The article highlights the use of macroprudential instruments by the Bank of Russia that regulate the population lending of the Russian banking sector. The purpose of the work is to study the theoretical background and practical results of using indicators of the total cost of credit and the debt load of the population to ensure stability of the banking sector. The authors used methods of qualitative and quantitative analysis of scientific publications, regulatory sources, retrospective statistics. The study showed that initially, the regulator introduces new macroprudential instruments as recommended, and subsequently transfers them to mandatory. The regulatory mechanism is based on the ratio dependence of the bank capital adequacy on the actual values of the total loan cost and debt load of the borrower - individual. The mortgage debt to collateral value ratio supports the housing mortgage lending regulation process. The authors concluded that the banking sector's reaction to the introduction of the total c