Outstanding housing loans of individuals, 2019–2024
at year-end; billion rubles
From 2019 to 2024, housing loan debt of individuals is recorded in rubles and foreign currency. The rows present three indicators: total debt in rubles, total debt in foreign currency, and the share of mortgage loans within the ruble segment. Data reflects the debt status at the end of each year and is measured in billions of rubles. This information tracks changes in the population's debt burden under housing programs over six years, providing a complete picture of citizens' financial obligations to the country's banking sector
Chart of housing loan debt in rubles and foreign currency from 2019 to 2024, billions of rubles
- по жилищным кредитам — в рублях
- по жилищным кредитам — в иностранной валюте
- из нее по ипотечным жилищным кредитам — в рублях
- из нее по ипотечным жилищным кредитам — в иностранной валюте
- по жилищным кредитам — в рублях
- по жилищным кредитам — в иностранной валюте
- из нее по ипотечным жилищным кредитам — в рублях
- из нее по ипотечным жилищным кредитам — в иностранной валюте
Set in numbers
Coverage: 8 series in at year-end; billion rubles, 2019 through 2024, 6 reporting periods. 48 values in total.
“по жилищным кредитам — в рублях” multiplied by 2.5 between 2019 and 2024: from 7,635 to 19,202.
All table numbers are series: 8
| Series | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|
| по жилищным кредитам — в рублях | 7 635,20 | 9 292,00 | 11 765,80 | 13 848,60 | 18 017,50 | 19 202,00 |
| по жилищным кредитам — в иностранной валюте | 22,60 | 17,30 | 16,00 | 7,10 | 6,60 | 4,00 |
| из нее по ипотечным жилищным кредитам — в рублях | 7 615,30 | 9 274,50 | 11 752,90 | 13 838,30 | 18 009,80 | 19 195,10 |
| из нее по ипотечным жилищным кредитам — в иностранной валюте | 21,60 | 16,30 | 15,50 | 6,70 | 6,20 | 3,60 |
| по жилищным кредитам — в рублях | 4 057,00 | 4 916,20 | 6 336,60 | 7 443,20 | 10 037,00 | 10 830,00 |
| по жилищным кредитам — в иностранной валюте | 0,90 | 0,90 | 0,60 | 0,30 | 0,30 | 0,30 |
| из нее по ипотечным жилищным кредитам — в рублях | 4 045,50 | 4 907,50 | 6 329,70 | 7 437,60 | 10 033,40 | 10 827,30 |
| из нее по ипотечным жилищным кредитам — в иностранной валюте | 0,80 | 0,70 | 0,40 | 0,20 | 0,20 | 0,20 |
How to read this table
The rows distinguish between ruble and foreign currency obligations and isolate mortgages from the total volume of housing lending. Comparing these values allows for an assessment of the debt structure and the share of targeted mortgage loans in ruble equivalent. The statistics cover a six-year period and account for all housing loans issued to individuals at the end of the reporting period
What is visible in these numbers
“по жилищным кредитам — в рублях” leads the table with 10,830 at year-end; billion rubles, “из нее по ипотечным жилищным кредитам — в иностранной валюте” closes it with 0.2 at year-end; billion rubles. The gap between them is 54,150-fold.
The same indicator for other periods
These series cannot be stitched together Over the common period 2019 values diverge — Rosstat recalculated the indicator using a revised methodology. They cannot be combined into a single chart: a break would appear at the junction, which did not actually occur
| Indicator for 2019 | here | in the adjacent series | divergence |
|---|---|---|---|
| по жилищным кредитам — в рублях | 7 635,2 | 4 057,0 | −3 578,2 |
| по жилищным кредитам — в иностранной валюте | 22,6 | 0,9 | −21,7 |
| из нее по ипотечным жилищным кредитам — в рублях | 7 615,3 | 4 045,5 | −3 569,8 |
| из нее по ипотечным жилищным кредитам — в иностранной валюте | 21,6 | 0,8 | −20,8 |
| по жилищным кредитам — в рублях | 4 057,0 | 4 057,0 | +0,0 |
| по жилищным кредитам — в иностранной валюте | 0,9 | 0,9 | +0,0 |
| из нее по ипотечным жилищным кредитам — в рублях | 4 045,5 | 4 045,5 | +0,0 |
| из нее по ипотечным жилищным кредитам — в иностранной валюте | 0,8 | 0,8 | +0,0 |
More in the section Investments»
Period and application
Annual dynamics of indicators are available for analysis from 2019 to 2024. Data is updated annually and covers all types of housing loans. The statistics are useful for banks, developers, and those monitoring mortgage market volumes in Russia
1) По данным Банка России.
2) По данным ПАО Сбербанк.
Did you notice an error in this table? The parser is wrong, and most often one correction fixes many pages
Report an error Typo is easier this way: highlight it and press Ctrl + Enter