtained through so-called BNPL projects (Buy Now Pay Later). Simply put, installment cards. The loan will not be reduced in cost, but the price at which you will purchase goods and services on credit can be reduced by paying with an installment card or a credit card, the expert specified.
Sirotkin gave a universal recommendation for all times: if you want to get an inexpensive loan, you need to have a positive credit history and a stable income at your last place of work, starting from six months. Moreover, it is desirable to be employed in those areas that do not depend on social cataclysms, wars, and so on, the expert specified. According to him, this category usually includes teachers, doctors and, for example, officials who receive a stable salary.
On September 13, the Central Bank raised the key rate from 18 to 19%.
Earlier, the expert named the maximum rates on deposits and loans in 2024.