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The Russians go into debt for the sake of Crimea

Россияне влезают в долги ради Крыма

The Russians tired to save money and want to relax. Although the money is not enough, our citizens do not refuse to travel: and in banks and microfinance organizations record growth in demand for “selling” loans. However, after returning home, the Russians are not eager to pay debts. Almost one fifth of such a loan is overdue.

According to the statistics of Rosstat, the income of our citizens do not grow. So, for 8 months of this year real incomes fell by 1.2% since the beginning of the crisis in 2014, falling incomes made up more than 15%. This led to the fact that many citizens had to abandon trips or to cut their number.

As explained General Director of tour operator “Dolphin” Sergey Romashkin, the Russians “get” in recent times as they could in terms of travel. If they could afford up to three trips a year, now due to the fall in real income well, if you manage to relax at least once a year.

However, travel at least once a year many Russians, apparently, more is not going to refuse — statistics this year registered a growth in trips of Russians on the border. So, for the first six months of this year, 17.1 million of our compatriots went abroad. Over the same period last year there were 13.2 million Russians.

According to experts, many Russians are traveling to the loan. The loans are actively taking in MFIs and banks.

According to the statistics service of online lending “E-loan”, in the third quarter of 2014 the share of such loans in the microfinance institutions (MFIs) was 1%, and for the same period of 2017 increased to 4%.

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As noted by the financial service Director Mamuka Rizayev, as a rule, such loans take the Russians with average incomes, since those with very low incomes, do not go on trips.

According to the Executive Director of the microfinance company (MFI) “House money” Andrew bakhvalova, loans for vacation are especially popular and the summer months.

Thus, according to the statistics of MFIs “Home money”, the share of loans travel may be up to 10% per season.

From June to August, the share of loans on such trips reaches 5-10%, whereas in low seasons not more than 3%, says Andrey Bakhvalov.

The majority of Russians want the money to go to the nearest seaside resorts. “Almost 80% going to the sea, but considered for a travel Russian resorts – most MFI clients were going to the Crimea, Anapa, Sochi – 75%, 25%, Turkey. While tours were bought for a few days at a discount”, — says Andrey Bakhvalov. The remaining 20% of the customers asking for money to pay for train or air tickets to travel to relatives, he adds.

In the banks also a large amount of loans are tired from the routine to the Russians. For example, in the “Alfa-Bank” have noticed the increasing demand for such products this year. The growth flow of these clients say and travel agencies. “We capture the increase in demand for cards installment”, — said PR-Director of Tez Tour Larissa Akhanov.

Overall, about 10% of unsecured credit accounts for payment of tours on credit, which is about 500-600 billion rubles, the company “Sequoia Credit consolidation”. The reason Bank customers pay either by cash loan without a purpose or just using a limit on a credit card, explain in the company.

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Bank customers, in contrast to the MFI borrowers, more secured and prefer holidays abroad, trips to relatives or vacations in the resorts of Krasnodar region.

The most popular destinations are Turkey and Asia. The peak demand for such products is from may to September, they say “Sequoia”.

According to experts, the trips of our citizens abroad could grow also due to a temporary strengthening of the ruble. “The increase in the consumption of the Russians pushing the imaginary stability of the ruble, intuition tells them that a course in 58-59 rubles to the dollar – it is long, and need to have time to spend money before the next round of devaluation, therefore, to preserve it makes no sense,” explained “Газете.Ru” General Director of IFC “Mani Fanny” Alexander Shustov.

A recent poll showed that Russians really are preparing for the weakening of the ruble, considering the exchange rate of the Russian currency are covered. More than half of the respondents (61%) expect that in three months the dollar will cost 63 rubles, and about 49% of respondents believe that the year the dollar can be bought for 64 rubles.

Thus, according to the statistics, give credits to travel the Russians are not very happy. According to analysts of “Sequoia Credit consolidation”, the delay loans for travel is at the level of 15-20% against 12% on average in the segment of unsecured lending (as of October 1, 2017 “Газета.Ru”).

“Having gone to the sea and rested, the customer returns home, where it awaits the monthly payment, but incentive pay is not” — summed up in the company.

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