Outstanding housing loans of individuals, 2018–2022
at year-end; billion rubles
From 2018 to 2022, outstanding housing loans to individuals were recorded at year-end to assess the household debt burden. The table rows are categorized by currency type: ruble-denominated loans and foreign currency loans are presented separately, with mortgage housing loans in rubles broken out. All amounts are in billions of rubles, enabling an assessment of borrowing scale and a comparison of lending volumes across different currencies over the five-year period
Chart of housing loans outstanding for individuals, 2018–2022, 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
8 series are published here in at year-end; billion rubles, from 2018 to 2022, 5 reporting periods. 40 values in total.
“по жилищным кредитам — в рублях” multiplied by 2.2 between 2018 and 2022: from 6,399 to 13,849.
All table numbers are series: 8
| Series | 2018 | 2019 | 2020 | 2021 | 2022 |
|---|---|---|---|---|---|
| по жилищным кредитам — в рублях | 6 399,10 | 7 635,20 | 9 292,00 | 11 765,80 | 13 848,60 |
| по жилищным кредитам — в иностранной валюте | 35,00 | 22,60 | 17,30 | 16,00 | 7,10 |
| из нее по ипотечным жилищным кредитам — в рублях | 6 376,80 | 7 615,30 | 9 274,50 | 11 752,90 | 13 838,30 |
| из нее по ипотечным жилищным кредитам — в иностранной валюте | 33,60 | 21,60 | 16,30 | 15,50 | 6,70 |
| по жилищным кредитам — в рублях | 3 606,80 | 4 057,00 | 4 916,20 | 6 336,60 | 7 443,20 |
| по жилищным кредитам — в иностранной валюте | 1,70 | 0,90 | 0,90 | 0,60 | 0,30 |
| из нее по ипотечным жилищным кредитам — в рублях | 3 592,60 | 4 045,50 | 4 907,50 | 6 329,70 | 7 437,60 |
| из нее по ипотечным жилищным кредитам — в иностранной валюте | 1,50 | 0,80 | 0,70 | 0,40 | 0,20 |
How to read this table
Indicators are grouped to distinguish general housing loans from mortgages and to separate ruble-denominated obligations from foreign currency ones. This allows for comparison of ruble debt growth dynamics, which rose from 6399.1 billion in 2018 to 13848.6 billion in 2022, and the ratio between mortgage and other housing loans. The row breakdown facilitates analysis of the credit portfolio structure and the share of debt represented by mortgages in the national currency for each period
What is visible in these numbers
The largest value belongs to “по жилищным кредитам — в рублях” — 7,443 at year-end; billion rubles; the smallest is “из нее по ипотечным жилищным кредитам — в иностранной валюте” at 0.2 at year-end; billion rubles. The gap between them is 37,216-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
Statistical data covers the period from 2018 to 2022 and is published in the Investment in Russia 2023 yearbook. This information is intended for economists, financial market analysts, and consumer credit researchers to assess the status of individual debt portfolios within the country's banking sector
1) По данным Банка России.
2) По данным ПАО Сбербанк.
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