You can take out a loan at 12% per annum or lower at Renaissance, Tinkoff Bank, Vostochny, the advantage of these banks is that they consider applications without providing a certificate of employment. Sovcombank and UBRD also do not require proof of income, but their minimum limit is 12% per annum. It is quite possible to receive money at a relatively low interest rate of 15% at Alfa-Bank.

Low interest loan

Home Credit Bank - loans up to 50,000 rubles from 10.9%!

Home Credit Bank is a leader in the consumer loans market at points of sale. To complete an online application and receive a loan, you only need a passport.
A wide range of products for clients of different social status. Additional favorable conditions for regular customers. Customer deposits are insured.
The Bank actively participates in the social life of society.

Summary: Home Credit Bank ranks first in the consumer loan market, thanks to low interest rates, customer focus and modern services.

Low interest cash loan

"Renaissance Credit" - up to 700,000 rubles at 11.3%

A bank with low interest rates, where you can get a consumer loan using two documents. It operates in almost all major cities of Russia, issues cash on the day of application for up to 5 years, and has a special program for pensioners.

Summary: Renaissance Credit is a bank with the lowest interest rates, where you can get a loan using two documents.

Low interest cash loans

Raiffeisen Bank - flat rate 10.99% for loan amount up to 2 million rubles

The bank follows the highest quality standards in its work, so clients trust it and agree to long-term cooperation.
To apply for a loan up to 300,000 rubles, you only need a passport; up to 1,000,000 rubles - passport and proof of income; up to 2,000,000 rubles - passport, proof of income and employment. The term of use is from 1 year to 5 years.
A decision on an online application is made in 2 minutes. You can receive an approved loan at the branch or with free courier delivery.

Summary: Raiffeisen Bank issues loans for large amounts at a reduced interest rate.

Low interest loans

"Eastern Bank" - low interest and high chances

In our opinion, Vostochny Bank does not offer the lowest rates, but it has the highest chances of having an application approved, even for borrowers with a bad credit history. In this bank you can take out a loan using your passport, without an income certificate or any additional documents. Applications are accepted online and reviewed within 5-10 minutes.

Summary: Vostochny Bank - not the smallest interest rates, but the maximum chances of approval of the application.

Lowest loan interest rate

"SKB-Bank" - simple and convenient lending.
SKB-Bank issues consumer loans in the amount of up to 300 thousand rubles without a certificate of income, up to 1.3 million rubles with a certificate. Interest rate from 9.9%. Loan term from 1 to 5 years. The loan application is reviewed within 2 business days. Early repayment is possible without commissions or penalties.
Convenient, modern and free online banking and mobile application.
Instant money transfers between cards of any banks.

Summary: SKB-Bank - low interest rates on loans for any purpose; universal online service.

Take out a small loan

Sovcom Bank is among the top 10 banks with the most favorable loans in 2018.
At Sovkom Bank you can take out a loan in the amount of 5 thousand to 1 million rubles for a period of 1 to 5 years. Interest rate – from 12% per annum. For a loan of up to 40 thousand rubles, you only need a passport. The best offer is a loan of 100,000 rubles for 1 year at 12% per annum. You can fill out an online application in 2 minutes.
There are special loan programs for pensioners. A larger amount can be obtained using a car or real estate as collateral.
If you have a bad credit history, the bank offers the Credit Doctor program.

Summary: Sovcom Bank is a large financial institution with attractive consumer lending conditions.

Take out a consumer loan at a minimum interest rate

Tinkoff Bank is a modern and practical bank with a full range of financial services.
A loan of up to 2 million rubles for 1-3 years is issued without certificates, guarantors or a visit to the bank. The interest rate on the loan is from 12%.
All applications are completed online, the card will be delivered by courier in 1 to 7 days to any location. Partial early repayment is possible - at any time by phone. Free replenishment at 300,000 points across Russia. There are mortgage lending programs.
The first Russian bank to completely abandon branches. Banking transactions are carried out instantly over the phone or via the Internet.

Summary: Tinkoff Bank is the best online retail bank with a variety of credit and debit cards for any need.

Consumer loan the most favorable conditions

Pochta Bank is a new retail bank with branches in Russian post offices.
At Pochta Bank you can get a loan of up to 1.5 million rubles for a period from 1 to 5 years. All you need is a passport and SNILS. For payments of 10,000 rubles per month, the interest rate is reduced from 12.9% to 10.9%. A decision on an application is made within 1 minute.
The Element 120 bank credit card allows you to make purchases with payment within 120 days. The bank has special conditions for loans for education and.

Summary: Pochta Bank is a universal retail bank with affordable loans for various purposes.

Banks consumer loan

Rosbank is part of the Societe Generale group, the leading universal European bank.
The bank offers a “Just Money” loan without collateral in the amount of 50,000 to 3,000,000 rubles with an interest rate of 13.5% to 19.5% for a period of 13 to 84 months. A passport and a certificate of income are required; if the amount exceeds 400,000 rubles, the bank requests additional data. The credit limit may be increased upon presentation of information about additional income. More attractive conditions are offered for borrowers who receive wages into an account at Rosbank, employees of partner companies, pensioners, public sector employees, etc.
Rosbank approves 8 out of 10 submitted loan applications.

Summary: Rosbank offers loan programs at rates above average.

Advantageous loan

OTP Bank is a universal credit organization that is part of the international financial OTP Group.
At OTP Bank you can get a loan in the amount from 15,000 to 4,000,000 rubles. Rates vary from 10.5% to 14.9%, determined by the bank taking into account the client’s risk level. Loan term up to 7 years. Application review time ranges from 15 minutes to 1 business day. There is a paid service “Change of payment date”.
Bank offices in 3,700 locations across the country. In addition to individuals, the bank cooperates with representatives of small and medium-sized businesses, develops credit solutions for corporate clients, and is a reliable partner for financial institutions.

Summary: OTP Bank provides loans to corporate clients and individuals, the interest rate is determined individually.

Take a loan from a bank at a minimum interest rate

UBRIR is the largest bank in Russia, offering high-quality service and simple financial solutions.
The bank offers three types of loan products:
● “Available” loan - up to 200,000 rubles with an interest rate of 11% without certificates and guarantors only with a passport;
● “Open” loan - up to 1,500,000 rubles, rate from 11%, you need a passport and income certificate;
● “120 days” - from 30,000 to 299,999 rubles for 3 years. Interest for using the loan is not accrued for the first 120 days; after the grace period, the rate is 28-31%. For registration you need a passport and income certificate.
Commission for maintaining a card account and withdrawing funds. Early repayment is free.

Summary: UBRD provides loans for various requests at affordable interest rates.

Best cash loans

Alfa Bank is the largest Russian private bank, one of the top 10 most significant credit institutions.
A universal bank that carries out all main types of banking operations, serving private and corporate clients, investment banking, trade finance, etc.
A cash loan in the amount of up to 3,000,000 rubles is issued from Alfa Bank with an interest rate of 11.99% for a period of 1 to 5 years.
A consumer loan up to 1,000,000 rubles is issued at a rate of 14.99%; for the first 100 days no interest is charged for using the money. All you need is a passport.
Alfa Bank has a huge selection of credit and mortgage lending and deposit options, free savings services, programs and loans secured by property.
The approval rate for applications is the highest.

Summary: Alfa Bank is a reliable bank that maintains a leading position and offers various services on favorable terms.

How to get a consumer loan at a low interest rate?

Start with “your” bank. If you receive a salary on a card, apply for money to the bank that issued this card. You will probably enjoy lower interest rates and minimal requirements for the package of documents. For example: standard consumer loan at Alfa Bank 15.99%. And if you receive your salary on a card, the interest rate is reduced to 13.99%

To increase your chances of finding the best deal, consider several options. Apply to two or three places at once, find out your individual rate and choose the bank that offers the most favorable conditions.

Gather your documents. Many banks issue cash loans without proof of income, and sometimes simply with the passport of a Russian citizen. This is convenient, but if you are counting on low interest rates, try to confirm your financial situation with some documents. Best of all - a certificate in form 2-NDFL and a copy of the work book.

Maternity capital is most often used by families to improve their living conditions. Real estate can be purchased with a mortgage or using your own funds. Let's figure out how to use matkapital to buy an apartment without the help of a bank or with such help, but without registering a deposit for square meters.

Age is not a barrier: loans for pensioners

Most people perceive retirement without enthusiasm. A decrease in income by at least half and health problems do not add optimism. Banks are urged not to reduce personal and social activity through loans. We understand the conditions and choose.

Good advice

How to teach your child financial literacy

What is financial literacy, at what age should you start talking to children about finances, how to behave in a store and whether to give pocket money, we will tell you in the article.

Topical

The Central Bank's concept for improving the regulation of life insurance

The Central Bank acts as a regulator not only of the banking market, but also of the insurance market. In 2019, the Central Bank announced the need to improve the investment life insurance system. What it is and what innovations await us, we will tell you in the article.

Topical

Biometrics to the masses: how banks will identify your identity

The Unified System of Biometric Identification and Authentication (USIA) of clients has been operating in Russia since July 1. According to representatives of the Bank of Russia, by the end of 2018, 20% of bank branches will be connected to it, and the process will be completed next year. We tell you what this means for clients.

• Credit Ural Bank has reduced rates on consumer loans

  Until the beginning of April of this year, you can apply for a consumer loan at Credit Ural Bank at a rate of 13% per annum. The promotional offer has been developed in the interests of customers who want to give gifts to their family and friends on the eve of the main winter-spring gender holidays. The most favorable rate for “demand” is provided

  19 Feb 2019

• Changes in rates

  Consumer loans fell in price at Rosbank

  Currently, an unsecured loan from Rosbank can be obtained at a rate of 9.99% per annum. The rate reduction under the program for issuing non-targeted loans amounted to 2 percentage points. According to representatives of the credit institution, the change in the cost of the loan is due to the bank’s desire to help clients realize more significant

  28 Aug 2018

• By September 1, Severgasbank reduced rates on consumer loans

  Especially for the beginning of the new academic year, Severgasbank reduced the cost of loans for consumer purposes to 9.75% per annum. Employees of educational institutions, as well as parents whose children are going to school, can take advantage of the special offer. The amount of the preferential “requirement” ranges from 50 thousand to 3 million rubles. Maximum

  23 Aug 2018

• Who is better

  MKB is in the top 20 rating of consumer loans

  According to the Kommersant publication, Moscow Credit Bank is among the 20 largest financial institutions in the Russian Federation in terms of the volume of consumer loans issued. MKB's retail portfolio is approaching 82 billion rubles. According to the bank, currently the most popular consumer loans are for refinancing,

  May 29, 2018

• Changes in rates

  Sotsinvestbank reduced rates on consumer loans

  “Salary” clients of Sotsinvestbank can now take out a loan for consumer purposes at 13.9% per annum. The maximum period for disbursing funds under the Salary Loan program is 7 years (84 months). The minimum interest rate is set for a loan in an amount over 300 thousand rubles. For corporate clients, the rate for receiving

  03 Oct 2017

• Something to be proud of

  Svyaz-Bank has developed “The most profitable consumer loan this fall”

  Svyaz-Bank’s loan product was included in the rating of “The most profitable consumer loans this fall.” Svyaz-Bank’s “Cash Loan” service allows you to get a loan at 12.9% per annum. The loan size ranges from 30 thousand to 3 million rubles. Money is issued for a period of six months to 5 years. The rating of profitable loans has been compiled

  29 Sep 2017

• Changes in rates

  Gazprombank reduces the cost of consumer loans

  On August 1, 2017, Gazprombank reduced rates on consumer loans to 12.75% per annum (for loan terms from 6 to 24 months). When drawing up a personal insurance contract, the loan rate is reduced by another 0.5 percentage point (previously, the premium for refusing insurance was 1%). Until the end of August, Gazprombank offers to receive

  07 Aug 2017

• Changes in rates

  Globex Bank: reduced rates on consumer loans

  Participants in Globex Bank salary projects can now obtain a consumer loan at a new rate, reduced to 15.5% per annum. The amount of interest on the loan decreased by 3 percentage points. To apply for a loan, you will need an application form and a passport. When determining the amount of a consumer loan, it is possible to

  April 13, 2017

We wrote a lot about Sberbank, revealed almost all aspects of its activities in the field of lending, and wrote about needs, but it’s 2017, so it’s time to check what changes in consumer loans to individuals at Sberbank occurred in 2017, how conditions have changed, interest rates, which products were added and which were removed from the archive.

Anyway, let's do a full review.

Let’s not talk for long about the fact that Sber is the largest bank in the country, that most people receive salaries on the cards of this bank, and so on.

Just what are we talking about? If you have a Sberbank card, then you should clearly have an increased interest in all bank products, including loans. Therefore, information about changes in Sberbank interest rates in 2017 on consumer loans to individuals is more than relevant.

However, everyone knows very well that Sberbank has all types of loans:

• car loans
• and for other citizens
• secured loans
• corporate loans

Sberbank for 2017 presents the following types of loan requirements for individuals:

• loan without collateral
• under the guarantee of individuals
• for personal farming
• military personnel
• secured by real estate
• loan refinancing

Separately, you need to understand that if you are a salary client of Sberbank, and most likely you are a salary client of this particular bank, then a consumer loan from Sberbank to individuals in 2017 (as before) can be obtained according to the most simplified scheme (). And even with “light” conditions. However, light conditions will only be expressed in minor bonuses that bring insignificant monetary savings. But most importantly, you save time that you could spend collecting papers and traveling around bank employees. Since Sberbank, in some cases, is ready to issue loans to its salary clients even remotely through Internet banking.

The table below shows interest rates on consumer loans at Sberbank in 2017.

The product's name	Credit term	Max Amount	Security	Bid
Without Collateral	up to 5 years	RUB 1,500,000	not required	from 13.9%
Under the guarantee of individuals	up to 5 years	RUB 3,000,000	surety	from 12.9%
For private farming	up to 5 years	RUB 700,000	guarantee for individuals	from 20%
For military personnel	up to 5 years	1,000,000 rub.	not required/guarantee from individuals	from 15.5%
On bail	up to 20 years	10,000,000 rub.	real estate pledge	from 14%
Refinancing	up to 5 years	1,000,000 rub.	not required	from 14.9%

Loan without collateral

This is a loan, during the registration procedure of which you do not need to pledge property and look for guarantors. The amount of money issued by the bank to the borrower is up to a maximum of 1,500,000 rubles, which is not small in modern banking reality.

Conditions for issuing a loan:

• interest rate from 13.9% per annum
• The optimal age limit for a citizen wishing to receive a loan is from 21 to 65 years
• the smallest amount that a bank can issue is 15,000 rubles (from 45,000 rubles in the capital)
• the largest amount that a bank can issue is 1,500,000 rubles
• no collateral needed

Unsecured loans refer to loans with a minimum package of documents, for example. The amount of such loans is small due to the high risk of non-repayment.

There is another pitfall - the interest rates on the loan will be very high.

However, by issuing consumer loans to individuals without collateral in 2017, Sberbank tried to protect itself as much as possible from the risks of non-repayment, therefore it imposes additional requirements on the work experience of borrowers - at least it must be at least 3 months.

Loan guaranteed by individuals

If there are guarantors, the bank can issue a consumer loan to an individual from Sberbank in 2017 in the amount of up to 3,000,000 rubles.

And why all?

Not only your income is taken into account, but also the income of co-borrowers, and for guarantors, their legal responsibility for you is taken into account, that is, there will be someone else to press (what is a guarantee,).

Well, the plus of such a loan is a lower interest rate, since the bank has a greater chance of repaying this loan.

Conditions:

• interest rate from 12.9% per annum
• age limit must be from 18 to 75 years (during the loan repayment process)
• the smallest amount is 15,000 rubles (45,000 rubles in the capital)
• the largest amount is 3,000,000 rubles
• repayment period – from 3 months to 5 years
• the loan must be secured by guarantors (no more than two)

Loan for personal farming

ATTENTION! Back in 2016, this consumer loan to individuals was not available at Sberbank, but in 2017 it appeared. Well, or at least he was not promoted by the bank in any way.

The whole difference between this loan product is the purpose of the loan and the concept of private household plots.

The purpose of the loan will be to run a personal subsidiary plot.

And the private household plot itself is a form of non-entrepreneurial activity, but it involves the cultivation of agricultural products on the actual plot of land, its personal consumption and the possible sale of the surplus. Income from the sale is not recorded or declared in any way. Therefore, if we talk about lending, the most important thing here is to prove to the bank that you are solvent, and this can only be proven with papers.

It is not yet clear how Sberbank will evaluate the income of private household plot borrowers, but apparently looking at Rosselkhozbank, it also decided to check the demand in this market.

Loan terms at Sberbank in 2017:

• interest rate from 20% (at least that’s good, for entrepreneurs the rate starts from 40%)
• citizen's age limit is from 21 to 75 years
• the smallest amount is 15,000 rubles per farm
• the largest amount is 700,000 rubles
• or 300,000 rubles if you take out a loan for up to 2 years
• or up to 700,000 rubles, if you take it for a period of up to 5 years
• loan repayment period – from 2 to 5 years
• guarantors are required
• you can attract co-borrowers
• and officially prove that your farm is registered as a private household plot

This loan product does not apply to Moscow.

As you can see, Sberbank understands that this is a risky type of product. And why? It is difficult to prove white income, it may not exist at all, so if they approve it, it will only be 300-700 tr. - “tears in the sea.”

For military personnel

ATTENTION! This consumer loan to individuals from Sberbank is also something of a novelty for 2017. Previously, there was no such product in Sberbank. And in general, military supplies were never distributed to military personnel!

There are good reasons for this. Military personnel in Russia are usually given a mortgage, not a requirement; for this, the serviceman must be a participant in the Savings Mortgage System, a pseudo-state system that prohibits taking non-targeted loans under his military status.

Although a serviceman can take out a regular consumer loan at any time, without hiding behind his specialty, like a citizen of the Russian Federation.

Requirements for the borrower

When applying for a loan, the client must be required to meet requirements in the form of age limit, work experience, reliability based on an analysis of the previous five years, income level and income.

Therefore, it is impossible to say that Sberbank is “careless” about approving borrowers. No. Everything is quite serious. Quite often I refuse clients altogether, even salary ones.

And if your credit history is even slightly damaged, although you have a white income and work experience, then you will immediately be shown the door. Well, how can an unemployed person get a loan?

For certain types of consumer loans to individuals, Sberbank has special requirements in 2017 (although they are not new). This applies to loans secured by real estate, refinancing, loans for household plots and for the military.

General requirements for the borrower:

• by age - from 21 to 65 years, if there are guarantors, this age can change from 18 to 75 years (read where else and in)
• according to work experience - the borrower must have a permanent place of work and work there for at least six months, for salary clients from 3 months
• by reliability - the financial life of the borrower is analyzed, whether he had loans before, whether they were all repaid, the quality of the credit history
• according to financial status - the borrower’s income is considered, if it is white and sufficient, then you can get approval for a loan

A loan secured by real estate at Sberbank imposes requirements not only on the borrower, but also on the real estate itself:

• the property must be in good condition and have a value not less than the loan amount
• the property must be resilient to natural disasters
• apartments with redevelopment are not always suitable for collateral
• real estate should not have minor owners
• and a lot of other requirements for several A4 sheets,

Many clients often ask the question - why didn’t Sberbank answer anything or give a consumer loan after submitting the application? There are many reasons for this.

But in short, Sberbank consumer loans may NOT be issued if:

• the borrower or co-borrower is engaged in business
• the borrower or co-borrower holds management positions related to financial activities or is an accountant for an enterprise of 30 people
• the borrower and co-borrower is the owner or participant of a small enterprise with an ownership interest of more than 5%
• the borrower and co-borrower are engaged in farming

Refinancing requirements

In addition to the usual requirements for the borrower, there are also requirements for the loan that he wants to refinance:

• The borrower must not have any debt on the refinanced loan ()
• the loan must have a specific focus - on the needs of the consumer, car loan, replenishment of a debit card for overdraft, contributions to a credit card
• date when the agreement on the refinanced loan was concluded – from 6 months ago
• time when the loan must mature – up to three months
• payments must be made on time for 365 days or for the entire loan term, if less time has passed
• there should be no delays

To refinance a loan, in addition to the usual documents, you also need an additional package.

Documents for loan refinancing

Directly for refinancing consumer loans at Sberbank, individuals in 2017 need the following documents:

• document proving identity
• documents on the borrower’s position and employment (certificate on the standard form of the enterprise, certificate from the place of work on work experience)
• documents presenting information about the refinanced loan in the form of a refinanced loan
• payment details of the bank that issued the loan
• loan agreement number
• date of conclusion of the loan agreement
• term of validity or expiration of the loan agreement
• amount and currency of the loan issued
• effective interest rate

If the certificate does not indicate the debt balance, then the following documents will be required in the form of:

• loan agreement or information on individual lending conditions
• payment schedule
• statements prepared through the lender's Internet banking system from the bank where the refinanced loan was issued
• a document confirming the accuracy of the details of the lender who originally provided the loan

Documentation

To obtain a consumer loan from Sberbank in 2017, an individual must provide the following documents (generalized list):

• the borrower must write an application or fill out a form
• the borrower must present an identification document with a registration mark
• if the borrower’s registration is temporary, then he must provide a document confirming this
• the borrower must provide documents confirming that he has the appropriate income and work activity in the form of a certificate from the place where the borrower works according to the standard form of the enterprise
• work book in the form of a copy or extract from it
• a certificate indicating the position held, work experience of the borrower or co-borrower

	Loans			Actually formed RVPs for loans					Requirements for receiving interest income			Actually formed RVPS for requirements for receiving interest income
	total (RUB million)	loans with overdue	share of loans overdue fixed payments over 90 days in total loans, %	total (RUB million)	RVP as % of total loans	for loans with overdue fixed payments over 90 days (million rubles)	RVPS for loans with overdue fixed payments over 90 days as a percentage of the volume of corresponding loans	share of RVPS for loans with overdue fixed payments over 90 days in the total volume of RVPs, %	total (RUB million)	for homogeneous claims and loans with reserve amounts exceeding 20%	share of homogeneous claims and loans with a reserve value of over 20% in the total volume of claims, %	total (RUB million)	RVPS as a percentage of the total volume of claims for interest income	for claims and loans with a reserve value of over 20% (RUB million)	RVPS for claims and loans with a reserve value of over 20% as a percentage of the volume of the corresponding claims	share of RVPS for claims and loans with a reserve value of over 20% in the total volume of RVPS, %
1.01.17	10 494 118	977 559	9,3	1 072 739	10,2	885 889	90,6	82,6	179 960	81 236	45,1	76 622	42,6	72 844	89,7	95,1
1.02.17	10 474 990	992 596	9,5	1 092 379	10,4	902 307	90,9	82,6	179 980	80 470	44,7	78 542	43,6	72 313	89,9	92,1
1.03.17	10 479 398	997 762	9,5	1 098 369	10,5	909 299	91,1	82,8	172 092	81 058	47,1	79 388	46,1	73 131	90,2	92,1
1.04.17	10 586 679	993 773	9,4	1 105 954	10,4	909 692	91,5	82,3	179 942	83 714	46,5	79 760	44,3	75 887	90,7	95,1
1.05 .17	10 698 817	994 790	9,3	1 108 486	10,4	911 886	91,7	82,3	184 868	84 135	45,5	80 577	43,6	76 632	91,1	95,1
1.06 .17	10 762 179	990 058	9,2	1 105 183	10,3	905 625	91,5	81,9	182 782	84 230	46,1	80 350	44,0	76 638	91,0	95,4
1.07.17	10 890 616	961 767	8,8	1 081 058	9,9	877 376	91,2	81,2	177 508	80 911	45,6	77 187	43,5	73 573	90,9	95,3
1.08.17	11 047 415	965 563	8,7	1 090 309	9,9	882 787	91,4	81,0	182 666	81 783	44,8	78 082	42,7	74 447	91,0	95,3
1.09.17	11 230 071	958 946	8,5	1 088 452	9,7	877 115	91,5	80,6	183 694	81 162	44,2	77 983	42,5	73 948	91,1	94,8
1.10.17	11 382 953	937 411	8,2	1 070 425	9,4	856 520	91,4	80,0	183 565	79 597	43,4	76 283	41,6	72 405	91,0	94,9
1.11.17	11 524 575	933 949	8,1	1 071 771	9,3	854 229	91,5	79,7	182 407	79 861	43,8	76 482	41,9	72 964	91,4	95,4
1.12.17	11 724 100	915 684	7,8	1 060 069	9,0	836 549	91,4	78,9	178 436	78 879	44,2	75 657	42,4	71 871	91,1	95,0
1.01.18	11 902 434	890 726	7,5	1 038 421	8,7	813 486	91,3	78,3	182 321	76 922	42,2	73 455	40,3	69 703	90,6	94,9

Note:
- RVPS - reserves for possible loan losses.
- According to form 0409115 “Information on the quality of assets of a credit institution.”
- The table does not include information on the quality of loans to individuals assessed for the purpose of creating RLP on an individual basis.

Loans provided to individuals for which the payment term came due in the reporting period, including those not repaid within the period established by the agreement

	January 2017	February 2017	March 2017	April 2017	May 2017	June 2017	July 2017	August 2017	September 2017	October 2017	November 2017	December 2017
1. The volume of loans provided to individuals for which the payment term came due in the reporting period, total including:	209 692	196 181	227 242	200 951	220 368	212 057	217 669	217 343	208 972	235 994	226 521	237 037
1.1. loans for the purchase of housing (except mortgage loans)	4 973	5 030	6 390	4 582	5 360	4 827	5 183	4 951	4 390	5 621	5 099	5 308
1.2. mortgage housing loans	20 366	19 021	24 714	20 055	22 265	20 040	21 872	21 051	19 008	24 257	22 143	21 878
1.3. car loans	19 197	19 395	20 199	18 871	20 030	19 655	19 939	20 367	19 779	21 170	20 751	20 589
1.4. other consumer loans	165 156	152 735	175 940	157 443	172 713	167 533	170 675	170 974	165 795	184 946	178 528	189 262
2. Of these: the volume of loans provided to individuals outstanding within the period established by the agreement in the reporting period, total including:	26 993	26 620	31 036	25 155	26 824	24 965	26 783	26 194	22 708	25 257	22 741	23 387
2.1. loans for the purchase of housing (except mortgage loans)	237	323	322	306	420	477	351	506	297	308	285	206
2.2. mortgage housing loans	1 934	2 982	2 395	2 107	2 141	2 063	2 167	2 191	1 897	2 269	2 093	1 778
2.3. car loans	1 795	2 231	2 034	1 791	1 704	1 676	1 638	1 850	1 586	1 642	1 607	1 398
2.4. other consumer loans	23 028	21 084	26 284	20 951	22 560	20 749	22 627	21 647	18 928	21 038	18 755	20 005
3. The share of loans provided to individuals that were not repaid within the period established by the agreement in the reporting period, total, %	12,9	13,6	13,7	12,5	12,2	11,8	12,3	12,1	10,9	10,7	10,0	9,9
including:
3.1. loans for the purchase of housing (except mortgage loans)	4,8	6,4	5,0	6,7	7,8	9,9	6,8	10,2	6,8	5,5	5,6	3,9
3.2. mortgage housing loans	9,5	15,7	9,7	10,5	9,6	10,3	9,9	10,4	10,0	9,4	9,5	8,1
3.3. car loans	9,3	11,5	10,1	9,5	8,5	8,5	8,2	9,1	8,0	7,8	7,7	6,8
3.4. other consumer loans	13,9	13,8	14,9	13,3	13,1	12,4	13,3	12,7	11,4	11,4	10,5	10,6

On the share of mortgage loans provided to individuals that were not repaid within the period established by the agreement in February 2017

Share mortgage housing loans, not repaid within the period established by the contract during February 2017, exceeded the maximum value of December 2016 (12.7%) and amounted to 15.7%.

The indicator is calculated as the ratio of the volume of mortgage loans not repaid within the period established by the contract during the reporting month to the volume of mortgage loans, for which payment is due this month 1, therefore this indicator is characterized by significant volatility.

The February increase in this indicator compared to January can be considered as a statistical outlier, due to the fact that several large borrowers in a number of banks became overdue.

In general, mortgage loans continue to remain the highest quality segment of the portfolio of loans to individuals: as of March 1, 2017, the share of overdue debt on MHL was 1.6%.

1 According to the “For reference” section of reporting form 0409115 “Information on the quality of assets of a credit institution (banking group).”