Доля отказов по кредитам в регионе превысила 83 %

Фото rugrad

{"ID":"1455252","~ID":"1455252","TAGS":"кредиты, отказы, Калининградская область, НБКИ, регионы, задолженность","~TAGS":"кредиты, отказы, Калининградская область, НБКИ, регионы, задолженность","NAME":"Доля отказов по кредитам в регионе превысила 83 %","~NAME":"Доля отказов по кредитам в регионе превысила 83 %","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\t В Калининградской области доля отказов по всем заявкам на розничные кредиты (потребительские кредиты, POS-кредиты, кредитные карты, автокредиты и ипотека) в январе 2026 года составила 83,1 %. По сравнению с аналогичным периодом прошлого года показатель увеличился на 5,4 процентного пункта (в январе 2025 года — 77,7 %). Соответствующие данные порталу RUGRAD предоставили в Национальном бюро кредитных историй.\r\n\u003C\/p\u003E\r\n\u003Cp\u003E\r\n\t В целом по РФ доля отказов по всем заявкам на розничные кредиты в январе 2026 года составила 82,7 %, увеличившись по сравнению с аналогичным периодом прошлого года на 4,4 п. п. (в январе 2025 года — 78,3 %).\u0026nbsp;\r\n\u003C\/p\u003E\r\n\u003Cp\u003E\r\n\t По сравнению с предыдущим месяцем данный показатель вырос на 0,1 п. п. (в декабре 2025 года — 82,6 %). При этом в последние четыре месяца доля отказов по всем заявкам на розничные кредиты стабилизировалась на уровне 82–83 %, отметили в НБКИ.\r\n\u003C\/p\u003E\r\n\u003Cp\u003E\r\n\t Наибольшие доли отказов по всем заявкам на розничные кредиты в январе 2026 года были отмечены в Кемеровской (84,5 %), Омской (84,4), Новосибирской (84,2 ) и Оренбургской (84,1) областях, а также в Краснодарском крае (83,7). Наименьшие доли отказов были зафиксированы в Нижегородской области (78,8 %), Удмуртии (79,2), Воронежской области (79,3), Москве (79,6) и Белгородской области (79,7).\r\n\u003C\/p\u003E\r\n\u003Cp\u003E\r\n\t В исследовании также отмечается, что самая серьезная динамика роста доли отказов по всем заявкам на розничные кредиты в январе 2026 года по сравнению с аналогичным периодом прошлого года была зафиксирована в Москве (+6,2 п. п.), Татарстане (5,9), Самарской (5,8) и Московской (5,4) областях, а также в Санкт-Петербурге (5,1).\r\n\u003C\/p\u003E\r\n\u003Cp\u003E\r\n\t «В конце 2025 – начале 2026 годов одобрение банками заявок на розничные кредиты стабилизировалось, но по-прежнему находится на очень низком уровне. 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 пока недостаточно для возвращения на рынок большинства заемщиков хорошего кредитного качества. В свою очередь, конкуренция банков в борьбе за граждан с высоким уровнем кредитоспособности только нарастает. По заявкам таких заемщиков доля отказов в настоящее время составляет 56 %», — прокомментировали специалисты НБКИ.\r\n\u003C\/p\u003E","~DETAIL_TEXT":"\u003Cp\u003E\r\n\u003C\/p\u003E\r\n\u003Cp\u003E\r\n\t В Калининградской области доля отказов по всем заявкам на розничные кредиты (потребительские кредиты, POS-кредиты, кредитные карты, автокредиты и ипотека) в январе 2026 года составила 83,1 %. По сравнению с аналогичным периодом прошлого года показатель увеличился на 5,4 процентного пункта (в январе 2025 года — 77,7 %). Соответствующие данные порталу RUGRAD предоставили в Национальном бюро кредитных историй.\r\n\u003C\/p\u003E\r\n\u003Cp\u003E\r\n\t В целом по РФ доля отказов по всем заявкам на розничные кредиты в январе 2026 года составила 82,7 %, увеличившись по сравнению с аналогичным периодом прошлого года на 4,4 п. п. (в январе 2025 года — 78,3 %).\u0026nbsp;\r\n\u003C\/p\u003E\r\n\u003Cp\u003E\r\n\t По сравнению с предыдущим месяцем данный показатель вырос на 0,1 п. п. (в декабре 2025 года — 82,6 %). При этом в последние четыре месяца доля отказов по всем заявкам на розничные кредиты стабилизировалась на уровне 82–83 %, отметили в НБКИ.\r\n\u003C\/p\u003E\r\n\u003Cp\u003E\r\n\t Наибольшие доли отказов по всем заявкам на розничные кредиты в январе 2026 года были отмечены в Кемеровской (84,5 %), Омской (84,4), Новосибирской (84,2 ) и Оренбургской (84,1) областях, а также в Краснодарском крае (83,7). Наименьшие доли отказов были зафиксированы в Нижегородской области (78,8 %), Удмуртии (79,2), Воронежской области (79,3), Москве (79,6) и Белгородской области (79,7).\r\n\u003C\/p\u003E\r\n\u003Cp\u003E\r\n\t В исследовании также отмечается, что самая серьезная динамика роста доли отказов по всем заявкам на розничные кредиты в январе 2026 года по сравнению с аналогичным периодом прошлого года была зафиксирована в Москве (+6,2 п. п.), Татарстане (5,9), Самарской (5,8) и Московской (5,4) областях, а также в Санкт-Петербурге (5,1).\r\n\u003C\/p\u003E\r\n\u003Cp\u003E\r\n\t «В конце 2025 – начале 2026 годов одобрение банками заявок на розничные кредиты стабилизировалось, но по-прежнему находится на очень низком уровне. Банки, в условиях серьезных ограничений по кредитованию граждан с высокой долговой нагрузкой, не спешат повышать свой аппетит к риску. 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