30.01.2023

In Novosibirsk, the size of loans for personal needs has grown significantly

The number of loans issued decreased, while the average loan size, on the contrary, increased significantly. The average size of consumer credit in Novosibirsk and the region grew by almost 25% over the year.

In December 2020, this figure was 218,978 rubles (a year ago – 175,520 rubles). Now, according to this indicator, the NSO ranks eighth among all 85 regions of the Russian Federation, according to the National Bureau of Credit Histories (NBCH).

The leader of the rating is predictably Moscow (506.7 thousand rubles), followed by the Khanty-Mansi Autonomous Okrug (345.8 thousand), St. Petersburg (344.9 thousand), the Moscow region (331.9 thousand) and the Sverdlovsk region (246.1 thousand rubles).

The average size of consumer credit in neighboring regions is slightly lower. The Omsk Region was in 12th place (204,321 rubles, an increase per year of 37.6%), the Kemerovo Region – in 18th (190,111 rubles, an increase in a year of 52.8%. The Altai Territory closes the top 30 (152 941 rubles, growth over the year 46.2%) Tomsk region did not enter the top 30 in terms of consumer credit.

In the country as a whole, in December 2020, the average size of loans issued by banks for the purchase of consumer goods amounted to 221.3 thousand rubles. Over the year, it grew by 30.7% (in December 2019 – 169.3 thousand rubles).

The issuance of consumer loans in 2020 compared to the previous year decreased by more than a quarter. Alexei Volkov, NBKI Marketing Director, said that banks adhere to a conservative approach when issuing consumer loans. Personal credit rating remains the decisive criterion.

– After a slight decrease in the average consumer credit check last spring, a record was set in October – almost 234 thousand rubles. However, in the last two months of 2020, the average size of consumer loans has slightly decreased. The issuance of consumer loans in 2020 compared to the previous year decreased by more than a quarter. This testifies to the fact that the trend towards banks’ compliance with a conservative approach in retail lending continues. The value of the personal credit rating (PCR) of the borrower remains the determining criterion for banks when deciding on a loan and its parameters. Therefore, this year, consumer loans were issued only to those citizens whose level of debt burden and the value of the GPC were at a high level.

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