В августе 2025 года средний срок POS-кредитов (товарных кредитов) в Калининградской области составил 13,9 мес., снизившись по сравнению с аналогичным периодом прошлого года на 14 % (в августе 2024 года — 16,4 мес.). Соответствующие данные порталу RUGRAD предоставили в НБКИ.
В июне 2025 года показатель составил 14,1 месяца, в мае — 14,4 мес.
В целом по РФ в августе 2025 года средний срок POS-кредитов составил 13,9 мес., снизившись по сравнению с аналогичным периодом прошлого года на 13,9 % (в августе 2024 года — 16,1 мес.). По сравнению с предыдущим месяцем средний срок POS-кредита почти не изменился, символически увеличившись на 0,4 % (в июле 2025 года — 13,8 мес.).
Наибольший средний срок выданных POS-кредитов в указанный период был отмечен в Кемеровской (14,9 мес.) и Тюменской (14,7 мес.) областях, Ставропольском (14,5 мес.) и Красноярском (14,4 мес.) краях, а также в Челябинской области (14,4 мес.).
Наименьший показатель среднего срока POS-кредитов продемонстрировали Москва (12,4 мес.), Санкт-Петербург (12,9 мес.), а также Московская (13,2 мес.), Нижегородская (13,5 мес.) и Ростовская (13,8 мес.) области.
Самая серьезная динамика снижения среднего срока POS-кредитов в регионах РФ в августе 2025 года по сравнению с аналогичным периодом прошлого года была зафиксирована в Санкт-Петербурге (-20,4 %), Саратовской (-19,7 %), Московской (-17,5 %) и Ростовской (-17,4 %) областях, а также в Москве (-15,6 %).
«После сокращения во второй половине прошлого года, в 2025 году средний срок товарных кредитов стабилизировался. Такая динамика среднего срока POS-кредитов отмечается на фоне их стабильно невысокой выдачи, обусловленной снижением аппетита к риску у банков и спроса на товарные кредиты со стороны граждан. При этом банки продолжают охотно предоставлять POS-кредиты заемщикам «хорошего кредитного качества», показатель долговой нагрузки (ПДН) которых не превышает 50 %. В этой связи потенциальным заемщикам стоит внимательно следить за своей кредитной историей, не допуская ее ухудшения», — прокомментировали специалисты НБКИ.
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