The money from the 500 plus finish off chwilówki? Loan companies hunt for new clients – GazetaPrawna.pl

Non-bank lender confirms what we already guessed economists: the money from the “Family plus 500″ represent serious competition for chwilówek. Though stipulate that the program runs too short to fully assess its effects, however, the first results can already be seen. Withdrawals from the budget to reduce the demand for small, of several hundred loans that were previously incurred by the family to finance for example. Contingencies.

– The universality of the program 500 plus, ie. Lack the income criterion (the second child – red. ), it means that we see a decline in demand for financial products aimed at satisfying the spending to the amount of approx. 1 thousand. zł – says Lukasz Piechowiak, director of analysis Loan Companies Association.

– The introduction of the “Family plus 500″ is already noticeable on the loan market. We can talk about several percent declines, especially among loans to the smallest amount awarded to families with many children – adds Marcin Żuchowski, director. Credit risk and a member of the board of Provident, the largest of the loan on the Polish market.

That’s not all – decreasing the number of people that have fallen into the loop of debt and have been inscribed on the black list of debtors. Is it also the effect of 500 plus? No hard evidence, but there are strong clues. From the records disappear, those who were guilty of creditors a small amount. Such conclusions can be drawn, at least based on the data of the National Debt Register, the largest credit information bureaus.

– In April, our bases were 2.29 million individuals, which together have more than 6 million contracts. Currently, there are 2,247 million with a number of commitments at the level of 5.8 million. But, interestingly, the total volume of debt increased from 29.6 billion zł more than 31 billion zł. This means that from the register are plotted people who had little long, and those who are entered, the debtors with very large obligations – says Andrzej Kulik of KRD.

Firms Loan does not intend to let go and I promise search for new customers. They want to focus on singles without children at a young age.

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