Almost 40 percent of Russians called a monthly loan payment of no more than five thousand rubles as comfortable for the family budget. This is stated in the study of the bank “Otkrytie” (available at the disposal of “Lenta.ru”).
About 38 percent are ready to lend 5-15 thousand rubles a month, 17 percent – from 15 to 25 thousand rubles. Only six percent of respondents said the amount of 25 thousand rubles was comfortable. According to the survey, 15 percent of Russians are going to take out a mortgage this year, a car loan – 12 percent, and a consumer loan – 18 percent.
The majority of respondents (53 percent) expect further growth in prices for basic goods, services and real estate by more than five percent. About 44 percent of the respondents believe that in the current economic situation it is preferable to save money for large purchases. Another 30 percent believe that it is better to take out a loan because of the favorable interest rates.
At the same time, 47 percent of Russians believe that lending and refinancing rates in 2021 will remain unchanged, another 30 percent expect their increase.
In Russia, the share of consumer loans overdue by more than 90 days has jumped. At the end of January 2021, their share was 23.5 percent against 17.8 percent a year earlier.