In the black list, the timeliness of paying debts on loans were car loans and loans provided to bank card holders. Speaking more specifically, the volume of car loan debts increased by twenty -two percent, and on card loans — by thirty -two percent. The growth of mortgage and smaller consumer loans is less rapid. This is partly due to the fact that credit organizations in a timely manner increased the relevant rates, compensating for the lack of liquid funds in advance. If in the previous year the domestic credit market could boast of a stable decrease in loans, then the New Year began with a gradual increase in the designated indicators of the well -being of the financial situation of the country’s banks. And such a trend continues.