The number of borrowers in Russia in the first half of the year increased by 2 million people, as evidenced by the data in the information and analytical material of the Central Bank “Analysis of trends in the retail credit segment based on credit history bureau data”. First half of 2023.
The Central Bank of the Russian Federation analyzed data from the credit history bureau for the first half of the year – the number of citizens with loans and loans increased to 47 million people. As the regulator notes, more and more people have three or more loans; Their number increased by 2.2 million during the year, reaching 11.2 million.
Credit cards are especially popular – during the year the number of unique borrowers increased by 3 million to 23 million. According to the source, the number of mortgage holders exceeds 10 million, while the share of loans with a maturity of more than 25 years is growing.
As the regulator noted, 8 out of 10 citizens who took out a mortgage loan in the second quarter had a consumer loan before. About 6% would consider this as a down payment on a home. The Bank of Russia plans to discuss with banks approaches to assessing such borrowers.
Last week, the Central Bank Governor appreciated The possibility of a banking crisis in Russia.
Formerly Bank of Russia was recorded deterioration of mortgage lending standards.