Today's figure - 86% of Russians used loans in the last three years.
These are the results of a study conducted by VTsIOM at the request of the National Association of Professional Collection Agencies (NAPKA).
Most often, Russians used credit cards (57%) and consumer loans (41%). At the same time, for the majority, borrowed money remains more of a forced decision than a recognized financial planning tool.
For what is it justified to take a loan according to the citizens of the Russian Federation?
The Russians see loans for large and long-term expenses as the most justified:.
Buying a house - 84%.
Treatment - 81%.
Education - 72%.
Buying a car - 71%.
Large household appliances - 61%.
How do Russians repay their debts?
Among those who used loans, 39% usually return loans before the deadline, another 42% - according to the schedule, without delays. One in ten people admits that sometimes they postpone payments for several days or weeks. 2% have debts and loans that they have not repaid at all.
The debtors are actually pitied rather than condemned.
43% of respondents feel sympathy for people with large credit debt, while 26% feel condemnation. At the same time, 82% believe that one should resort to bankruptcy only when there is nothing left to settle debts.