Средний срок POS-кредитов в Калининградской области увеличился почти на 10 %

Фото из архива rugrad

{"ID":"1432037","~ID":"1432037","TAGS":"товарные кредиты, калининградская область, кредитование, регионы, НБКИ","~TAGS":"товарные кредиты, калининградская область, кредитование, регионы, НБКИ","NAME":"Средний срок POS-кредитов в Калининградской области увеличился почти на 10 %","~NAME":"Средний срок POS-кредитов в Калининградской области увеличился почти на 10 %","IBLOCK_ID":"54","~IBLOCK_ID":"54","IBLOCK_SECTION_ID":"4067","~IBLOCK_SECTION_ID":"4067","DETAIL_TEXT":"\u003Cp\u003E\r\n\u003C\/p\u003E\r\n\u003Cp\u003E\r\n\u003C\/p\u003E\r\n\u003Cp\u003E\r\n\t Средний срок POS-кредитов в Калининградской области увеличился за месяц почти на 10 %.\r\n\u003C\/p\u003E\r\n\u003Cp\u003E\r\n\t В декабре 2025 года в Калининградской области средний срок POS-кредитов (товарных кредитов) составил 14,7 месяца, увеличившись по сравнению с предыдущим месяцем на 9,7 % (в ноябре 2025 года — 13,4 мес.). Соответствующие данные порталу RUGRAD предоставили в Национальном бюро кредитных историй.\u0026nbsp;\r\n\u003C\/p\u003E\r\n\u003Cp\u003E\r\n\t В целом по РФ в декабре 2025-го средний срок POS-кредитов составил 13,9 мес., увеличившись по сравнению с предыдущим месяцем на 4,1 % (в ноябре — 13,3 мес.). По сравнению с аналогичным периодом 2024 года (13,6 мес.) средний срок POS-кредита в декабре 2025 года увеличился на 2 %.\u0026nbsp;\r\n\u003C\/p\u003E\r\n\u003Cp\u003E\r\n\t Наибольший средний срок выданных POS-кредитов в отчетный период был отмечен в Алтайском крае (15,5 мес.), Саратовской (15,4 мес.) и Кемеровской (15 мес.) областях. 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Банки понижают свой аппетит к риску, поэтому при одобрении товарных кредитов и их условий (включая сроки) предъявляют достаточно высокие требования к качеству кредитных историй граждан, снижая тем самым риски просрочек в будущем», — прокомментировали специалисты НБКИ.\r\n\u003C\/p\u003E","~DETAIL_TEXT":"\u003Cp\u003E\r\n\u003C\/p\u003E\r\n\u003Cp\u003E\r\n\u003C\/p\u003E\r\n\u003Cp\u003E\r\n\t Средний срок POS-кредитов в Калининградской области увеличился за месяц почти на 10 %.\r\n\u003C\/p\u003E\r\n\u003Cp\u003E\r\n\t В декабре 2025 года в Калининградской области средний срок POS-кредитов (товарных кредитов) составил 14,7 месяца, увеличившись по сравнению с предыдущим месяцем на 9,7 % (в ноябре 2025 года — 13,4 мес.). Соответствующие данные порталу RUGRAD предоставили в Национальном бюро кредитных историй.\u0026nbsp;\r\n\u003C\/p\u003E\r\n\u003Cp\u003E\r\n\t В целом по РФ в декабре 2025-го средний срок POS-кредитов составил 13,9 мес., увеличившись по сравнению с предыдущим месяцем на 4,1 % (в ноябре — 13,3 мес.). По сравнению с аналогичным периодом 2024 года (13,6 мес.) средний срок POS-кредита в декабре 2025 года увеличился на 2 %.\u0026nbsp;\r\n\u003C\/p\u003E\r\n\u003Cp\u003E\r\n\t Наибольший средний срок выданных POS-кредитов в отчетный период был отмечен в Алтайском крае (15,5 мес.), Саратовской (15,4 мес.) и Кемеровской (15 мес.) областях. Наименьший показатель среднего срока POS-кредитов в декабре продемонстрировали Дагестан (12,3 мес.), Москва (12,3 мес.), Северная Осетия – Алания (12,7 мес.), а также Московская (13,1 мес.) и Воронежская (13,2 мес.) области.\r\n\u003C\/p\u003E\r\n\u003Cp\u003E\r\n\t В Москве и Санкт-Петербурге средний срок POS-кредитов увеличился на 1,7 % и 4,8 % соответственно.\r\n\u003C\/p\u003E\r\n\u003Cp\u003E\r\n\u003C\/p\u003E\r\n\u003Cp\u003E\r\n\t «После существенного сокращения среднего срока товарных кредитов во второй половине 2024 – начале 2025 годов (с 1,5 лет до 1 года) в дальнейшем он стабилизировался на уровне 13-14 месяцев. При этом одобрение заявок на POS-кредиты в последние месяцы 2025 года находилось на очень низком уровне (10–12 %). 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