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BackFrom October 1, the Bank of Russia is reducing the limits on issuing certain types of loans to over-leveraged borrowers
From October 1, the Bank of Russia is reducing the limits on issuing certain types of loans to over-leveraged borrowers
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РИА Новости57 minutes agoBusiness1 min readRussiaView original

From October 1, the Bank of Russia is reducing the limits on issuing certain types of loans to over-leveraged borrowers

bank of russiamacroprudential limitsconsumer loans

Quick Look

  • From October 1, the Bank of Russia is reducing the limits on issuing certain types of loans to over-leveraged borrowers.
  • The values ​​of macroprudential limits for unsecured consumer loans have been tightened, especially for loans with a term of more than 5 years.
  • The Central Bank additionally reduced the limits on the issuance of non-targeted loans secured by housing and cars, as well as targeted car loans, while the regulation of the issuance of mortgage loans was left unchanged.

AI-generated summary

Why It Matters

The Bank of Russia uses macroprudential limits to regulate the share of loans that banks and microfinance organizations can issue to borrowers with a high debt burden (more than 50% and 80% of income).

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From October 1, the Bank of Russia is reducing the limits on issuing certain types of loans to over-leveraged borrowers.

Macroprudential limits regulate the share of loans that banks and microfinance organizations can issue to borrowers whose loan debt is more than 50% and more than 80% of their income.

Thus, for the fourth quarter of 2026, the values ​​of macroprudential limits on unsecured consumer loans were tightened; loans with a term of more than 5 years were subject to extremely strict restrictions - their share in issuances should be reduced by five times.

The Central Bank also further reduced the limits on banks issuing non-targeted loans secured by housing and cars, as well as targeted car loans.

The regulation of issuing mortgage loans remains unchanged.

What to Watch

AI outlook — possibilities, not facts

  • The volume of long-term unsecured consumer loans will decrease fivefold by the end of the fourth quarter of 2026

    Likely · Within months

  • Demand for targeted car loans and non-targeted loans secured by housing and cars will decrease in the short term

    Possible · Within months

Open Questions

  • How exactly will the new limits be measured and monitored locally?
  • What support measures can be provided to borrowers affected by the new restrictions?
  • How will the conditions for refinancing existing debts change in light of the new restrictions?

Related Topics

bank of russia
OrganizationsBank of Russia
PlacesRussia
Topicsmacroprudential limitsconsumer loanscar loanshousing depositcar depositoverleveraged borrowers
This article was originally published by РИА Новости.

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