A little less than a third (30%) of borrowers have almost no chance of borrowing from banks due to the lowest personal or individual credit rating (PCR or ICR), Izvestia writes.

According to the National Credit Bureau (NBKI), these borrowers account for only 8.1% of consumer loan application approvals. Based on the fact that the average value of positive decisions in 2021 was at the level of 35.1%, such people have minimal chances of obtaining a consumer loan from a bank.

In addition, below the average value (24.8%), the chances of approving applications from citizens with an average rating are estimated. We are talking about 30% of borrowers.

Another 30% of applicants, as follows from the data of the NBCH, have a high rating. At this level, they are approved by 44.9% of applications.

At the same time, only 10% of citizens with the highest RCR have a good chance of getting a loan. Financial institutions give them a positive response to 63% of applications.

Earlier it became known that from January 1, the period of storage of credit histories of Russians was reduced from ten to seven years.

bbabo.Net