At the same time, as experts added, the level of approval of loan applications by banks slightly decreased - from 31.6% in June to 30.4% in July.
“Thus, banks still retain their low risk appetite of late.
Recently, consumer loans have been issued primarily to those citizens whose personal credit rating is at an acceptable level,” said Alexei Volkov, NBKI Marketing Director.
It is noted that the highest average
the amount of consumer credit among all regions of Russia in July was recorded in Moscow - 500.1 thousand rubles, and the smallest - in Ingushetia: 153.4 thousand rubles.
As Volkov emphasized, after falling in March-April of this year, the average size of consumer loans issued has been growing for the third month in a row.
At the same time, in July 2022, the average consumer loan amounted to 260.4 thousand rubles, an increase of 11.9% compared to the previous month.
At the same time, according to the specialist, in July the average consumer credit check almost returned to last year's level, having decreased compared to the same period in 2021 quite a bit - by only 3.7%, and compared to the "pre-sanction" February 2022 - by 4.2%.
“After a sharp decline in March-April, the average consumer credit check in the following months almost recovered to last year's levels and the level of the beginning of the year.
Moreover, this happened against the backdrop of a significant increase in the issuance of consumer loans in April-July, which is primarily due to a decrease in the key rate of the Bank of Russia and the subsequent reduction in market rates, ”concluded the interlocutor of RT.
Earlier it became known the average number of existing loans from a Russian borrower.