A Bank of Russia analysis has shown that residents of Ingushetia rank first among the country's regions in terms of mortgage repayment discipline. According to the regulator's report, the share of substandard mortgages in the republic has reached a record 10.8%. These are overdue and at-risk loans.

In Dagestan, the share of problematic mortgages is 4.5%, and in Tyva, 4.2%. Chechnya (3.7%) and North Ossetia (3.6%) are also among the top five regions with the most difficult situations.

Experts suggest that this situation is influenced by a combination of regional economic factors, including income levels, labor market structure, and the prevailing credit culture.

By the end of 2025, the number of Russians with outstanding mortgages will exceed 11 million for the first time. In 2025, the total volume of overdue mortgage debt reached a historical maximum of 265.6 billion rubles, tripling compared to December 2022.