In Russia there is a sharp increase in citizens' requests for loans. According to the National Bureau of Credit Histories, only in January 2018. Russians received 68% more credit cards than during the same period last year. The volume of mortgage loans increased by 63%. Requests to buy new cars on credit increased by 29.1%. Micro loans for the purchase of various goods issued by 33.4% more, and the number of bank consumer loans increased by 11.2%. It's not just record numbers. This means that Russians believed in stability. The previous three years, the sphere of consumer lending went deeper into minus. The last time the increase in the number of loans issued was observed only in early 2014. - and then only by 0.2%, writes "Kommersant". And then for several years people did not dare to get into the debt yoke without extreme need. And now the situation has changed. The citizens who saved the work were convinced that they could not be afraid of inflation, and therefore decided to afford a long-awaited car, new appliances, a new apartment or repairs in the old. However, there is another trend in the country, which, on the contrary, is very alarming. Against the backdrop of credit growth, savings activity of citizens is falling at a record pace. In other words, people are rapidly withdrawing their deposits from banks. According to the Central Bank, in January 2018. the aggregate outflow of individuals from the banking system amounted to 2%, or 515.7 billion rubles. This has not been for the last five years exactly. There may be two reasons for this, and both are unhappy. Real incomes of the population are falling, despite official statistics, so people are forced to spend their supplies.

And then, by the way, apply for a loan in order not to lose the usual standard of living. Or citizens have lost faith in the country's banking system and try to keep the blood under the mattress. Although everything can be simpler: the stability demonstrated by the Russian economy in recent months has led the population to believe that everything will be fine, so there is nothing to keep the stock for a rainy day, it is better to live now beautifully. And what? Also an option.