In 2024, the number of borrowers with at least one unclosed loan for the purchase of a car reached 2.32 million. In 2021–2022, it ranged at 1.3–1.4 million, and in 2023 it went sharply. Loans made more attractive subsidizing bets by manufacturers. As a result, loans were made up even on cars worth more than 10 million rubles.
About 70 percent of car loans are issued by men at the age of 40-45 years. The average car loan size in 2024 fell from 1.5 to 1.3 million rubles, calculated in the united credit bureau (OKB).
The loan term is long – an average of 71 months. And the Russians do not seek to repay it ahead of schedule, especially if it was designed until the key rate or according to profitable programs of Chinese manufacturers. In the first half of the 2024th, brands supported credit sales with programs with a rate of 0.1 or even 0.01 percent.
The Russians called the average cost of a used car how much new cars in Russia in Russia in Russia will be more expensive in Russia will become even more expensive in 2025
In the second half of the year, it has become more difficult to arrange car loans for a long time, but the conditions remained relatively affordable for a long time. The rate was about 10 percent, which spurred the demand for loans. In addition, a low base of sales in 2020 and 2022 still affects the market.
Most often, Lada Granta was taken on credit in 2024, but they are interesting to borrowers and very expensive cars – for example, BMW worth more than 20 million. The average price of the car is 2.5 million rubles.
The car began to be considered as a way to preserve savings, since a more reliable option – real estate – is not available to many. Demand is growing at the parking space, which are looked closely for instead of apartments. Together with demand, the price is increasing: in Moscow, the parking costs an average of 3.65 million rubles.
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