10.11.2025, 14:54
The share of Russians who are unable to take out a loan is named
Source: OREANDA-NEWS
OREANDA-NEWS More than 80 percent of Russians cannot take out a loan. The National Bureau of Credit Histories (NBKI) named the proportion of those unable to borrow from the bank.
In October 2025, the failure rate for applications for retail loans (consumer loans, pos loans, credit cards, car loans, and mortgages) rose to a record high of almost 82 percent. Compared to September, the indicator increased by 3.7 percent, and by 5.5 percent over the year.
Loans are most often refused in Kemerovo (83.7 percent), Novosibirsk (83.4 percent) and Omsk (83.4 percent) regions, as well as in Krasnodar (83.1 percent) and Altai (82.7 percent) territories. Banks are more loyal to borrowers in the Nizhny Novgorod (78.2 percent) and Voronezh (78.2 percent) regions, the Udmurt Republic (78.4 percent) and the Belgorod Region (78.7 percent). In Moscow and St. Petersburg, the figure was 79.2 and 79.6 percent, respectively.
"Banks, in conditions of serious restrictions on lending to citizens with a high debt burden, are in no hurry to increase their appetite for risk. Reducing the key interest rate to 16.5 percent and gradually reducing the full cost of loans is not enough to bring most borrowers of good credit quality back to the market," explained Alexey Volkov, NBKI Marketing Director.
Earlier it was reported that the share of mortgage refusals in Russia for the first time exceeded 60 percent. Currently, only 39 percent of customers receive approval, which is 10 percent less than at the beginning of 2025. The main reason for the increase in the number of refusals was the tightening of risk policy due to the new restrictions of the Central Bank.
In October 2025, the failure rate for applications for retail loans (consumer loans, pos loans, credit cards, car loans, and mortgages) rose to a record high of almost 82 percent. Compared to September, the indicator increased by 3.7 percent, and by 5.5 percent over the year.
Loans are most often refused in Kemerovo (83.7 percent), Novosibirsk (83.4 percent) and Omsk (83.4 percent) regions, as well as in Krasnodar (83.1 percent) and Altai (82.7 percent) territories. Banks are more loyal to borrowers in the Nizhny Novgorod (78.2 percent) and Voronezh (78.2 percent) regions, the Udmurt Republic (78.4 percent) and the Belgorod Region (78.7 percent). In Moscow and St. Petersburg, the figure was 79.2 and 79.6 percent, respectively.
"Banks, in conditions of serious restrictions on lending to citizens with a high debt burden, are in no hurry to increase their appetite for risk. Reducing the key interest rate to 16.5 percent and gradually reducing the full cost of loans is not enough to bring most borrowers of good credit quality back to the market," explained Alexey Volkov, NBKI Marketing Director.
Earlier it was reported that the share of mortgage refusals in Russia for the first time exceeded 60 percent. Currently, only 39 percent of customers receive approval, which is 10 percent less than at the beginning of 2025. The main reason for the increase in the number of refusals was the tightening of risk policy due to the new restrictions of the Central Bank.
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