NCB: the volume taken by the Russians since the beginning of the year loans has approached the level of 2014
From January to September this year, private borrowers received 18.1 million of loans by 27.2% more than in the first nine months of 2015, when it was issued 14.3 million Levels “pre-crisis” of 2014, however, the pace of issuance of retail loans in the current year has not yet reached.
In January – September this proud was issued on 3% of loans less than the same period in 2014 (18.8 million), calculated the experts of the National Bureau of credit histories (NBCH).
For the first nine months of 2016 at the most popular Bank loans to individuals (loans for purchase of consumer goods, credit cards, car loans, mortgages) were issued 2.1 trillion rubles, which is 53% more than in the first nine months of 2015, but 20.8% lower than the same period in 2014.
Moreover, as reported in the press release of the NCB, the best dynamics on the number of loans in units for the first nine months of this year showed mortgage loans (+55%), the worst – auto loans (+7%).
“Retail lending in Russia is recovering, but not everywhere evenly, – says General Director nbki Alexander Vikulin. – Despite the growth of disbursements in comparison with the year 2015 from the levels of 2014, the market is “behind” by 20%. Such dynamics speaks about keeping banks relatively low risk appetite – they try to lend to those borrowers whose credit history does not cause them concern. In this context, borrowers should improve the quality control performance of its obligations and the actuality your credit history”.
National Bureau of credit histories (JSC “NBCH”) was established in 2005 a number of large Russian banks and international companies CRIF and TransUnion. As of January 1, 2016 NCB consolidated information about 184 million of loans to over 3350 creditors. The credit Bureau stores information on more than 75 million borrowers.