The dynamics of loans to individuals acquires the nature of rabies. In April, 1.67 million were issued. This is an absolute record for the entire existence of the banking system. And the previous one was in March – 1.6 million. Even in the seemingly obese on December 2019, only 1.4 million loans were taken in the seemingly obese December 2019.
There are three explanations:
1) climbed into the mortgage, not realizing that the preferential is more expensive than usual, but now there is nothing to do-the purchased apartments should be somehow put in order and furnished, and not something;
2) there is simply nothing to maintain the usual standard of living;
3) Long -term goods must be bought now, because tomorrow it will be more expensive.
The last explanation is the most important. Inflational expectations of the public are enormous: what is being done with price tags, while the Central Bank carefully increases its forecasts for inflation on tenths of interest, they see everything. They also see the prohibitions of exports-the only thing that remains the government in order to somehow maintain the first necessities in the market. The ban on export is a reduction in foreign exchange earnings, which provides imports. Accordingly, imports will be less, and it will be even more expensive, even with a certain strengthening of the ruble. So, you need to buy now, and banks willingly provide excitement demand inadequate liquidity. Which leads to an increase in prices, which would be normal somewhere around the mountains and then, right now.
Prices increases a new round of hype. Each new round is even more likely, even more money on the market, even more price increase. In the absence of the opportunity with bulging eyes to run for a loan for a washing machine and the refrigerator, the situation would be softer. But banks help people close the vicious circle, which turns into a stray on millions of households.
There are already more than 19 million debtors in Russia today. This is more than a quarter of a employed and something in the very least earning population of the country. And these debts are quite hopeless so that 7 million of these 19 are made by the Federal Tax Service of Non -Track. Those. More than a third of debtors not only do not extinguish the debt, but they cannot serve it. 103 thousand people were able to turn the situation and pay off old debts by 9.2 billion rubles. This, by the way, also speaks of the scale: the average debt is about 90 thousand, and the total amount is then somewhere around 1.6 trillion. But citizens run to take more
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