So, 73% of Russians consider it an offense to take a loan from a bank and not return it. The share of those who hold this opinion has increased by 12 percentage points over eight years, from 61% in 2015.

Also, analysts made a portrait of the most responsible payer of the loan - this is a married woman with two or three children, who has an average income and lives in a small town with a population of up to 500 thousand people.

In addition, according to the study, every fifth resident of the country (20%) believes that non-repayment of the loan is not an offense if the borrower has good reasons for this. In 2015, a similar position was held by 37% of Russians, in 2017 - 26%.

In general, over eight years, the responsibility for repaying the loan among Russians has almost doubled (37% in 2015 against 20% in 2023), NAFI emphasized.

In addition, experts named the top 3 good reasons why Russians today consider it possible not to repay the loan: due to sudden circumstances (economic crisis, illness, loss of work, divorce - 35%), if the bank unilaterally increased the interest rate and loan payments (28%) and if the bank hid the real cost of the loan (23%).

In the dynamics of eight years, the priorities of the respondents have changed a lot: in 2015, people were twice as likely to believe that it was possible to stop paying on the loan if it turned out that the bank hid its real value and the total payments are much higher than the declared ones.

Then it was this factor that was in the first place, every second (47%) adhered to a similar position, experts said.

According to the survey, much less often Russians began to consider such a hypothetical situation as an increase in the interest rate by the bank unilaterally as a valid reason for non-repayment of the loan. In 2015, 45% of Russians believed that with such behavior of the bank there are serious grounds for the complete cessation of payments.

Also, fewer respondents began to justify the non-repayment of the loan by force majeure or sudden circumstances: eight years ago, 39% of Russians believed so.

The survey was attended by 1.6 thousand people.

Earlier, specialist Ella Boxer explained in an interview with RT what to look for when choosing a loan.