ИРГЭД, АЖ АХУЙН НЭГЖ, 14.2 ИХ НАЯД ТӨГРӨГИЙН ЗЭЭЛ АВЧЭЭ

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Монголбанкнаас УИХ-д өгсөн мэдээллээр 2018 оны дөрөвдүгээр сарын байдлаар нийт зээлийн өрийн үлдэгдлийн хэмжээ 14.4 орчим их наяд төгрөгт хүрчээ. Үүний 7.1 их наяд нь иргэдийн хэрэглээний зээл бол 7.1 их наяд төгрөгийн зээл аж ахуйн нэгжид олгогдсон байна.

Ингэхдээ иргэдийн хэрэглээний зээлийн дээрх дүн нь Монгол Улс санхүүгийн бүтээгдэхүүн, үйлчилгээг хүртээмжтэй түгээж буй давуу талын илрэл ч гэлээ энэ хэвээр өсөлт нь үргэлжлэх юм бол иргэд зээлийн дарамтад орох эрсдэлтэй аж. Учир нь банкууд хэрэглээний зээлийн төлбөртөө тухайн иргэний сарын орлогын 70-80 хүртэл хувийг татдаг аж. Хугацаа хэтэрсэн тохиолдолд зээлийн хугацааг нь нэмэгдүүлэх хэлбэрээр зээлийг нь нэмэх байдлаар зохицуулдаг.

Иргэн ажил эрхэлж, цалин хөлс, олсон ашгаараа хэрэглээний зардлаа нэмэгдүүлэх нь зохистой байдаг бол өр зээлээр хэрэглээний зардлаа нэмэгдүүлж байгаа нь дарамт учруулах эрсдэлтэй ажээ.

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