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Доля отказов по кредитам в регионе превысила 82 %
Фото из архива rugrad
Доля отказов по всем заявкам на розничные кредиты (потребительские кредиты, пос-кредиты, кредитные карты, автокредиты и ипотека) в ноябре 2025 года в Калининградской области составила 82,4 %, увеличившись по сравнению с аналогичным периодом прошлого года (78,2 %) на 4,2 процентного пункта. Соответствующие данные порталу RUGRAD предоставили в Национальном бюро кредитных историй.
В августе 2025 года показатель в регионе был на уровне в 81,7 %, в августе 2024 года — 76,3 %.
В целом по РФ доля отказов по всем заявкам на розничные кредиты в ноябре 2025 года составила 82,6 %, увеличившись по сравнению с аналогичным периодом прошлого года на 5,1 п. п. (в ноябре 2024 года — 77,5 %). По сравнению с предыдущим месяцем доля отказов увеличилась на 0,4 п. п. (в октябре 2025 года — 82,2 %). При этом в ноябре было отмечено самое высокое значение данного показателя за последний год, отметили в НБКИ.
Наибольшие доли отказов по всем заявкам на розничные кредиты в ноябре 2025 года были отмечены в Кемеровской (84,4 %), Новосибирской (84,2 %) и Омской (84,2 %) областях, а также в Алтайском крае (83,8 %) и Иркутской области (83,7 %). Наименьшие доли отказов были зафиксированы в Нижегородской (78,9 %) и Воронежской (79,1 %) областях, Удмуртии (79,4 %) и Белгородской области (79,6 %).
В Москве и Санкт-Петербурге данный показатель составил 79,9 % и 80,1 % соответственно. Самая серьезная динамика роста доли отказов по всем заявкам на розничные кредиты в ноябре 2025 года по сравнению с предыдущим месяцем была зафиксирована в Москве (+6,8 п. п.), Красноярском крае (+6,4), Санкт-Петербурге (+6,2), а также в Самарской (+6,1) и Московской (+5,9) областях.
«Одобрение розничных кредитов остается на низком уровне с тенденцией к дальнейшему сокращению. Банки, в условиях серьезных ограничений по кредитованию граждан с высокой долговой нагрузкой, не спешат повышать свой аппетит к риску. С другой стороны, снижения ключевой ставки до нынешнего уровня и стабилизации полной стоимости кредитов пока недостаточно для возвращения на рынок большинства заемщиков хорошего кредитного качества», — прокомментировали авторы исследования.
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- Доля отказов по заявкам на потребительские кредиты (кредиты наличными) в Калининградской области в октябре 2025 года составила 75,8 %, увеличившись по сравнению с аналогичным периодом прошлого года на 8,4 процентных пункта.
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