The expert named the main reasons for overdue loans

Late payments on loans are most often caused by salary delays, job losses, and customer mistakes. Such data was obtained in the course of its own research by Sber.

One in three of the surveyed clients (34%) faced a salary delay problem. Employees of small companies with up to 100 employees, as well as those employed in construction, real estate and retail, are the most vulnerable, Denis Kuznetsov, director of Sberbank's Retail Foreclosure and Settlement division, said at the Leaders of Digital Development ABC forum.

The second most common reason is job loss (11%). According to Kuznetsov, this reason came in second place for the first time during the polls.

Forgetfulness was also found in 11% of respondents' responses — cases when money was left on another card or deposit. More often than others, women, residents of Moscow and St. Petersburg, 30-50 years old, make delays by their own mistake.

The top ten reasons for delay also included lack of money (8%), illness (7%), excess expenses over income (5%), unforeseen expenses (5%), technical difficulties (4%), decreased income (4%) and a major purchase (3%).

"Whatever the reason, we urge customers not to withdraw into themselves, but to contact the bank immediately. We have many support options, from restructuring and credit vacations to employment assistance. And the goal is to find a personal solution for everyone who finds themselves in a difficult situation. But this can only be done in dialogue with the client," Kuznetsov emphasized.

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