Translated material
For the first time in almost three years, the number of Russians with loans decreased
The number of borrowers in Russia decreased by 500 thousand in six months, the Central Bank reports in the review for the second half of 2024. The average cash loan has also decreased, by 20%.
Also, the Central Bank also noted a decrease in the number of problem borrowers. So they call those who have three or more loans at the same time. They account for almost half of the entire total debt of Russians on loans - 49.6%. The last time such a dynamics was observed in 2022.
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RBC notes that a decrease in the number of borrowers is an atypical situation for Russia. During the last quarters, this indicator was constantly growing, the second quarter of 2022 was the exception. Then the Central Bank, in response to economic sanctions, increased the value of the key rate, the number of borrowers at that time decreased by 300 thousand people.
The current indicators, as noted by RBC, are associated with hard credit and money conditions in the country. Among their manifestations is a high indicator of the key rate, which remains unchanged since October 2024, as well as regularly using the Central Bank of new measures to combat the overheating of the lending sector, which is why banks are forced to check the applications strictly.
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Last month, it also reported an increase in the percentage of refusals to Russians on mortgage loans - for February 2025, banks rejected 56% of applications from residents of the country. Experts noted that one of the reasons for this phenomenon could be the exhaustion of a pool of “good credit quality” borrowers. Also, from January 1, 2025, restrictions that banks are forced to follow when issuing a mortgage entered into force. Among them are the ban on the issuance of a mortgage for a period of more than 30 years and the approval of loans with subsidizing the rate by the developer.
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