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Ufa   °

Молния

Bashkortostan position in regions rating of population debt load is defined

Economy/Business

UFA, 26 December 2019. /Bashinform News Agency/ translated by Tatiana Aksyutina/.

Bashkiria takes 77th place in the ranking of regions according to the debt load of the population, according to the results of the «RIA Rating» study.

Thus, the indicator of debt load in Bashkiria is 66.7%, the average amount of debt to banks per person is 247 thousand rubles, and the change in debt per person per year is 42 thousand rubles.

The Republic of Ingushetia (the ratio of average per capita bank debt to annual salary is 9.9%), the Republic of Crimea (13.9%), and Sevastopol (15.9%) were among the leaders in the ranking by regions with the lowest debt. According to experts, the lowest level of loans can be associated with a low representation of banks, and as a result, low availability of loans for the population, as well as with the effect of a low base.

The most credited subjects of the Russian Federation were Kalmykia, as well as Tuva and the Kurgan region. Thus, the indicator of the debt load in Kalmykia is 86%. Tuva, which ranks second from the end, has 76%. The Kurgan region, which closes the top three outsiders, is characterized by a ratio of annual salary and average debt of 73%.

The situation with the debt burden of the population in the regions is different — the ratio of loans to annual wages varies from 9.9% to 86.2%, and the average level is 47.1%. Consumer lending is showing strong growth amid falling interest rates.

The data show that the volume of household loans for 12 months (as of November 1, 2019) increased by 19.4%, to 17.2 trillion rubles. At the same time, the average nominal salary over the past year has grown significantly less — by 8.9%.

According to RIA Novosti experts, the total debt on average per economically active resident of the country for the year increased by 37 thousand rubles, to 227 thousand. Thus, the debt load of the population, which can be defined as the ratio of debt to annual wages, is growing quite quickly — from 44.9% in 2018 to 47.1% in the current rating.

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