At the same time, compared to the previous month, the average car loan bill in January 2024 remained virtually unchanged, decreasing by 0.7%.
The organization also noted that the average personal credit rating (PCR) of a borrower for car loans is 685 points.
As NBKI reported, in January 2024, the average car loan size of more than 1.5 million rubles was noted in 30 regions of Russia, while a year earlier there were only four such regions.
“At the same time, the largest average size of issued car loans in the regions of Russia (among 30 regions - leaders in this segment of retail lending) was noted in Moscow (1.99 million rubles), Moscow region (1.8 million rubles), St. Petersburg ( 1.71 million rubles), as well as in the Khanty-Mansi Autonomous Okrug - Yugra (1.66 million rubles) and the Leningrad Region (1.65 million rubles),” the press service shared.
As for the regional dynamics of this indicator, the most significant growth in the average car loan bill in January 2024 compared to the same period last year was demonstrated by the Chelyabinsk (+40.3%) and Volgograd (+34%) regions, Perm Territory (+33.7 %), as well as the Republic of Tatarstan (+33.6%) and the Udmurt Republic (+33.5%).
“The increase in the average car loan size in 2023 is primarily due to rising car prices.
At the same time, in recent months, the average car loan bill has stabilized at about 1.5 million rubles, which is largely due to the saturation of demand for new cars, which was not fully realized in 2022,” explained NBKI Marketing Director Alexey Volkov.
It was previously reported that in 2023 the share of borrowers on car loans over 50 years of age decreased.