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OREANDA-NEWS. The volume of overdue of car loans that is more than 90 days in the I quarter of 2015 reached 56 billion Rubles. For the year (from April 1st, 2014), this indicator increased by 25% or 11 billion Rubles. Since the beginning of this year, the "bad" debts on car loans rose by 4 billion Rubles, according to the National Service for collection.

Delay increases with falling of loan market, which from April 1st, 2014 to April 1st, 2015 decreased by 5.9% or 78 billion Rubles. Since the beginning of 2015 the fall was by 7.2% or 90 billion Rubles. Since April 1st of the last year the share of auto loans in the banking portfolio was reduced from 13% to 11.4%, and as of January 1st of this year it was 12%, writes "Za rulem.RF."

According to the Managing Director of HCB, Anton Dianof, for the first half of 2014 it was remarked the equal growth of the loan market, as well as the volume of overdue debts. Then, both indicators increased by 10%, which seemed quite logical. However, the trend reversed for not the full year thanks to various events in the country. The devaluation of the ruble and lower incomes of population led to a reduction in the issuance of car loans and a sharp rise in the share of delay. Therewith, the presence of collateral for such loans (car itself) has not allowed a delay to reach this magnitude, such as for example in the credit card market, where it increased by 70% for the year. As the reduction of the key rate by the Bank of Russia, the number of car loans will increase, but experts expect that the share of overdue loans will increase to 5%.

Collection agency received the debt on auto loans in the amount of 2.66 billion Rubles in the first quarter of 2015. It is more by 6% or 160 million Rubles than in the same period of the last year.

If we talk about "portrait" of the typical debtors, it is often men and women aged from 36 to 60 years. Moreover, women often do not pay: the share of women is 52%.