OREANDA-NEWS  The volume of debts of Russians to credit institutions, as of December 1, 2022, amounted to a record 27.09 trillion rubles. This is reported by the newspaper "Izvestia" with reference to the data of the Central Bank.

Compared to the same period in 2021, the indicator increased by 10 percent, or 2.5 trillion rubles. It is clarified that now the increase (more than 80 percent) is secured by a mortgage. At the same time, banks say that there was no significant increase in delays.

Earlier in January, it became known that Russians were less likely to approve loan applications. Last year, Russian banks approved every fourth application of citizens for a loan — compared to 2021, the indicator decreased by seven percentage points (from 33 to 26 percent). At the same time, the share of citizens who are afraid to borrow from banks is growing. More than half, 61 percent, consider a loan to be a direct road to the debt pit, whereas in 2020 there were 47 percent of them, and in 2007 - 33 percent.

At the end of December, the Central Bank proposed to introduce a new type of consumer loans for low-income borrowers. We are talking about so-called high-risk borrowers, whose financial situation, however, still allows them to count on regular debt servicing. At the same time, since January 1, 2023, the country has introduced limits on the issuance of loans and loans to unreliable customers.