The Russian economy is entering a critical phase of financial collapse, demonstrating unprecedented levels of overdue obligations to the banking system. An analysis of official statistical data reveals alarming trends in the credit sector, which call into question the country's economic stability.
Expert assessments show that mortgage loans with overdue payments have grown by an impressive 97% compared to the previous year, reaching 95 billion rubles (equivalent to 1.19 billion dollars). In parallel, auto loans with unpaid obligations have increased by 85%, amounting to 32 billion rubles (around 400 million dollars).
The main factors triggering this financial crisis include extremely high interest rates exceeding 30%, a drastic increase in basic living expenses, and the massive lending to high-risk clients over the previous two years.
Forecasts by independent economic analysts are extremely pessimistic. The level of overdue obligations is expected to double in the coming months, which could trigger a chain reaction of bankruptcies, property loss, and significant social tension.
These data sharply contrast with the Kremlin's official communication strategy, which continues to present a picture of economic stability and rising incomes. Reality, however, shows a deepening financial crisis that threatens the economic well-being of Russian citizens.