Russians regularly pay the mortgage, but hoarding debts potrebkreditam

As we learned from an analytical review of the agency "Sequoia Credit Consolidation, the bulk of the debt of the population are consumer loans. For example, they accounted for today 77% of all delays. Another 15% of debts are car loans. Less the same all the debtors (2%) was among those who took a mortgage. The predominance of consumer loans in total debt can be attributed to several factors, experts say. First of all, this is the most affordable and most popular type of loan, as its amount, on average several times smaller than the auto loan or mortgage. In addition, during the crisis period the income of many borrowers declined because of loss of employment, salary reductions or for other reasons. As for the mortgage, there is observed a different picture: the availability of housing is usually a high priority for the borrower and, in spite of the difficulties is trying to make payments on the loan. It should also be borne in mind that the banks are going to meet such debtors, offering different options for refinancing. In addition to bank debt, is growing and the number of debts for telecommunications services and utilities. According to the National Agency for Financial Studies in 2010, only residents of the capital owed to public utilities over 1,6 billion rubles. Experts do not rule in a short time collectors can really do and utility debts. "Already, the trend of specialization of some collection agencies on municipal debt. However, according to forecasts of the Group of Companies FASC, the debts of the population in housing will continue to grow, including in connection with an increase in tariffs for public services ", - says Director of Business Development Civil FASC Olga Medvedev. In general, the experts give different predictions about future developments in the lending market. Thus, according to a favorable scenario, the amount of outstanding debt will grow by 10-15% and the end of 2011 will be about 320 billion rubles. Pessimistic scenario, to which other experts are inclined to suggest that in the future from 30% to 70% of the restructured bank loans may once again become problematic. Whatever it was, the volume of lending will grow more slowly than before the crisis, according to both sides. Recall that at the beginning of December last year, banks were granted loans amounting to 3.997 trillion rubles., And the number of outstanding indebtedness of individuals reached 291 billion rubles.