61 percent Poles have overdue liabilities to be repaid, which do not exceed 10 thousand. PLN – according to BIG InfoMonitor data and the BIK credit information database. A 48-year-old resident of Pomerania has a debt of PLN 75.7 million on the record.
According to the BIG InfoMonitor Debtors Register and the BIK credit information database, arrears towards telecoms, cable TV operators, debt collection companies, rental and maintenance debts, unpaid court costs and loan and loan installments have 2.73 million people, i.e. less than 9 percent. adult population. At 61 percent. of these unreliable debtors (over 1.66 million people) are facing repayment of overdue liabilities that do not exceed 10 thousand. zloty.
According to the study carried out by Quality Watch for the Register of Debtors BIG InfoMonitor, for 28 percent of the surveyed Poles, the barrier causing them to “begin to doubt the chances of paying off their liabilities” is 10 thousand. zloty. More often it is an “unbearable burden” for the elderly (37%), women (33%) and residents of small towns up to 20,000. (33%) than economically active 35-44 year-olds (23% of responses) and men (22%). In terms of geography, the inhabitants of the voivodeship are much more afraid of this amount. Pomeranian, Świętokrzyskie and Warmian-Masurian.
“10,000 zlotys as a sum that begins to believe in the possibility of getting out of debt, is also indicated by almost a quarter of those declaring that they can afford more expenses, because in their own opinion they cope well or perceive themselves as wealthy” – he pointed out attention of the president of BIG InfoMonitor Sławomir Grzelczak. As he told PAP, the problem is the lack of a financial cushion for possible difficult times. “Saving is not the strongest point of Poles, having savings equivalent to three salaries is usually declared by half” – he added.
According to a study commissioned by BIG, the repayment of PLN 10,000 PLN is a problem for about half of the people who inform that they have to deny themselves many things so that the money is enough to live on, and for assessing that they cannot even afford to finance the most urgent needs.
Declarations from the study that a serious problem for a large part of society is dealing with the amount of 10 thousand. PLN is confirmed by the data collected in the BIG InfoMonitor Debtors Register and in the BIK credit information database. “The distribution of the debt shows that you do not need exorbitant amounts to spoil your payment credibility. Every fourth of unreliable debtors owes up to PLN 2,000, and almost half not more than PLN 5,000,” said Grzelczak. He emphasized that due to the relatively low debt, their situation in the eyes of financial institutions is unclear, which means that they may experience problems with taking out a loan or a loan, but also with signing a subscription agreement, e.g. with a telecommunications service provider.
In the survey, almost every fifth person indicated that only with half a million zlotys they would panic that they would not be able to overcome their financial problems.
According to BIG InfoMonitor and BIK, the most indebted Pole has PLN 75.7 million of unpaid liabilities – the national record holder is a 48-year-old resident of Pomerania. The second place belongs to the 65-year-old from the Lublin region with unpaid liabilities of PLN 74.4 million. The third in the list is a 39-year-old woman from the province Mazowieckie with the amount of PLN 51.1 million.
BIG InfoMonitor experts warn that it is worth controlling your expenses and not being too optimistic about your obligations, so as not to pile them up beyond your abilities – before the Christmas and sales period.
“In our survey, December always wins for the financially hardest month of the year” – noted Grzelczak. He added that the results of the study are also a signal for creditors to react quickly before the debtor, initially downplaying the problem, gets into trouble, during which he loses faith that he is able to deal with them.
The Quality Watch survey was carried out on October 1-4 using the CAWI method among Poles aged 18+. It covered a group of 1071 people, representative in terms of age, sex, size of the place of residence.
author: Magdalena Jarco