According to results, difficulties with repayment of the credits are experienced by 60% of borrowers, every fourth family the most part of the budget spends for repayment of debts. The situation is how critical? Photo: Andrey of Makhonin/TASS Most of borrowers — 60% — experience difficulties with repayment of the credits, experts of Rospotrebnadzor and World Bank found out during the large-scale sociological poll. Its results will publish in the fall, but RBC publishes some data now. It became clear that every fourth Russian family spends the most part of the budget for payments on the credits, daily expenses and payment of housing and public utilities. 14% experience difficulties with payment of interest. The most popular credit — consumer. Most often it is taken for purchase of furniture and household appliances. The less family budget, the is higher debt load. It is necessary to borrow not only in bank, but also in microfinance institution. Such families give a half of the budget on payment of the credits. However, a situation not critical, the vice president of Alfa-Bank Oleg Ivanov considers. Oleg Ivanov the vice president of Alfa-Bank "The provided figures are not entirely clear. From all provided figures there is one which bankers very well understand. It is that the number of delays is 7-8%, including on the current bank borrowers. And it is usual, normal bank statistics, what can really be measured, and what is documented. The figure which says that 60% of citizens have problems with repayment of the credit has no relation, most likely, neither to finance, nor to economy, and it is possible, purely psychological. If to remember the known popular wisdom what is taken on credit by strangers and for a while, and it is necessary to give the and forever, then psychological difficulties with repayment of the loan will be experienced by 100% of borrowers. Always heavy from the family budget some money to take out and give outside". However, in results of poll there are also objective data which say that in the market of crediting nothing dangerous occurs, the leading analyst of the Center of financial and technological innovations Fintech Lab Sergey Vilyanov noted. Sergey Vilyanov is the leading analyst of the Center of financial and technological innovations Fintech Lab "There is very interesting nuance concerning restructuring. In the last years two it became especially noticeable that many people who had the long-term credits for purchase of the car, the real estate still of some expensive things, began to restructure the debts not because at them everything is bad, and just because rates in banks very strongly decreased and just there was an opportunity to pay much less for the credit. For example, among my acquaintances who restructured a mortgage anew received it in other bank or in the bank, not one, not two, probably, people ten. Therefore this statistics has a peculiar defect: really, people got to deal with the debts, but it is connected not with the fact that they eat up the last piece of bread, and with the fact that they saw Cec's possibility
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