Endividamento - Antonio Gaspar

segunda-feira, 28 de dezembro de 2015

Endettement des ménages français : en hausse au 2e trimestre 2015

Au 2e trimestre 2015, le taux d'endettement des ménages français augmente de 0,3 point sur trois mois, à 85,5%. Il progresse de 0,6 point sur un an.

Le taux d'endettement des ménages correspond au rapport montant des crédits sur revenu disponible brut. Il est calculé trimestriellement par l'Insee notamment à partir des données de la Banque de France.
De même que la dette de la France a augmenté de 127,5% depuis 2000, les ménages voient leur taux d'endettement s'envoler.

Average UK household to be £10,000 in debt by end of 2016

The average UK household will owe close to £10,000 in debts such as personal loans, credit cards and overdrafts by the end of 2016, which is a new high in cash terms, a report has found.
Total outstanding non-mortgage borrowing grew by nearly £20bn or 9% in 2014, to reach £239bn, marking the fastest rate of growth in a decade, according to the report from PwC.
It warned that people’s complacency over managing their debt may lead to a resurgence in bad debt.

The total amount of non-mortgage debt equated to nearly £9,000 per household last year, surpassing in cash terms its pre-financial crisis peak.
PwC projects unsecured borrowing will grow over the next two years by between 4% and 6% annually. This increase would leave the average UK household with non-mortgage borrowing of close to £10,000 by the end of 2016, taking consumers into uncharted territory in terms of borrowing levels, the report said.

Record low interest rates are helping to keep the cost of borrowing relatively affordable, but PwC warned that a 2% rise in interest rates on total household debt, including mortgages, would leave households needing to find an extra £1,000 a year just to cover the extra cost of interest.
A survey by PwC of about 2,000 Britons found there is a danger of complacency as people’s confidence in their ability to stay on top of their debts increases.
Fewer than one in five (18%) said they are worried about how they will make future repayments, down from 26% in 2013.
While just over a quarter (26%) of people expect their pay to be frozen or decreased in the next 12 months, this compares with nearly half (48%) of people who thought this in 2010, in the aftermath of the financial crisis.
But against the growing sense of optimism, PwC uncovered “warning signals”. For example, people aged between 35 and 44 are increasingly depending on credit to be able to afford essential items, with close to one in five people in this age group saying they borrow simply to make ends meet.

Of the £19.7bn increase in non-mortgage borrowing in 2014, nearly half of it, amounting to £9.1bn, came from student borrowing. PwC estimates that graduates who started university after 2012 could leave with an average debt of £40,000 to £50,000.
Around £4.2bn of last year’s increase came from credit cards, while £6.4bn came from personal loans and overdrafts and other sources such as payday loans and peer-to-peer loans.
The average credit card balance stood at £1,021 by the end of 2014, just £39 short in cash terms of its all-time high at the beginning of 2010.

PwC said people’s ability to remain in control of their debt will be challenged in the coming years, as the Bank of England base rate eventually starts to move off its historic 0.5% low. The total household debt to income ratio, including mortgage debt, is projected to reach around 172% by 2020 – surpassing its previous peak in the runup to the financial crisis.
Low levels of financial literacy, with many people routinely misunderstanding the true cost of debt, could put some people at particular risk, the report warned.
When presented with a number of options, just 21% of people it surveyed correctly understood the cost of a mortgage.

A relatively high degree of confidence among consumers about their ability to stay on top of their debts, [the] affordability of the UK’s household debt pile may come under pressure in the coming years.
As the total household to debt income ratio heads towards 172% – exceeding its previous peak in the runup to the financial crisis – and interest rates increase, consumers could begin to feel squeezed once again.

	VARIAÇÕES HOMÓLOGAS
	HOMOLOGOUS CHANGE

Empréstimos de Outras Instituições Financeiras Monetárias a Particulares
Loans of Other Monetary Financial Institutions to Private Individuals
					Milhões de Euros
					Millions of Euros
Crédito		Concedido		Cobrança Duvidosa
Banking Credit	Installment Credit			Uncertain Collection
Habitação	OUT.14	102.513			2.586
Mortgage	OUT.15	99.340	-3,10%		2.569	-0,66%
Consumo	OUT.14	12.090			1.308
Consumption	OUT.15	11.929	-1,33%		1.261	-3,59%
Outros Fins	OUT.14	9.924			1.479
Another Finality	OUT.15	9.587	-3,40%		1.509	2,03%
Total	OUT.14	124.527			5.373
Total	OUT.15	120.857	-2,95%		5.339	-0,63%

Fonte: Boletim Estatístico do Banco de Portugal
Source: Portugal Central Bank

	VARIAÇÕES HOMÓLOGAS
	HOMOLOGOUS CHANGE
Empréstimos de Outras Instituições Financeiras Monetárias a Empresas Não Financeiras
Loans of Other Monetary Financial Institutions to Non-Financial Corporations
					Milhões de Euros
					Millions of Euros
	Crédito Concedido				Cobrança Duvidosa
Installment Credit				Uncertain Collection
	OUT.14	92.630			13.075
	OUT.15	83.314	-10,06%		13.535	3,52%

Fonte: Boletim Estatístico do Banco de Portugal
Source: Portugal Central Bank