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More than half of Russians have outstanding credit. Why people are willing to take the borrowed funds from confidence in the future or from a chronic lack of own funds? Statistics and opinions of experts in material Banks.ru.
the Outstanding credit grief in the family?
More than half of Russians surveyed at the moment the family has an outstanding loan, most borrowers believe that will easily clear your debt. Such research data on the topic of lending leads the all-Russia centre of studying of public opinion (VTSIOM).
the Bank Loan remains the second most popular way emergency obtain money from the people: three years ago (32% in 2014) and today (35% in 2017) it would, if necessary, about one-third of Russians. In the first place — to borrow from loved ones: 54% and 64%, respectively. On the third place — sales of personal property, such option was chosen by 13% of respondents. To apply for money in an MFI is ready for only 1% of respondents, while in 2009 this option was chosen by 5%.
For the last three years the number of Russians who have the experience of obtaining Bank loans, has grown from 58% to 67% (including 47% took out loans repeatedly). In the survey conducted in 2017, 57% of respondents (among 25-34-year — olds- 69%) reported that they personally or their family members have one or more outstanding loans — twice more than in 2009 (26%). At the same time, according to 86% of Russians, in the next six months they plan to apply to credit institutions (in 2009 this figure has remained virtually unchanged at 87%).
Most of those who reported current loans (72%) believe that repayment of debts will not cause them serious difficulties. In contrast, large complications involve 22% (2009 — 37%), 4% are afraid that you will not be able to repay the loan. The main source of funds for the calculation of credits is the salary (it is said 75% of those in the family currently have a loan).
Quote of Income is not enough to live on
"the Number of Russians with experience of obtaining credit increases. However, it is a complex process. On the one hand, people are forced to take out loans in the deteriorating financial situation. On the other — on the background of a sharp decline in inflation is a gradual reduction of interest rates on loans, and their accessibility for the population objectively growing," — says a leading expert polls Oleg chernozub.
the growth of interest of Russians to the lending say these United credit Bureau. For ten months of 2017 number of applications for credit increased by 89% compared to the same period in 2016. As previously reported, EDO, the number of new loans granted by banks in 2017, increased by 8% compared with the year 2016 and the volume of lending increased by 29%.
the Managing Director of the Bank Dmitry Guzner believes that the growth of demand for loans can be largely attributed to the decline in interest rates: here it is possible to speak as about the psychological readiness of the population to borrow at current rates and the increased availability of credit from the standpoint of burden on the budget of the client.
associate Director on Bank ratings "Expert RA" Vyacheslav Putilovsky Express a different point of view. In his opinion, the growth of interest in lending is influenced by two factors. First — increase the availability of mortgages amid the market glut of homes and lowering the key rate. The second is the higher proportion of people who are trying to close the shortfall in income (decrease in welfare) at the expense of Bank loans to MFIs. "They simply do not have enough available income to life and at the same time the realization of their wow-impulses (latest model smartphone credit). Despite some recovery in the economy, low wages and the threat of cuts are a widespread problem," says the analyst.
According to Rosstat, real disposable cash income of the Russian population in October 2017 fell by 1.3% compared to the same month in 2016. In General, during January — October, revenues fell by 1.3% compared to the same period in 2016.
Real incomes are declining for the fourth consecutive year: in 2016, revenues fell by 5.9% in real terms, in 2015 there was a drop of 3.2% in 2014, declining 0.7 percent.
Indeed, almost every second Russian has a loan — this could include mortgage and car loans, and credit to purchase machinery and electronics, and cash loan, agree with the findings of a study Director of Department of retail business of RosEvroBank Anton Suvorkin.
Suvorkin says that people don't have enough money for a one-time expensive purchase, so they are forced to go for a loan to the Bank. "Some citizens even takes credit for loan repayment in another Bank, and some are forced to borrow even to buy food to make it to payday. The debt load is when half the country lives on credit. This situation is observed in Russia. If you request information from different cellular retailers, and electronics retailers, it is possible to know that a large part of the expensive equipment is bought on credit is," says Suvorkin.
Have friends and family there is simply no money
the representatives of the MFIs did not agree with the conclusions of the poll that the interest in microcredit reduced, and noted the growth of issued loans.
"At the end of six months clients of MFI steel 6.3 million versus $ 4.6 million a year earlier. The increase is more than 37%. During the same period they issued about 13-15 million of loans. Based on our statistics, talk about any customer churn or increase the level of confidence in MFIs is in no way necessary," — said the chief Executive Director of "House money" Andrew Bakhvalov.
CEO of FINTECH holding ID Finance Boris Batin also notes that the market for online lending is growing from year to year. "In the first nine months of this year, it has increased 2.8 times. During this time services alternative lending has funded loans totaling about 20 billion rubles. If in October last year, the company has financed only 120 thousand of loans, in October 2017 — more than 200 thousand pieces. In my opinion, these data clearly demonstrate that the interest in these companies is not decreasing, but only growing," says the Batin.
"the MFI demand in settlements with a population of less than 50 thousand people and in people with income not exceeding 30 thousand rubles. In addition, our clients have damaged credit history and often can not confirm your income from work. Thus, the MFI market has a clear audience, which almost never intersects, for example, with the Bank's clients according to our records, this crossing does not exceed 25%," says the boaster.
"Today, to borrow cash from their loved ones will not work — they have the money just yet. In recent years, our country appeared a large number of options in order to obtain borrowed funds (Bank loans, credit cards, online loans, online pawn shops). The results of our study, more than 80% of customers don't want to ask his family for money. It is easier and more convenient to take them from the credit institution", — says Boris Batin.
At risk — the poorest borrowers
Dmitry Guzner from the Bank drew attention to the risks borrowers with low incomes. "Even a small amount of loan can cause serious difficulties with its payment. And many of these loans several. This is due to the fact that a small amount (especially of POS-loans) some banks often issued without proof of income. Therefore, the debt burden of customers when making such loans is quite difficult to control," says Gusner.
According to Anton Suvorkin, the risk is that due to the excessive number of loans people are willing to remain in poverty. In case of impossibility to pay the loan bailiffs to seize property for the benefit of the Bank, which threatens to increase the number of poor citizens, and even homeless people who took shelter in the repayment of loans. "To deal with such a situation should by the ban to take more than two credits per person. Ideally, one person, one loan," he said.
Vyacheslav Putilov noted that it is necessary to pay attention not to the number of loans, and what percentage of your monthly income person pays the Bank for their service. "Other important factors: the absolute size of the remainder after the payment of the loans, it is adequate for the living of the debtor and dependents, which it contains, and the presence of additional sources of income (besides work).
Over-indebtedness starts when approximately 50% of the monthly income of physical persons is the payment of loans and percent on them," says the Putilov.
According to Gusner, the situation can improve the access to information about the client's income from the Federal tax service — it is expected that this will be introduced in 2018. "The quality of the decision after this innovation will increase significantly, which will minimize the issuance of loans to insolvent clients" — concludes the representative of the Bank.
Anna PONOMAREVA, Banki.ru
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