(Source: http://acredo.ru)

Banking institutions have marked a growth of population demand for POS-credits that is non-typical for January (loan accommodated in the marketplace) for purchase of goods in the distributive networks. Kommersant informs about it by referring to the sources in the banks entered Top 5 of POS-credit market players according to Frank Research Group – HKF-Bank (Home Credit Bank), Renaissance Credit Bank, Alfa-Bank, OTP-Bank and Rusfinance Bank.

Refer to their comments in January the population has most actively bought on credit the consumer electronics and household appliances like during the collapse of ruble in December 2014 but with the difference that one year ago they bought it by own funds (cash).

According to the market’s members non-typical behavior of consumers is explained by the fact that the buyers want to secure themselves from increase in prices for the goods that can happen due to dramatic cheapening of ruble. Therefore the experts notice an essential decrease of profits and the level of consuming ability of citizens in 2015.

According to the representatives of the banking institutions the activeness of the population in buying-up of the goods by borrowed money has come up with the results of November 2015. HKF-Bank has provided credits for the value of 7 (seven) billion rubles, Renaissance Bank – for the value of 3 (three) billion rubles and Alfa-Bank – for the value of 4 (four) billion. Other sources of the newspaper have refused to sound exact information concerning the values of last year.

The publication sources forecast that in the conditions of devaluation of ruble and worsening economical slack the credit activeness of citizens can be risky both for the borrowers and the banks.