Poland's middle class is said to be three unpaid loan installments away from homelessness. It's hard to save money when it's enough to go first to first. Every fifth pole has no savings, and every fourth pole has no savings at most PLN 5,000. zloty. In November alone, Poles made more than a million purchases with installment or deferred payment. This is a record. event material.
This is stated in the report of the National Debt Register Every fifth Pole has no savings at all, and every fourth – They have less than 5000 PLN. In total, this is almost half of the respondents. First to first Almost every second pole is inhabited – “Eventebi” reporter Pavel Narusevich reports.
Only 23 percent of Poles have more than PLN 20,000 in savings. zloty. 13 percent say they have some savings, but won't say how much.
– To accumulate savings, you need to meet your basic needs – said Maciej Samcik, an economic blogger. – And here the question arises: what is the basic need for whom – he added.
Poles without savings. Every fifth person has no money saved
Excessive consumerism overtakes us – Even if there is something left, we spend it. Moreover, we are extremely attached to our standard of living, Even if prices rise faster than wages.
– The part of Poles who decided to maintain their standard of living at the expense of consumption of savings inform us today that they have no savings – says the blogger. – And when they don't have it, they willingly lend it – he said.
Video: “Events” material. Poles without savings. Every fifth person has no money saved
Every fifth Pole has no savings. Life from first to first
Only in November Poles made more than a million purchases with installments or deferred payments. This is a record.
This has been happening since January Almost nine million loans – more than 120 percent more than a year ago, but their total amount increased by only 40 percent, which means that the average loan amount has decreased significantly and is less than PLN 1,400 today.
look: Inflation in November. The latest data from the Central Statistics Office
– Poles decide to pay in installments not only for bigger things – washing machines, refrigerators – but also for smaller and smaller things – said economist Rafal Mundry. – At the same time, the percentage of high loans – more than PLN 50,000 – is increasing. PLN – which will be used to cover the smaller ones – he added.
– We often deal with “rolling” – consolidation of existing loans – they are taken for longer and longer periods.
– Poles started saving more during the pandemic – said Slavomir Grzybek from the Credit Information Bureau.
In Poland, the worse the better. At least when it comes to saving.
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