56% of Russians almost never borrow money. Twenty years ago, the proportion of those who did not take out loans was 36%. Vedomosti writes about this based on a VTsIOM survey.
In most cases, two age categories try not to borrow money: young people under 24 years old and citizens over 60 years old. Those who are satisfied with their income and residents of Moscow and St. Petersburg also do not go into debt.
The main “creditors” for 55% of Russians remain relatives and close friends, while every third person is ready to take a loan from a bank, only 1% can apply at an MFO.
The maximum amount that Russians are willing to borrow is 579.2 thousand rubles, or about eight average monthly salaries in the country. According to Rosstat, for three quarters of 2023, the average monthly salary was 70.3 thousand rubles.
The vice-rector of the Financial University, Alexander Safonov, considers the results of the study to be too optimistic. He could have obtained such a high figure if respondents had not considered loans within the household as debt obligations, “borrowing from mom and dad is not a debt.”
According to Alexey Verizhnikov, director of VTsIOM-Consulting, the increase in these years in the percentage of Russians who are not in debt from 36% to 56% is still the result of an increase in the financial education of the population.
Author:
Karina Pardaeva
Source: RB
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