--- title: "A nominal increase in the loan term allows banks to artificially reduce the size of the loan… — Банк России — DecisionGateway" description: "allegation by Банк России, recorded recently — verbatim quote and source citation." canonical_url: "https://dgw.tmarket.io/claims/01a1d810-d3fe-7482-b416-f3c788a0be19" meta: "og:description": "allegation by Банк России, recorded recently — verbatim quote and source citation." "og:image": "https://dgw.tmarket.io/og.jpg" "og:image:alt": "White network of connected nodes crossed by a timeline on black" "og:image:height": "1024" "og:image:width": "1024" "og:title": "A nominal increase in the loan term allows banks to artificially reduce the size of the loan… — Банк России — DecisionGateway" "twitter:image": "https://dgw.tmarket.io/og.jpg" --- > Index of every page on this site: [llms.txt](https://dgw.tmarket.io/llms.txt) allegation # **A nominal increase in the loan term allows banks to artificially reduce the size of the loan payment and understate the borrower's debt burden indicator (DBI), which creates conditions for circumventing the established restrictions on lending to borrowers with elevated debt burden.** A allegation by [**Банк России**](https://dgw.tmarket.io/actors/01a1b68c-7965-7e81-96a2-1d68caef7644). Statements are as reported by the cited publishers — not verified by DecisionGateway. > *Номинальное увеличение срока кредитования позволяет банкам искусственно уменьшить размер платежа по кредиту и занизить значение показателя долговой нагрузки заемщика (ПДН).* https://www.cbr.ru/rss/RssPressPublished 2026-11-13 [ Read source](https://www.cbr.ru/rss/RssPress) [**Банк России dossier **](https://dgw.tmarket.io/actors/01a1b68c-7965-7e81-96a2-1d68caef7644) ## **Discussion** ## **Related claims** [**An increase in the loan term is associated with growing credit risks: the probability of a change in the borrower's financial position during the loan term rises, and over time the liquidity and value of the collateral may decline.**Банк России · statement](https://dgw.tmarket.io/claims/01a1d810-d408-7972-a7cb-f77fd6f561c6) [**A court decision cannot be an instrument for circumventing restrictions established by law.**КГС ВС · allegation](https://dgw.tmarket.io/claims/01a1d4b5-be77-76d0-99c6-6fec40fbe2b1) [**A fake gubernatorial decree on a levy from citizens for the upkeep of social and household premises is being spread online.**пресс-службе администрации региона · allegation](https://dgw.tmarket.io/claims/01a1c12a-4907-7b2d-841b-55565d681ba2) [**A reputational link arises in which claims against the municipal level are gradually transferred to the regional authorities and personally to the acting governor.**author · allegation](https://dgw.tmarket.io/claims/01a1d7e7-1bf2-711b-8205-08f28692ec2d) [**The accused committed voluntary actions aimed at supporting the enemy's actions, creating a deceptive, illusory appearance of care and concern by the aggressor state and its supporters for the population of the occupied territory and the livelihood of its residents.**суди попередніх інстанцій · allegation](https://dgw.tmarket.io/claims/01a1d4e5-b0d9-709d-9aae-b90528671b0c) [**There is a risk of a debt "snowball" in which new borrowing is increasingly needed to cover the cost of previous debt.**post author · prediction](https://dgw.tmarket.io/claims/01a1d7e1-ed45-7b73-9898-3c237cf1e975) ## **More claims by Банк России** [**The Bank of Russia did not revise the value of the national countercyclical buffer in effect since 01.07.2025 (0.5 p.p. to banks' capital adequacy ratios).**statement](https://dgw.tmarket.io/claims/01a1d810-d41f-7896-862b-49ccc9ef17dc) [**The Bank of Russia may continue raising the add-on in the future if banks' risks on claims to large companies with elevated debt burden grow.**prediction](https://dgw.tmarket.io/claims/01a1d810-d418-7de6-b349-7d85181964fd) [**The Bank of Russia kept the MPL values for Q1 2027 on mortgage loans for the purchase of under-construction and ready housing in apartment buildings unchanged; macroprudential add-ons were not revised.**statement](https://dgw.tmarket.io/claims/01a1d810-d40e-7f5a-b487-727a6eb03289) [**An increase in the loan term is associated with growing credit risks: the probability of a change in the borrower's financial position during the loan term rises, and over time the liquidity and value of the collateral may decline.**statement](https://dgw.tmarket.io/claims/01a1d810-d408-7972-a7cb-f77fd6f561c6) [**Since the start of 2023, banks have substantially increased the provision of targeted car loans for terms over 7 years; the share of such loans in issuances rose from 8% in Q2 2022 to 26% in Q2 2026.**statement](https://dgw.tmarket.io/claims/01a1d810-d3f1-7ff4-84ff-cc05cc530a4f) [All claims by Банк России](https://dgw.tmarket.io/claims?claimant_id=01a1b68c-7965-7e81-96a2-1d68caef7644) [All claims](https://dgw.tmarket.io/claims) ```json {"@context":"https://schema.org","@graph":[{"@id":"https://dgw.tmarket.io/#website","@type":"WebSite","description":"Decisions, events and falsifiable forecasts from 4,000+ Telegram channels — every claim cited. 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