Compared to 2017, the figure has increased by 15%, and since 2009 - three to four times.
According to research made by NAFI, the results of which are cited by Izvestia, mainly citizens from 22 to 44 years old apply for loans - 12%. Pensioners are the least likely to take on debts - 4%. Consumer loans became the most popular product; in 2020, more than half of citizens took it - 51%. 14% of Russians took out mortgages and POS loans (consumer loans issued directly at retail outlets). 8% were credited to buy a car.
Moreover, in Moscow and St. Petersburg people apply for loans less often than in the regions - the indicator is at the level of 28% against 51%. But credit cards are issued more often - 44% versus 28%.
The fact that the Russians are mired in bank debts were reported by analysts at Raiffeisenbank. Only 8% of Russians managed to close loans, and so far they are not going to take on new debt obligations.
At the same time, citizens have become less likely to approve consumer loans. After the crisis caused by the pandemic, banks have tightened requirements for borrowers and issue loans only to solvent Russians, but for large amounts.
Meanwhile, the first loan secured by cryptocurrency was issued in Russia. The recipient of the loan from Expobank is businessman Mikhail Uspensky.