16.01.2021

Regions in which the worst pay on loans

Despite the decline in the share of arrears, Ingushetia remained at the tail of the rating

The share of overdue debt to banks has noticeably decreased in 2018, from 7.0% to 5.1%. As of January 1, 2019, it has decreased by 89 billion rubles.

Sevastopol, the Nenets Autonomous District, the Chukotka Autonomous Region, the Crimea and the Yamalo-Nenets Autonomous District are leaders in payment discipline regarding loan payments. Such data on Monday, March 4, leads  RIA Novosti  with reference to the results of the study.

Sevastopol and Crimea are also the regions with the smallest number of loans, for obvious reasons: Russian banks began issuing loans quite recently.

This is followed by the Khanty-Mansiysk Autonomous Okrug, Chuvashia, Udmurtia, Mordovia and Mari El.

Ingushetia with the highest overdue indebtedness became the outsider of the rating, although last year this indicator in the republic decreased by about a third. Many residents of Karachay-Cherkessia, Buryatia, North Ossetia and Adygea also accumulated many debts.

In general, the share of overdue debt to banks has noticeably decreased in 2018 – from 7.0% to 5.1%. As of January 1, 2019, it amounted to 760 billion rubles.

Experts reported a record debts Russians

But the share of those who cannot pay their debts on time has decreased

The average debt load of Russian families has increased to 27% and amounts to 263 thousand rubles. Experts believe that Russian debts to banks will continue to grow in 2019. But not as fast as before. Much will depend on how the foreign policy and domestic economic situation.

The Russians scored a record number of loans in 2018. The total debt on them now amounts to 14.86 trillion rubles, according to Izvestia on Wednesday, February 27.

According to the All-Russian Popular Front, Kalmykia, Tyva, Chuvashia, the Irkutsk Region and the Khanty-Mansi Autonomous Area are the most heavily-indebted regions of the country. Most of the delays were made by residents of Ingushetia, Karachay-Cherkessia, Buryatia, North Ossetia and Adygea.

The average debt burden (the ratio of credit debt to average annual income) of Russian families increased from 22% to 27%. The average debt of one family is 263 thousand rubles, and overdue debt is 13.4 thousand rubles. The total amount of mortgage loans taken by residents of the Russian Federation reached 6.38 trillion rubles, of which housing loans for 3 trillion rubles were issued last year.

The share of those who are unable to pay their debts on time has decreased to 5.1%.

Experts believe that Russian debts to banks will continue to grow in 2019 – by 10–12%, or to 16.3–16.6 trillion rubles. At the same time, the growth rate of debt will slow down significantly.

“Deferred demand was largely satisfied in 2018, so in many segments, if not close to exhaustion, it is noticeably lower than last year,” said Alexey Korenev, analyst at Finam.

According to experts, a lot will depend on how the foreign policy and domestic economic situation.

VTsIOM: Russians prefer bank cards in cash

Respondents like preferential terms and convenience of payments.

Russian bank card holders are more likely to use them to pay for goods and services, while cash withdrawals from ATMs have declined. The results of the study on how Russians are guided when choosing a card presented the VTsIOM.

87% of Russians reported that over the past 4-5 years they began to pay more often with bank cards. Such data on Friday, March 1,  leads  VTsIOM according to the results of the poll.

Three-quarters of respondents (75%) said that they would rather pay with a card if they had cash and plastic with them. Their choice is due to the convenience of calculations (81%) and the possibility of receiving bonuses from the bank (70%).

Most often, Russians choose a card to pay for goods and services in online stores (92%) and in electronics stores (88%). 84% of survey participants use the card when paying for purchases at furniture stores, and 82% use clothing and shoe stores. 81% of respondents use the card to pay taxes and fines, 80% – to pay for utilities. In grocery stores, 79% of respondents use the card, the same amount is paid for by air and railway tickets. 76% of Russians pay for cosmetics and household chemicals with cards, 73% for hotel rooms, 72% for fuel at gas stations.

Most of the survey participants when choosing their bank card took into account the cost of service and the availability of bonus programs (91% and 83%, respectively). At the same time, more than half of those who know the size of the annual card service fee, intend to use it less if the bank  raises the commission  or cancels the preferential terms.

About the availability of  credit cards  told 56% of respondents.

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