The Central Bank of the Russian Federation called the total amount of debt of Russians on consumer loans.

According to the regulator, this figure rose by 22.8% last year. Thus, citizens of the Russian Federation owe 14.9 trillion rubles.

Representatives of the Central Bank of the Russian Federation noted that the acceleration of lending to individuals occurs because Russians are gradually moving away from the savings model, this leads to an increase in consumption.

In addition, lower interest rates in 2018 contributed to the growth of the credit market. Recall that in December last year the interest rate on ruble loans for individuals was 12.4% per annum.

In 2018, banks most often issued mortgage loans and consumer loans. Thus, the mortgage loan portfolio increased from 5.34 trillion rubles to 6.53 trillion rubles, and for unsecured consumer lending - from 6.02 trillion rubles to 7.3 trillion rubles.

The message on the official website of the regulator also clarifies that despite the growth in consumer loans, Russians hold almost as much money in their accounts as legal entities: 28.5 trillion rubles against 28 trillion rubles. The growth of deposits of Russian citizens and companies grew by an average of 6-6.5%.

The Central Bank mentioned the profit of banks in 2018: it rose to 1.3 trillion rubles.

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