Life without loans seems impossible. The complex financial situation in people in the country makes each of them, at least once to contact the bank for a loan. So someone wants to buy a car, and someone pay training at the university.
The goal for a loan can be a different, but everyone who puts the signature in the loan agreement automatically receives the status of the debtor — a person who is obliged to fulfill the obligations under the loan agreement.
The remaining part of the carry is not at all secured people, a huge amount of them simply unable to take a loan. Here we are talking about children, and about disabled people, but also about those whose wages are below the amount that could provide both the family and the fulfillment of credit commitments.
Interestingly, the less latitized population turned out to be in the Republic of Ingushetia. There, the number of people with credit obligations is less than 8 times in the region of Kalmykia, the region of Kalmykia itself.
On the diagram presented below, you can see as a percentage value of the ratio of the average per capita debt on loans and annual salary in 2020 in the regions included in the top 10 regions with the highest indicator of the lounged population.
If we talk about the lesslined regions, then here the top ten includes: the Republic of Crimea, the Chechen Republic, the Republic of Dagestan, Sevastopol and others, of course, after the previously mentioned republic of Ingushetia. Loading in these areas of our country is significantly lower.
Coronavirus could not but influence the relay of the population. Many people remained without work, which deprived them of the possibility of paying debt under the loan agreement.
In the segment of car loans in the summer of last year, the size of total debt to the bank amounted to about 517 million rubles, and then this figure only increased.
In mortgage lending, the amount of debt borrowers in front of the lender amounted to about 602 million rubles, and in June last year, 13.6 thousand credit cards were overdue.
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