The material situation of Russians is gradually deteriorating, "persecution" of motorists in the form of paid parking lots, increased OSAGO and t. Grow, and yet fellow citizens are not ready to give up the dream of owning a car. In spite of everything, they continue to make every effort to acquire a treasured car or exchange for a new one already available.

However, the problem lies in the fact that with the continued desire for citizens to accumulate funds for the purchase of cars are rapidly declining. All this makes them increasingly apply for the missing amounts to banks, dooming themselves to "car loan" bondage.

According to the National Bureau of Credit Histories (NBKI) and the agency "Autostat", in the first quarter of 2017. The share of credit cars in the total volume of the automobile market jumped to 45%. And this despite the fact that a year earlier this figure was 38%, and in January-March 2015. 22%.

The irresistible desire of citizens to purchase personal cars, including the cost of getting into "credit bondage" is actively encouraged by the banks themselves. Thus, in the first quarter of 2017. The volume of loans issued for the purchase of a car soared by more than a third (+ 37.3%) or by 23.6 billion rubles. , Amounting to about 87 billion rubles.

As the NBKI notes, on the basis of data from over four thousand creditors, in January-March this year, the number of cars purchased on credit was 126.3 thousand. , Which is 23.6% more compared to the same period last year.

This phenomenon is explained quite simply: a significant part of the population has not yet realized the decline in their own standard of living, and does not see the need to reduce personal consumption.

"Fat years" of the early 2000s, when the incomes of the population grew rapidly, changed the psychology of consumption. A person who has a job, he believed that he will always have it, which means why to save money for any purchases, if it is easier to buy the necessary credit and pay for it in the subsequent period.

Thanks to the current low unemployment rate, most Russians do not see the prospect of remaining without sources of livelihood, but with loans. At the same time, the habit of making large consumer purchases with deferred payment, formed in the early 2000s, they have not gone anywhere.

For the most part, they still do not notice that their current level of income no longer provides the former opportunities, and therefore on credit it is necessary to take all the large amounts, stretching loans for as long as possible.

This is evidenced by the above data on car sales.

Is this a danger to the public and the economy as a whole? Of course, yes.

According to the February "Monitoring of the economic situation" from RASHiGS, the debt of Russians to banks, accumulated during the consumer lending boom, is a heavy burden on the purses of Russians, turning into a "black hole" sucking money and hindering the economy.

According to the Central Bank, as of February 2017. Russian citizens owed banks 10.7 trillion rubles. The volume of mandatory payments for these loans for the year amounted to 4.6 trillion rubles. , Of which 1.8 trillion - went to pay interest.

According to economists, the banking system in the current situation has turned into a "vacuum cleaner" that pushes resources from the economy and wallets of citizens.

Can this process take on an alarming scale?

While the unemployment rate in Russia is low, the situation with the "credit burden" of Russians will not pass the critical line. In the worst case, the credit burden will force families to reduce overall consumption and start saving on everything, just to prevent non-payment of loans.

Much worse can be if the unemployment in the country begins to grow. Unemployed, "hung up" with loans, is an extremely complex socioeconomic entity, and the consequences of a possible increase in the number of such people today are completely unpredictable.