Mortgage and car loan delinquencies have skyrocketed over the past year

In the second quarter of 2025, the volume of overdue loans owed by Russians on targeted loans almost doubled compared to the same period last year, Izvestia reports, citing data from the United Credit Bureau (OKB). Mortgage arrears reached 95 billion rubles, an increase of 97%, and car loans - 32 billion rubles, which is 85% higher than last year's level.

Debt is inappropriate: banks will be prohibited from transferring loans overdue for more than 60 days to collectors

The deputies propose to oblige financial organizations to solve problems with non-payers on their own

The Bank of Russia confirmed the deterioration in the quality of servicing these types of loans. According to the regulator, the share of loans overdue for more than 90 days is already 4% for car loans and 1.1% for mortgages. The central bank explained that the increase in indicators is associated with the "maturation" of loans issued during the period of rapid lending in 2023-2024, when banks actively worked with high-risk borrowers.

Economists note that the situation is also affected by the accelerated price growth. According to expert Andrey Barkhota, the cost of goods and services has increased significantly over the past six months, annual inflation remained close to 10% in June, and food prices rose even faster. As a result, an increasing part of citizens' incomes is spent on current consumption, and there are fewer funds left to service debts.

Read more in the exclusive Izvestia article:

Accept the debt: mortgage and car loan arrears have almost doubled in a year