In Russia, 11% of bad borrowers

As the director of BCI FICO scoring and John Hadlow, today in Russia, recorded 11% of the so-called bad borrowers. However, in general, he said, the situation is bad. State of the credit health of Russians is approaching pre-crisis levels. In addition, banks have become more closely approach the loan, and borrowers - responsibly dispose of loans. Meanwhile, according to the National Bureau of Credit Histories, the total volume prosrochennoi? arrears on loans to natural persons increased in the IV quarter of last year by 11,2%. Increased and the total number of loans. In the last three months of 2010, the most popular among Russians used loans to buy consumer goods. There were produced 2,850,000 units of such loans valued at 200.8 billion rubles. with an average loan 70.4 thousand rubles. The share of mortgage loans with an average loan of 1.5 million rubles. had 46.8 billion rubles., and the total amount of issued credit cards amounted to 21.6 billion rubles. (Average loan of 39.7 thousand rubles).. At the same time, consumer debt was 58.7%, another 14% had to delay for mortgage loans, 18.7% - on auto loans, and 8,6% - for loans made using credit cards. It is worth noting that the leader for consumer loans has become Moscow and Moscow region. It was here that were recorded the highest volume of lending and the highest number of loans with overdue payments. In addition, in the Central region was mostly those who have from 2 to 5 outstanding loans.