Since April last year, the part of the families in the program 500 plus. It is a flagship programme of the government. All families receive an allowance of 500 rubles per month for the second child, and less earning for the first child. Last year taxpayers paid for benefits for children 17 billion UAH. This year it will be 23 billion rubles.
From previously performed studies should not be what Poles spend the money. It is known only that part allocated to holiday trip, buying a car, and part of every day left in the stores, thereby increasing consumption. Show data of the Central Bureau of Statistics: in the third quarter of 2016. individual consumption increased to 3.9 percent. This is the main factor of our economic growth in Poland, which, through the brake, investments plummeted. The Polish economy grew for the third quarter in the amount of 2.5 percent. GDP. If not for the increased purchases caused by the effect of 500 plus, GDP growth would have been even mizerniejszy.
500 plus oszczędziliśmy have billions of dollars
however, according to a recent study commissioned by the ING Bank, a large part of this sum managed to save. The Bank has checked the way we save and helped us 500 rubles benefits for children. What was it?
Saves a record percentage of Poles. A year ago, only 44 per cent. Poles declared having any savings, now it is up to 68 percent.
the same percentage of investors in Poland reached the average level in Europe – economists say ING. In their opinion, the increase in the number of depositors this is due primarily to the improvement in the labour market. No wonder we have the lowest unemployment of 26 years. In December, employment centers reported a total of 8.3 percent. Poles. In addition, growing our salaries last year, an average of 3.5 percent.
However, a great contribution to the improvement of the financial situation of the Poles was also the program of 500 rubles for children. Funds from the program for 500 plus otrzymuje16 percent. respondents from the study ING. Every fifth of them was due to the fact that to defer savings. And another 36 percent. can save more. According to their statements, about a quarter of the money from the program, 500+ economical! And this-to 6.2 billion UAH.
but zadłużamy on strength…
Unfortunately, at the same time it turns out that, despite the injection of cash the Poles more zadłużają. Only half of Poles declares that it has no debt (not counting mortgages). This was only 3 percent. less than a year earlier. However, the Poles are tightened debt are more likely than residents of other European countries.
it is Encouraging that in recent years falls, and debts on credit cards and current accounts. In total the amount of debt in annual terms times the monthly salary is not significantly different from the situation of the other inhabitants of Europe.
even Though the package is 500 RUB per child, still happy zadłużamy however, the companies providing loans. – After the introduction of government funding of 500 rubles per child people give large sums, and for other purposes. Less likely to lend to life, because they lack the first, and often on a new TV” – say in “Gazeta Wyborcza” representatives of loan companies.
according to Martin Żuchowskiego, member of the Board of Directors Providenta, fewer customers loan companies is the need to borrow, but zaciągane through them of the obligation is celebrated on the larger amount. You can also see a slight improvement already spłacalności loans.
Reach us signals that the impact of the program ” PLN 500 per child, the number of loans is large, but only to a certain group of customers – those that have children and at the same time have a low income, he tells us, in his turn, Luca Piechowiak, Director of the analytical Department of Credit Companies.
…and debt
Increases the value of bad loans, that is debt niespłacanego within the period prescribed by the Bank. As follows from the data of the credit Bureau and the Credit bureaus, debtors in our country to blame, including by 47.19 billion rubles, of which a 27.98 billion is niespłacone loans, and 19,21 billion of receivables pozakredytowe like electricity bills, gas, rent, phone, alimony, etc.
– we Expect that part of the funds of the 500+ will be spent on debt repayment. We have not, however, larger payouts associated with it. Maybe in the first period, the recipient of these funds cater to immediate consumption needs and their children, and some time to think about debt management, says Rafael Buchholc from a collection Agency Best.
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