Погода
28 Мая 2021
Foreigners

Swollen Pockets Do Not Hold Pleasure

Источник фото: Андрей Зубило
Источник фото: Андрей Зубило

Krasnodar, 28 Мау. According to statistics, the average real monthly wages, calculated with consideration of the consumer price index, grew by 0.5% over the past year. 

As on the beginning of April, the total sum of mortgage arrears in the new homes market amounted to 564 million roubles, showing a 17% growth from the beginning of the year. The share of mortgage arrears in the new homes market equalled to 18.3% of the total mortgage arrears. These data were published by the Debt Consultant collection agency which analysed the information on the first quarter of the year provided by the Bank of Russia. 

“Playing demand satisfaction according to the rules introduced last year is showing its first negative results: the share of mortgage arrears against security of co-investment agreements reached 9% of the total volume of mortgage arrears, compared with 8.4% at the beginning of this year, and only 7.9% in March 2020,” Denis Aksenov of Debt Collection says. “Thereby, currently every tenth bad mortgage is the one taken for construction co-funding projects.”

 The demand for cars is growing following a decline in car crediting which happened in 2020, when the coronavirus constraints did not allow car dealers to promptly serve their customers, banks were reluctant to issue credits, and citizens postponed all purchases except of just bare necessities. Compared with the first quarter of 2020, the number of issued car credits grew by 11.2% in Krasnodar and amounted to 8,575. As for consumer credits, they continue to show a negative trend. Nonetheless, Kuban occupies the third place nationwide on the number of approved consumer credits. 

The size of credits issued to buy essential goods keeps growing in the region. In March, the average amount of a consumer credit was 229,000 roubles, or by 17.4% more than in March 2020 (195,200 roubles). 

During the first three months of this year, 222,300 ‘payday loans’ (up to 30,000 roubles) were issued in Krasnodar krai, which was by 39.2% more than in the same period of 2020 (159,700 payday loans). Anton Rogachevsky, Senior Lecturer of the Banking Department, Synergy University: 

“Household debt growth is first of all caused by the downfall of prices that took place at the beginning of the pandemic, and by various crediting programs meant to support population. The short-term fall in realty and car prices stimulated citizens to take bank credits – and Krasnodar krai was no exception. At the same time, this zone showed a significant growth in overdue debts, which can be explained by the fact that last year many resort cities received less profit than due because of the pandemic constraints, which affected the payment discipline. One should not forget that tourism is one of the main income sources in the Kuban region.” 

The current situation continues to leave much to be desired because of a leap in prices for recreation.



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