About 7-8 million Russians may experience difficulties when trying to go abroad due to overdue debts. This was stated in an interview with RIA Novosti by the President of the National Association of Professional Collection Agencies (NAPKA) Elman Mehdiyev on Friday, November 26.
According to him, citizens who have overdue debts for more than 90 days in the amount of more than 30 thousand rubles are potentially restricted to travel abroad.
“In fact, all citizens with any debts are in the risk zone. But if we are talking about bank clients, today about 7-8 million people are potentially restricted to travel abroad, ”Mehdiyev said.
It turns out that every sixth borrower, provided that the lender receives a court decision, will not be able to leave the country.
The President of NAPCA added that the average borrower is a man and a woman aged 30–35 who are married and have children. The average income of a family of debtors is about 30-60 thousand rubles a month, although in large cities this figure is two to three times higher. Most of the debtors – 20% of the total – are among drivers, sellers and waiters.
It is noted that in 60% of cases, delinquencies are allowed on consumer loans, in 37% – on credit cards. The best payments are made on secured loans: car loans account for 1.5% of delinquencies, mortgages – 0.5%. On average, Russians are overdue on loans of 70–80 thousand rubles, and on microloans – 10–12 thousand rubles.
Earlier on the same day, Izvestia wrote that the volume of bad overdue debts of Russians on credit cards exceeded 100 billion rubles. This is the largest increase among all consumer lending segments.
The volume of “hopeless” delinquencies on credit cards increased to 108.7 billion rubles. Bad debts are debts that have not been paid for more than 360 days. According to the credit bureaus Equifax and NAPKA, the volume of such debt increased by 19.6% over the year.
The experts interviewed by Izvestia recommended to carefully study the terms of credit products, assess their own solvency and the existing debt burden, and also not to turn to illegal providers of financial services – black creditors.