Клиенты МФО меньше берут в долг на повседневные нужды

Клиенты МФО меньше берут в долг на повседневные нужды

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Коммерсантъ

Более трети всех займов в микрофинансовых организациях (МФО) люди берут для оплаты повседневных расходов. Однако во второй половине прошлого года наметился незначительный сдвиг в пользу займов на серьезные цели (ремонт, отдых, лечение). По мнению экспертов, заемщики стали осторожнее относиться к тратам и предпочитают скорее экономить, чем жить взаймы. При этом недоступность банковских кредитов вынуждает занимать у МФО даже на крупные приобретения.

Портал Zaim.com проанализировал 100 тыс. заявок клиентов различных микрофинансовых организаций (МФО) и выявил основные цели получения займов. По данным портала, в большинстве случаев граждане берут деньги на оплату повседневных нужд (покупку еды и одежды, проезд) — 38%, на втором месте оплата медицинских услуг — 13%. Также заемщики берут в долг, чтобы заплатить за развлечения (9%) и путешествия (5%). Самыми последними в списке оказались расходы на образование — лишь 4% заемщиков требуются средства на эти цели. Участники рынка подтверждают, что основная доля займов приходится на оплату текущих расходов. «По данным нашего аналитического центра, наиболее популярные цели займов — оплата повседневных нужд. Для этого занимают деньги 30,5% от общего числа клиентов»,— говорит гендиректор сервиса онлайн-займов «Робот Займер» Сергей Седов.

Однако в последнее время наметилась тенденция снижения доли займов на повседневные нужды. По словам генерального директора сервиса онлайн-кредитования MoneyMan Бориса Батина, к концу прошлого года число клиентов, которые брали денежные средства на неотложные нужды (транспортные расходы, приобретение товаров первой необходимости), снизилось с 43,4% до 41,7%. При этом, по данным MoneyMan, выросло количество займов в таких сегментах, как приобретение бытовой техники и электроники, расходы на автомобиль и займы на путешествия. «В 2016 году мы отметили снижение доли клиентов, получающих займы для ежедневных расходов,— говорит управляющий директор сервиса онлайн-кредитования «Е заем» Лига Трупа.— Немного выросли доли таких целей, как ремонт дома и автомобиля, покупка бытовой техники и других вещей, думаю, в этом году тенденция усилится».

Эксперты отмечают, что граждане стали тщательнее анализировать свою потребность в деньгах, не предвидя перспектив роста доходов, и не брать займы на краткосрочные цели. По мнению заместителя директора СРО микрофинансовых организаций МиР Андрея Паранича, когда человек ограничен в средствах, «он старается в условиях снижения реальных доходов более внимательно относиться к своим тратам, в том числе к затратам на кредитование». «Когда нет определенной перспективы роста доходов, жить взаймы становится слишком рискованно,— отмечает аналитик ИК «Алор» Кирилл Яковенко.— Сейчас даже те, кто при снижении доходов был готов сохранять расходы на прежнем уровне за счет микрозаймов, переходят в режим экономии».

Более существенные траты, такие как ремонт, лечение, покупка техники, традиционно осуществлялись за счет кредитов. Но сейчас очень немногие клиенты могут с учетом ужесточения рисков получить одобрение в банке, указывают эксперты. «Необходимость вынуждает занимать средства даже на сравнительно серьезные траты у МФО,— продолжает господин Яковенко.— Однако микрозаймы гораздо дороже, чем банковские кредиты, и традиционно берутся на короткий срок. Увеличение их использования на долгосрочные цели может быть чревато тем, что заемщик переоценит свои силы и не сможет погасить ссуду». По оценкам участников рынка микрофинансирования, средний размер займа физлиц в МФО составляет 11-12 тыс. руб. сроком на 22 дня. Однако есть категории, где суммы более существенные,— так, например, по займам наличными (требуют личного похода в офис МФО) средняя сумма займа составляет 37 тыс. руб., свидетельствуют данные Zaim.com.

Источник: kommersant.ru

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