What are the figures expressed in% related to household indebtedness according to the socio-demographic profile? According to the type of housing? According to professional characteristics? Depending on resources and repayment capacity?
According to socio-demographic profile
The figures of people over-indebted in France, and according to the number of files deposited at the Banque de France by individuals or individuals in a situation of over-indebtedness, shows 35.4% of couples and 35.6% of divorced / separated persons, but also 23.8% singles and 5.2% widowers.
It is concluded that it is the individuals who do not have dependents who are the most indebted , they represent the share of 51.5%. To put it simply, according to the study on household debt published by the BDF, the more dependents there are in a household the less indebted it is. For the households of four or more persons with charges, they are approximately 4.4% against 19.5% for dwellings with 1 declaring dependents.
The most over-indebted are the 35-44 year olds who arrive at a rate of 26.8%, just after the follow-up of the 45 – 54 year olds for 26.3%. The segment for the least exposed age group is the + 65 age group for 8.1%.
By sex, it is found that women have a rate of 54.5% against 45.5% for men. Probably more consumption and less controlled with the help of consumer credit subscribed with financial institutions or banks.
According to housing and professional characteristics
According to the survey published by BDF the figures as a percentage of the number of files of people in a situation of bankruptcy suggests the first place tenants for a representation equal to 77.5%. Then, it comes free and gratuitously hosted people for 10.1%, and 3.1% owners just after acceding homeowners for 7.7%.
So who are the most exposed?
- It is clear that employees on permanent contracts are 30.3% the most debtors with the unemployed for 28.7%, both ends!
- By occupation and socio- professional category they are employees and workers (34.4% and 24.3%). Between the two, the other people without professional activity + 26.7%.
Depending on resources and repayment capacity
Depending on resources and repayment capacity ” />
About 50 percent of the debtors are in the income bracket, ranging from wages above the minimum wage to € 3,500 and above. The rest of the population (RSA to SMIC) is almost equal to 50%.
The debt structure is designated by 54.80% of activity income and 16.50% for pensions, followed by family benefits and housing with 15.70%.
The lack of repayment capacity is fortunately 53.50%, and it is not enough.