Experts estimate the number to be on the verge of bankruptcy of the Russians

Currently under the law on bankruptcy fall approximately 593 thousand Russians owed to banks more than half a million rubles, and overdue payments more than three months, informs “RIA Novosti” with reference to data of the joint credit Bureau (OKB).

“This is about 1.4% of the total number of borrowers with open accounts”, — stated in the message OKB, according to which most potential bankrupts lives in Moscow, Moscow region, St. Petersburg, Krasnodar and Krasnoyarsk edges, and also Sverdlovsk, Rostov, Chelyabinsk and Samara regions.

To regions where a potential bankrupt lives least of all, the design Bureau considers the Nenets and the Chukotka Autonomous district, Jewish Autonomous oblast, Magadan oblast and Kamchatka Krai and the Altai Republic, Ingushetia, Tyva, Chechnya, and Mari.

Previously, the Bureau has reported that, on average, in 2015, each citizen had the loan of 1.7 against 1.8 in 2014. The average Russian monthly pay loans made 12,7 thousand rbl., however in some regions the average size of the monthly payment was significantly higher. Thus, in the Magadan region it amounted to 27 thousand rubles, Chukotka — 25,5 thousand roubles, in Kamchatka — 19.8 thousand rubles, and in Moscow — 18.2 thousand rubles were paid Less than other borrowers from Ingushetia (7.9 thousand rubles), Tambov region (8 thousand roubles) and Chechnya (8,9 thousand rbl.).

Average level of credit load, which determines what share of their monthly income the average Russian was given to banks for repayment of loans in 2015 has decreased from 41% to 37%.

“The trend looks positive, but do not forget that when calculating the index credit load is taken into account nominal income borrowers, while the real income of citizens, according to Rosstat, in 2015 dropped to an average of 4.7%. As a result, more borrowers may experience difficulty servicing existing loans. According to the Bureau, in 2015, 50% of borrowers used cash loans for partial or full repayment of existing obligations, whereas in 2014 there were 43%”, — explained the General Director of the design Bureau Daniel Zelensky.

In 26 regions of Russia, the debt burden still exceeds 50%, and in Karachay-Cherkessia, Kalmykia and Dagestan him, as noted in the Bureau report, is critical.

The law allows bankrupt individuals, entered into force on 1 October 2015. In accordance with the law, the bankrupt within five years will not be able to get a loan or even to buy goods in installments without informing previously to the Bank about its previous bankruptcy. In addition, within three years the bankrupt is not entitled to participate in the management bodies of legal entities or “otherwise participate in the management of a legal entity”.