---
title: "Bank of Russia sets macroprudential limits for Q1 2027 on long-term car loans and car-secured consumer loans — DecisionGateway"
description: "The Bank of Russia set macroprudential limits for Q1 2027 on long-term targeted car loans and auto-secured consumer loans to stop banks from understating borrow"
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**Decision**/Unclassified

**Adopted**

# **Bank of Russia sets macroprudential limits for Q1 2027 on long-term car loans and car-secured consumer loans**

The Bank of Russia set macroprudential limits for Q1 2027 on long-term targeted car loans and auto-secured consumer loans to stop banks from understating borrowers' debt burden and to curb rising credit risk.

## **Actors and targets**

[Банк Россииsigner](https://dgw.tmarket.io/actors/01a1b68c-7965-7e81-96a2-1d68caef7644)

Targets целевых автокредитов со сроком возврата более 7 летitemнецелевых потребительских кредитов под залог автомототранспортных средств со сроком возврата более 5 летitem

[**Банк России dossier **](https://dgw.tmarket.io/actors/01a1b68c-7965-7e81-96a2-1d68caef7644)

## **Source**

> Банк России установил на I квартал 2027 года МПЛ на выдачи целевых автокредитов со сроком возврата более 7 лет и на выдачи нецелевых потребительских кредитов под залог автомототранспортных средств со сроком возврата более 5 лет.

*https://www.cbr.ru/rss/RssPress [ Open post](https://www.cbr.ru/rss/RssPress)*

## **Extracted detail**

Fields read from the post for this record type. The first group is ordered by what a reader usually needs; the rest stays collapsed.

<dl>

<dt>Issued by</dt>
<dd>Bank of Russia</dd>

<dt>Rationale</dt>
<dd>Longer loan terms let banks artificially lower monthly payments and understate the borrower's debt burden (PDN), enabling circumvention of limits on lending to highly indebted borrowers, and raise credit risk as borrower finances and collateral liquidity/value may deteriorate over time.</dd></dl>

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