. Ingushetia became the outsider of the rating of Russian regions with overdue debts on loans, the most disciplined payers were residents of Sevastopol, show the totals of the research work of the Last news . The Sevastopol and the Crimea, according to the study, RIA chart, published at the end of December, are the regions with the least number of credits. Ingushetia in the chart ranked third, however, the share of overdue debts has become an outsider. by order of the Last news Agency RIA chart conducted research payment discipline of the population of the Russian regions on the results in 2018, based on data of the Central Bank. in 2018, the portfolio of outstanding loans increased by 22, 4%, which was a record figure in 2013. In the past year banks have given borrowers credit and credit limits at 12, 5 trillion rubles (in 2017 - 9, 2 trillion rubles). Thus in 2018, very quickly reduced the population Share of overdue debts to banks 7, 0% 5, 1%. On January 1, 2019, it amounted to 760 billion, a decrease of 89 billion rubles. Only two regions have increased the share of overdue loans, the remaining 83 in the region for 2018 it reduced. Growing debt in the Crimea (on 0, 5 percentage points) and North Ossetia (0, 1 percentage points). In eight regions, the reduction was between 0. 8 percentage points. Weak dynamics showed the regions of the North Caucasus, North and resource-rich regions, for example the Nenets and Yamalo-Nenetckiy Autonomous district, Yakutia, Chukotka and Magadan oblast. The causes of the weak performance here is the opposite: in the southern regions as long as banks are reluctant to give loans, and secured, apparently, by contrast, has a High debt load of residents, even Despite the very strong economic base of regions. A high Proportion of delay recorded in the Karachay-Cherkess Republic, Buryatia, Northern Ossetia and Adygea Republic. In all these regions the Share of overdue debt on loans to individuals exceed 7, 5%. Over the past year in the last five fell, the Republic of North Ossetia - Alania, which was on the 69th place, and to improve their places could Kabardino-Balkaria. Hardest Share of arrears in 2018 declined in Ingushetia, where she over the past year decreased by thirty percent. Despite good growth, the Republic remains the Highest Proportion of overdue debt (15, 9%). Leaders in payment discipline remain Sevastopol, Nenets Autonomous Okrug, Chukotka Autonomous Okrug and the Republic of Crimea and the Autonomous area. The first five changes before holding a second place Republic of Crimea has moved to the fourth position, and the Nenets Autonomous district and Chukotka Autonomous district moved up one position each. Loss of Crimea is expected, it is due to the fact that in the Republic of Crimea and Sevastopol, the Russian banks began to issue loans literally not so long ago, for this reason, borrowers are Still in fact not have time to build arrears. But as saturation of the credit market, this figure will grow. in addition to the above areas, the lowest delay in the Khanty-Mansi Autonomous district, Chuvashia, Udmurtia, Mordovia and Mari El. The share of overdue debt on loans to residents from these areas on January 1, 2019 was below 3, 7%. according to experts RIA chart, in 2019, expect the repetition of the very high rate of increase of the market of crediting of residents, as well as among them because of the rapid increase in mortgage lending. <span style="color:darkgray