Banks will be obliged to take into account debts for housing and communal services and alimony when issuing loans
The Central Bank plans to oblige banks when issuing loans to take into account the debts of Russians for housing and communal services, alimony and other property obligations. This follows from the draft “Main directions of development of the financial market” of the Bank of Russia for 2027-2029.
The Central Bank plans to oblige banks when issuing loans to take into account the debts of Russians for housing and communal services, alimony and other property obligations. This follows from the draft “Main directions of development of the financial market” of the Bank of Russia for 2027-2029.
Banks will be required to take this information into account when calculating the borrower’s debt load indicator. The information will be transmitted to the credit history bureau (BKI). Among the information is the debt of individuals on property obligations, for which enforcement proceedings are opened, payments for alimony and installments for real estate, as well as payment for residential premises, utilities and communication services.
According to the Central Bank, by the beginning of 2026, loans and loans of Russians for the first time reached 45 trillion rubles. The indicator for the last quarter of 2025 increased by 2.2%, or 988 billion rubles.
