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Debt
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 • Debt
A person known as is surendettée when its financial position does not enable him any more to assume the appropriations which it contracted. One often finds oneself obliged to subscribe of new appropriations to assume the current expenditure, which causes a situation of which it is difficult to leave and who can lead, if one does not react, to the seizure of his wages and the auction of his goods !
Before arriving from there there, two solutions are possible.
• The reorganization of your debts
Not to sink in the over-indebtedness, it is highly advised, when your financial position and professional still allows it, to plan the solution of a total repurchase of all your appropriations in order to re-spread your debts and to give a new rise to your budget.
• To set up a file of over-indebtedness by approaching the commission concerning over-indebtedness
In which cases can one approach the commission concerning over-indebtedness ?
• You must be surendetté
The over-indebtedness is impossibility of facing the whole of your exigible nonprofessional debts and to fall. You raise of the procedure of over-indebtedness only if you are in a serious financial position, i.e. that you do not manage any more to refund your debts.
• Notion of the debt
He is advised to you, before the engagement of this procedure, to ask rééchelonnements of debt or terms of payment near your creditors. A momentary difficulty is insufficient to be surendetté.
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Since the middle of the Nineties, the resumption of the consumption of appropriations was sensitive.
It profited from an exceptional environment in many connections: particularly gravitational interest rates, an improvement of moral of the households without precedent, the prices of the real estate become again favorable to the realization of the projects of possibility of home-ownership, a fall of unemployment favourable with the commitment to new incur expenditure of durable equipment.
Hesitations of the economic situation noted as from spring 2001 not having basically transformed the landscape.
Thus, with the end of the year 2001,52,9% of the households were involved in debt and incur it total held appropriations accounted for 44,6% of their income available.
The evolution observed is fast, one year on the other, since one year earlier, with the end of the year 2000,51,8% of the households were involved in debt and for 44,2% of the income available total, it made it possible to find and to even exceed the levels observed at the end of the Eighties since then 52,8% of the households were involved in debt and 44,2% of the income available total.
In same time, the households called much more largely upon the bank overdraft: 24,1% of the whole of the households at the end of 2001 (35,9% of the only involved in debt households) against 23,8% one year earlier (respectively 34,9%) and 22% at the end of the Eighties (respectively 32,6%)
And the proportion of those which intend to subscribe of new real loans or new appropriations of treasury remains with high level.
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 The households of more than 55 years resort more and more to the appropriations of treasury
The recourse increased to the appropriations of treasury which has been noted for a few years in the young people thus appears to answer a greater craving for consumption, on behalf of households whose practices of immediate expenditure are more widespread than in the remainder of the population.
In this respect, these households are distinguished from their elder: the rise of the use of the appropriations of treasury by the 55 year old households and more (and mainly by those from 60 to 69 years with, in their case, a broader use of the bank overdraft) indeed appears to hold with two main causes:
- More widespread Practice for much of the financing of capital equipment of the house and the cars, for themselves or others (children and grandchildren). This expressing without any doubt an effect of generation but also, for a good portion of them, a new capacity of completion of projects which them financial position enables them to nourish
- Practical which is spread for others, that of the credit recourse of treasury to mitigate the insufficiencies of their usual budget. And in this respect, the rise on behalf of the 65 years and more or of reprocessed among the households considered fragile is remarkable.
The recovery of the rate of detention of the appropriations of treasury indeed was fast at the 55 years and more:
- Between 1995 and 2001, this rate progresses of 10,5 points for the 55 to 64 years, passing from 21,6% to 32,1% and 6,7 points for the 65 years and more, passing from 11% to 17,7%
- it even continued recently for the 55 to 64 years, since the rate passed from 30,8% to 32,1% between November 2000 and November 2001
• Simulation credit car
• Automobile Simulation credit
• Simulation credit conveys
• Simulation real estate credit
• Simulation credit conso
• Simulation credit consumption
• Simulation personal credit
• Simulation credit immo
• Simulation credit better rates
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Debt
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