OREANDA-NEWSThe average size of consumer loans to Russians in the second quarter of 2019 reached 188.4 thousand rubles, which is 6.9% more than in the same period of 2018. This is reported by the National Bureau of Credit Histories (NBCH). The NBKI noted that, compared to the first quarter of 2019, the loan size increased by 10.4%, or 17.7 thousand rubles. At the same time, the last four quarters this figure is at a stable level of 170-190 thousand rubles.

In the second quarter of 2019, the largest consumer loans among 30 regions - leaders in terms of consumer lending were issued in Moscow (an average of 422 thousand rubles), the Moscow Region (306.3 thousand) and St. Petersburg (297.3 thousand).

Hardest of all, the average size of consumer loans in the second quarter of 2019 increased in the Khabarovsk Territory (+ 15.4% compared to the same period in 2018), Kemerovo and Tyumen regions (+ 14.9% and + 14.8%, respectively). At the same time, in a number of regions, the average size of consumer loans decreased, including in Moscow (-5.2%) and the Chelyabinsk Region (-0.2%).

"Recently, banks provide loans (including consumer) much more selectively, more actively issuing loans to citizens with a good credit history and higher income level", the press service quoted the marketing director of the NBCH, Alexei Volkov. As saying, most of all citizens who have recently increasingly resorted to consumer loans to pay for more “expensive” goods and services. Thus, retail lending is gradually moving towards a more diversified approach to the borrower.

The Bank of Russia is taking measures to reduce the debt burden of borrowers and the growth rate of lending, which, as the regulator believes, is noticeably ahead of the growth of both nominal income and salaries.