Published on: 2026-04-14
Source: Mainfin Bank –
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The total debt of Russian citizens on loans and borrowings reached 45 trillion rubles for the first time by the beginning of 2026. This was reported by the Central Bank, specifying that only in the fourth quarter of 2025 the volume of debts increased by 988 billion rubles, which is 2.2%. Experts believe that the growth is associated with an increase in the number of mortgage transactions and an activation of consumer demand against the background of inflation stabilization.
Which loans account for the largest share of debt
Almost half of all the debt of Russians – 48% – is made up ofMortgage loans. And the total volume reached 21.7 trillion rubles. Another approximately 30%, or 13.4 trillion rubles, is accounted for byconsumer loans, which remain one of the main instruments for financing large purchases.Auto loansThey hold a share of 6.8% – this is about 3 trillion rubles. The remaining 6.9 trillion rubles include debt onmicroloans, accrued interest and other types of lending agreements.
According to analysts, record mortgage figures are explained by government support programs that stimulated demand even against the backdrop of rising rates. At the same time, specialists warn that the level of debt burden of Russians is gradually approaching historical maximums.
How the growing credit burden affects debtors
Debt arrears are also reflected in the statistics of enforcement proceedings. According to the Federal Bailiff Service, by the beginning of 2026, almost 9 million rulings on temporary travel restrictions abroad for debtors were in effect – 41.5% more than the previous year.
In total, in 2025, bailiffs collected 1.4 trillion rubles from citizens and companies. Of this amount, more than 660 billion rubles were transferred to organizations, approximately 240 billion rubles to individuals. Experts note that in the coming months, the primary focus will be on working with overdue debts, especially in the consumer segment.
What the credit market can expect in 2026
Financial analysts predict that the pace of credit growth will slow down in the coming months due to tighter lending conditions and the gradual depletion of government support resources in the mortgage sector. However, consumer credits will remain in demand, especially in the first half of the year, when citizens actively update household appliances and automobiles.
At the same time, the Central Bank expects the overall level of credit risks to remain controlled. The banking system, according to the regulator’s assessment, has sufficient capital reserves to withstand the current load and possible market fluctuations.
Results:
- The total debt of Russians has reached a historic level of 45 trillion rubles.
- Almost half of the debt consists of mortgage loans.
- By 2025, debts grew by 988 billion rubles (2.2%).
- Almost 9 million Russians are restricted from traveling abroad due to debts.
- FSSP recovered 1.4 trillion rubles from debtors over the year.
- The increase in loans is explained by government support of mortgages and strong consumer demand.
- Experts expect a slowdown in lending rates in 2026.
Source:
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