Experts of the United Credit Bureau have calculated the number of potential bankrupts in Russia. As of August 1, 2017. , in this category fell 660 thousand. human. Another 7.1 million borrowers can exercise their right and voluntarily go through bankruptcy proceedings to ease their financial burden.

Currently, Russia has about 47 million open loans for 38 million borrowers. Of these, 1.4% have a debt in excess of 500 thousand. rub. and do not make contributions for more than three months. Accordingly, these people can be declared bankrupt. Even more in Russia, borrowers who took a small amount from the credit institution, but also do not pay on the loan within 90 days. They themselves, under Russian law, can file for bankruptcy.

In general, experts say, a citizen who has one open loan risks becoming insolvent in 16% of cases. Most often, such a borrower has a debt of over 1.4 million rubles. But bankruptcy among the holders of two loans at the same time is much larger - 21%, three - 19%.

If we consider the purposes for which the loan was taken, then the car owners are the least likely to assess their financial capabilities: among citizens who have received a car loan, 10.2% become bankrupt. In second place, mortgage lenders - 5.8% do not have the means to repay the loan. For a long delay on credit cards account for 5% of cases.

As analysts say, most often Russians stop paying on a loan, when the amount of debt reaches 754 thousand. rub. At present, the total debt to credit institutions has reached 10.8 trillion rubles.