Mortgages and consumer goods may rise in price in 2022 for those Russians who do not provide a certificate of vaccination against coronavirus. Izvestia writes about this, citing proposals from banking experts.

The Bank of Russia explains that credit institutions themselves often offer the option of obtaining a loan with the simultaneous purchase of insurance, but at the same time they are obliged to offer an alternative option with similar conditions in terms of the amount and term of repayment.

"Insurance of the life and health of the borrower, property transferred to them to secure their obligations, reduces the risks of banks, so they usually offer loans with insurance at lower rates than without insurance," - said the representative of the regulator.

Experts believe that the insurance business can no longer ignore the risks associated with the coronavirus pandemic, which has been going on for almost two years. Therefore, it is likely that a clause in the life insurance contract will appear in the near future, where a certificate of vaccination will be required. Otherwise, the interest rate on the loan may be significantly increased.

If the innovation is nevertheless accepted, then those clients who have gone through the procedure for obtaining loans according to the old rules will not be affected by the confirmation of vaccination in the list of mandatory documents.

On December 28, it was reported that from April 1, 2020 to July 1, 2021, the number of Russians with loans increased by 2.4% to 43 million people. The increase in the number of Russians with active loans or credits is due to the fact that more people began to apply for money to microfinance organizations (MFIs).

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