Only in the third quarter came back 2.4 billion of arrears from outstanding loans and ongoing charges, and another 33 thousand entries were entered into the Economic Information Base InfoMonitor and Credit Checker. debtors. Thus, the debt of 2.76 million Poles entered into the database of debtors amounts to as much as USD 73 billion.
From June to September, the average debt increased from 26 to 26.6 thousand. zł. The total amount of indebted persons who were reported to the Economic Information Base InfoMonitor and Credit Checker is so high that they could finance 3 years of the 500+ program or construction of a nuclear power plant – planned for many years, unrealized due to lack of funds. As the data indicate, the amount of debt is growing faster than the number of people in debt – which means that debtors are increasing the dimension of their financial problems.
Where do the debts come from?
So far, the debt has been increasing primarily due to outstanding loans, but in the third quarter the situation changed. Non-credit liabilities increased the most – by USD 1.94 billion, and debts arising from non-payment of loans – by USD 0.44 billion. Positive trends appeared in the number of people who did not pay loans on time – the number of indebted persons entered into the database dropped by over 2,000 people.
Who is entered in the debtors database? The debtor is a person who does not make timely payments. This applies not only to credit debt, but also to maintenance debt, unpaid installment purchases, overdraft and unpaid credit cards. Entering into the Credit Information Bureau may therefore result from various types of obligations and affect your credit history.
In the third quarter an increase in all areas of debt is visible, however the largest increase in the non-credit area is visible in the maintenance debt – the average value increased by USD 698. In turn, the debt resulting from the ticket for driving without a ticket increased the least – by only USD 4 on average.
Geography of Debt
Over 33,000 new debtors have contributed to the increase in the rate of people with financial problems – at this point, 86.6 per 1000 inhabitants are indebted. Western voivodships have a negative result – in Lubuskie, as much as 115 per 1000 adults do not pay their debts on time, in West Pomeranian Voivodeship 114 per 1000 people, and in Dolnośląskie – 113 per 1000 inhabitants.
Thus, in seven voivodships in Poland a minimum of 1 in 10 people have debts that they cannot cope with. Inhabitants of Eastern Poland are doing the best – there the ratio of people who have outstanding debts is between 48 and 68 per 1000 inhabitants.
Most indebted provinces
The highest amount of debt in the third quarter is in the Mazowieckie voivodship – the total outstanding debt of its residents is as much as USD 12.33 billion.
The Silesia Province is in second place with a debt of USD 9.39 billion. Interestingly, these voivodships exchange a place on the podium when it comes to the number of people entered in the debtors database – the most is in the Śląskie Voivodship (381.4 thousand people), and the Mazowieckie Voivodship is in second place with the number of debtors 350.3 thousand
The smallest amount of debt boasts Opolskie with the amount of USD 1.42 billion, and the smallest number of debtors is the Podlaskie Voivodeship – 59.3 thousand. people who do not pay their debts on time.
Debt record holders
Interestingly, the number of people whose debt is no more than 5,000 is decreasing. USD – currently they account for 45% of debtors, and in the past they were 47%. As noted by the president of BIG InfoMonitor Sławomir Grzelczak, a debt not exceeding USD 2,000 has 1,249,153 people (i.e. 27.3% of all debtors).
Record holders have to pay back millions, such as a 62-year-old from the Lublin region with a debt of USD 68.5 million. Also at the top of the record list is a 56-year-old from Podkarpacie with arrears of USD 48 million. The debt of the 10 most indebted persons together amount to as much as USD 381.2 million. As many as 400 Poles reported in the databases have more than a million debts.