The average cost of late loans of bank customers and MFI began to recover

Earlier this year, the average cost of delayed loans of bank customers and MFI began to recover after a significant decline in 2024. According to experts, it was affected by protecting the main rate at the same level and the development of the budgets of the collection companies and the development of court duties. By 2025, market participants are expecting a continuation of prices, in particular, against the “refreshment” of the loans and the readiness of credit providers to reduce problem assets.

By the beginning of 2025, the prices of late loans implemented at business platforms began to recover, which should be from the data of Debx online auction (ghmersant with them). In January, the average cost of banks -check -up portfolio reached 11% of the face value, up to 15% of MFIs – facial value. At the same time, in the second half of 2024, the price of loans was diminishing confidently. In particular, the average cost of pre -test bank portfolio fell by 2 times to 9% of the facial value in December. The prices of MFIs before the test portfolio fell 1.5 times, and the facial value fell to 14%.

Experts say that the price of outdated bank loans has been reduced in the context of a high key rate and awaits further growth. In the second half of 2024, the central bank increased the main rate from 16% to 21%, and in addition, the forecasting route increased significantly by 2025–2026. This is “amends to the amendment of the discounts by the collector agencies and eventually reduced the price of issues loans,” said Ivan Uglin, senior director of Ra Ra’s bank values.

This year, the debt market has begun to recover, because in December, “the main rate in December remains unchanged. At the same time, the prices of the debt of microfinance systems are high, as they are, as a rule, that the possibilities are significant that the feasures are significant, says the director of the NCR Agency’s financial institutions. Specifically, according to Debbs, the emergency of the bank delay is on the rush of delay in the second half of the year, 11-13 months, for outdated MFI loans-6-8 months.

At the same time, Mr. Brook notes that in the biggest collector agencies, only the budget of the debt was increased by 2025.

It is not only a decline in prices of portfolio, but also with the growth of portfolio quality. In particular, in front of banks and MFIs, the debt customer’s last fee has declined significantly, he explains. According to Debex, the urgency of bank loans in January 2025 is less than 8 months, MFI loans – less than 6 months.

The market has been changed to the development of court duties (See the “Gamerscent” dated September 6, 2024). Currently, the minimum state duty to submit the claim (the amount of the loan is up to 100 thousand rubles) is 4 thousand rubles, 2 thousand rubles to issue a court order. Mr. According to Brooke, in contrast to some panic expectations, after the increase in court duties, the income of most collectors is reduced, but not as dramatic as expected. Many collectors stopped buying loans up to 10 thousand rubles. Due to the low profit, he notes.

By 2025, experts expect more prices in the bank and microfinance section. Moreover, the head of the Maniman Tender Department, Sergei Dumanov, said that the bank’s loans are “due to the highest glamor due to the amount of average check and as a result.” In addition, the “refreshment” of banks and MFIs will contribute to this. In the current regulatory conditions, the director of the Amir Vasilivu Conference Group explains that “this will be profitable for credit providers in the balance sheet, so the process is accelerated and more and more portfolio is spreading in the early stages.” To date, the procedures are increasingly increasingly in the market, and he notes that “the portfolio is” booking “for loans that have not yet been paid to the debtor.”

Yulia Boslavskaya, Csinia Demonteva