Russians borrow 3.9 trillion rubles from banks last year —


The number of online loan applications increased by 2.5 times, and Kazan residents were more interested in mortgages in the country.

Photo: Maksim Platonov

About 3.86 trillion rubles Russians lent from banks last year, and this is only in the format of online applications, the number of which has increased dramatically – by 2.5 times. In addition, Kazan residents demonstrated an unprecedented increase in demand for both mortgages and microcredit: too many got bogged down in loans. For what purposes the residents of the capital of Tatarstan and other cities most often asked for money, what housing they preferred to buy with borrowed funds, and what insurance products they issued – read the details in the material of Realnoe Vremya.

The demand for mortgages has increased sharply among residents of Kazan

In the conditions of the second year of the pandemic, high inflation and falling real incomes, the Russians were 2.5 times more likely to apply online for credit assistance from banks. The total amount of money requested by the population amounted to 3.86 trillion rubles. The average amount of the requested loan is 300,000 rubles. Most of the time, people borrowed money to make repairs, buy or change a car.

However, mortgages were also in high demand. The number of applications for the purchase of housing on credit increased by 23% over the year, and the residents of Kazan had no equal here. Residents of the capital of Tatarstan have increased their interest in this service by up to 135%! The majority, 48% of users, preferred second homes, 22%, new buildings. Residents of Rostov-on-Don and Krasnodar were the least interested in the issue of housing in the country; here, the number of people who wanted to obtain a mortgage increased by only 27% and 20%, respectively. The average amount of a mortgage application in Russia averaged 2.8 million rubles.

Number of applications to purchase housing on credit increased by 23% in the year. Photo: Rinat Nazmetdinov

In their preferences for buying non-standard apartments, Kazan residents did not differ much from the country’s average indicators. Secondary housing was chosen by more than 46% of Russians, new – more than 22%, suburban – almost 14%. But in the last segment of real estate, the interest of Kazan residents in a country house also increased sharply – by 138%, and in Russia as a whole – by 59%.

Explosive growth of interest in microcredits

Furthermore, residents of Kazan were 3.5 times more likely than other Russians to apply for microcredit. The capital of Tatarstan is among the top 5 cities where in 2021 there was an increase in microcredit applications. Thus, the number of Kazan residents who applied to the bank for this service soared by 361%. But Novosibirsk is the leader in this rating – 395%, and Samara completes the top five – 330%.

Throughout the country, the number of people willing to take out a quick loan increased by 170%. The most requested microcredit amounts from Russians are 5 thousand and 10 thousand rubles, the so-called loans. In Kazan, these indicators are again several times higher than in the country. On average, residents of Kazan borrow from 25 thousand to 31 thousand rubles.

“That is, when people don’t have enough money at the end of the month, they take out this loan and solve their problems. We have conducted extensive research on this audience, people simply do not have enough money for standard needs, to buy some household items, and they solve their tasks in this way,” said Market CEO Sergey Leonidov. , at a press conference. .

Cars of the VAZ, Toyota and Hyundai brands were most often insured in Russia

According to analysts, the pandemic has changed the financial habits of Russians: they have switched to the online format. “If a person lives in a small city, there are often few banks there. But you can apply for a loan or deposit in a bank that is not even in your city, via the Internet,” said Sergey Leonidov.

The experts also shared data on what has changed in the insurance market. The number of Kazan customers who purchased a mandatory vehicle owner’s liability insurance policy increased by 173.3%. The number of Comprehensive Coverage policies acquired in the republic increased by 15.02%. The average age of an insured car in Russia is 10 years. VAZ, Toyota and Hyundai cars were insured most often. The average age of the policy buyer is 41 years.

Travel insurance was also in demand. The number of travel insurance sold in Kazan increased by 135%. Most often, Kazan residents bought policies for trips to Turkey, the United Arab Emirates, and the countries of the Schengen zone.

Emil Ziyangirov



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