Analysts cited the reasons for Russians' refusal to self-lock up loans

Unplanned financial expenses, large acquisitions and the need to obtain a mortgage have become the main reasons why Russians are ready to lift the self-ban on obtaining loans. This was stated on November 8 in a study by the <url> service, which was attended by more than 3 thousand people.

"The main reason to abandon self—locking, 32% of survey participants cite unforeseen expenses for which they do not have enough of their own savings," the study says, quoted by RIA Novosti.

About a third of the respondents also consider lifting the restriction in order to purchase expensive goods, purchase real estate with a mortgage, or apply for a car loan. At the same time, 10% of the study participants are ready to give up self-insurance in order to refinance existing debts or obtain a loan on more attractive terms. For 8% of the respondents, other financial needs may become the basis for lifting the restriction, including investments in their own business and payment for vocational education.

According to the results of the study, 38% of respondents have thought about lifting the restriction over the past year. Among those who allow such a step, 58% intend to temporarily unblock the possibility of lending, and after receiving the required amount, re-establish the ban. At the same time, 11% of the participants are likely not to return the restriction, the rest have not yet decided on a decision.

In addition, 36% of the respondents expressed concerns about possible actions of fraudsters after the cancellation of the self-lock. Director of the Department of Communication Policy "I will choose.Anna Romanenko explained that such risks are often overestimated, since attackers do not have access to information about lifting restrictions in real time and do not receive appropriate notifications.

According to the expert, in order to obtain a fraudulent loan, criminals need to obtain the passport data of a potential victim in advance or gain direct access to her account on the Gosuslugi portal. Romanenko stressed that the use of strong passwords and two-factor authentication minimizes the likelihood of such actions if the self-lock is temporarily lifted.

Payment and ability: The Central Bank will limit one of the possibilities to take out a mortgage with low payments

How do grace period programs work and why does the regulator consider them risky?

Coach and motivational coach Olesya Valiullova said on November 2 that a constant lack of money can prevent a person from making long-term plans and looking for new opportunities. According to the expert, when most of the income goes to housing, food and debt repayment, the main forces are spent on solving everyday problems. In such circumstances, it is more difficult for a person to assess the prospects and make decisions that can improve his financial situation.