The positive trend of such loans (non-revolving) has remained in 2012: the amount to February amounted to S /. 1.485 million, 13% higher in the same month last year.
Increased by 13% in June 2015
"This growth has occurred because the bank has identified a tremendous opportunity in increasing car sales in the last three years. It is happening, with the vehicular market, as has already happened a few years ago in the consumer market, "said Dante Lindley, area manager Automotive Financing BCP.
The expansion of this type of credit has made its delinquency rate follow the same trend: in February was 3.03%, 0.77 percentage points higher than in February last year. This was the second highest delinquency
rate registered in the last five years.More dollar
Like the rest of loans granted by banks, the rates offered on dollar car loans are more attractive than those offered in soles. In February, the average dollar was 10.2%, and 10.37% in local currency.
Lindley said the downward trend in the exchange rate has made more than 80% of people continue to
"People still prefer it to borrow in dollars for two reasons: first because they believe that the sun will continue to appreciate and second because the habit of years ago to borrow in that currency remains," he said.
HSBC, Falabella and BIF had rates at lower dollars, with an average of 7.81%, 8.3% and 8.7% respectively, while the cost of car loan in soles offered by HSBC (8.9%) was more attractive the rest of the bank, according to data published by the Superintendency of Banking and Insurance (SBS).
borrow in dollars.
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