Posted 15 октября 2020,, 12:49

Published 15 октября 2020,, 12:49

Modified 24 декабря 2022,, 22:36

Updated 24 декабря 2022,, 22:36

The share of overdue loans has grown record-breaking in Russia

The share of overdue loans has grown record-breaking in Russia

15 октября 2020, 12:49
The quality of the loan portfolio was extremely negatively affected by the coronavirus pandemic and the economic crisis that followed. Over the past nine months, the number of loans overdue over 90 days has been growing by 80-500 thousand monthly.

This was reported by RIA Novosti , citing data from the Equifax credit history bureau and SRO NAPKA.

According to the latest data, “bad loans” reached their maximum value for the entire observation period - 12.6 million units. This is 12.5% more than in 2019.

- By the end of the year, there will be about 13.5 million loans and loans in arrears, that is, every sixth loan is likely to be problematic, - said in the study of credit experts.

Most of the "bad" debts turned out to be in Muscovites - 803 thousand loans, the capital is followed by the Moscow region - 597 thousand, and the top three in the accumulation of overdue debts - Kuban - 490 thousand.

Loans are least likely to be overdue in Ingushetia - 8.1 thousand, in Chukotka - 9.9 thousand and in Kolyma - 14.4 thousand.

Let us note that about 20% of the calls from the collectors fell on those borrowers who were in debt during the pandemic. According to the data of the National Association of Professional Collection Agencies (NAPCA / NAPKA), cited by RBC, creditors have begun to actively repay professional collectors with debts up to 180 days overdue. In August, their number amounted to 7% of all transferred debts, and in 2019 - 3%. The share of debts overdue up to a year increased to 17%. In the summer, credit institutions transferred 3.9 million cases of arrears in the amount of 152 billion rubles to collectors under an agency scheme.

At the same time, during the pandemic, many banks tightened the conditions for issuing loans, which forced young borrowers to start applying to MFOs. So, in August, almost a third of new microloans were issued to those who were not yet 30 years old.