Public services

Addressing household over-indebtedness

Report
Публикувано
12 March 2020
pdf
Форми
Executive summary in 22 languages
Свали

Основни констатации

  • In 2016, 14% of people (EU28) reported not being able to make scheduled payments related to rent or mortgages, consumer credit, loans from family or friends, or utility or telephone bills. If those with difficulty making ends meet – but without any arrears – are included, 21% risk being over-indebted.
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  • In 2016, 14% of people (EU28) reported not being able to make scheduled payments related to rent or mortgages, consumer credit, loans from family or friends, or utility or telephone bills. If those with difficulty making ends meet – but without any arrears – are included, 21% risk being over-indebted.
  • Over-indebtedness is on the increase again in some countries and population groups.
  • People aged 25–49 years are most at risk. A smaller group of over-indebted people aged 65+ experience greater financial problems and lower mental well-being.
  • While policymakers often focus on mortgage or consumer debts with financial institutions, debt problems in low-income groups often relate to non-payment of utility or telephone bills, rent, taxes or fines, debts with friends, or healthcare costs. Policymakers interested in early intervention should not overlook this.
  • If over-indebtedness is not addressed in an appropriate and timely way, there are negative consequences for affected individuals and households, as well as for society as a whole. Issues arising from over-indebtedness can include mental and physical health problems, as well as unemployment and inactivity.
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Обзор

The issue of over-indebtedness continues to be a concern, particularly among some population groups and in Member States where recent increases can be observed. This report provides an overview of the main causes, triggers and consequences of household over-indebtedness, including the costs to soRead more

The issue of over-indebtedness continues to be a concern, particularly among some population groups and in Member States where recent increases can be observed. This report provides an overview of the main causes, triggers and consequences of household over-indebtedness, including the costs to society. It then examines two policy responses in the EU and Norway: debt advisory services and debt settlement procedures. While the findings show that in the wake of the global financial crisis, such services and procedures have generally become more widely available and accessible, gaps remain. The overall aim of the report is to draw the attention of national and EU-level policymakers to ways to improve policy responses to household over-indebtedness.

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Форми

  • Доклад

    Брой страници: 
    68
    Референтен №: 
    EF19044
    ISBN: 
    978-92-897-2057-1
    Каталожен номер: 
    TJ-01-20-099-EN-N
    DOI: 
    10.2806/25005
    Catalogue info

    Addressing household over-indebtedness

    This report addresses the problem of household over-indebtedness, which is broadly defined as being unable to make payments related to regular commitments.

    Форми

    Цитиране на публикацията: 

    Eurofound (2020), Addressing household over-indebtedness, Publications Office of the European Union, Luxembourg.

  • Executive summary

    Референтен №: 
    EF19044EN1
    Catalogue info

    Решаване на проблема с прекомерната задлъжнялост на домакинствата

    Автор(и): 
    Eurofound

    Проблемът с прекомерната задлъжнялост продължава да буди безпокойство в Европа, особено в някои държави членки и сред някои групи от населението, където напоследък е отбелязано увеличаване на прекомерната задлъжнялост. В настоящия доклад е направен преглед на основните причини, факторите и последиците от прекомерната задлъжнялост на домакинствата, включително на разходите за обществото. След това са разгледани две политически мерки в ЕС и Норвегия: консултантски услуги по въпросите на дълговете и процедури за уреждане на дългове. Констатациите показват, че вследствие на световната финансова криза тези услуги и процедури като цяло са станали по-популярни и по-достъпни, но въпреки това в тях има пропуски. Общата цел на доклада е да насочи вниманието на авторите на политики на национално и европейско равнище към начини за подобряване на ответните мерки по отношение на прекомерната задлъжнялост на домакинствата.

    На разположение за изтегляне на 22 езика

    Свали
  • Tables and graphs

    Tables

    Table 1: Debt advisory services in the EU28 and Norway, 2019
    Table 2: Illustrations of user numbers of debt advisory services, 2008–2018
    Table 3: Debt settlement procedures for over-indebted people, EU28 and Norway, 2019
    Table 4: Debt settlement procedure usage data, 2005–2018

    Figures

    Figure 1: Proportion of people aged 18+ at risk of over-indebtedness: arrears* or difficulties making ends meet, 2016, by Member State and EU28 (%)
    Figure 2: Proportion of people with arrears, by income quartile and type of arrears, 2016, EU28 (%)
    Figure 3: Proportion of people with arrears, by age group and type of arrears, 2016, EU28 (%)
    Figure 4: People with arrears, reporting great difficulties making ends meet and the WHO-5, by age group, 2016
    Figure 4a: Proportion of people with any arrears, reporting great difficulties making ends meet by age group, 2016, EU28 (%)
    Figure 4b: WHO-5 score by age group of people with any arrears, 2016, EU28 (max. 100)
    Figure 5: Proportion of households with arrears in mortgage or rent, utility bills and hire purchase instalments, 2010–2017, EU28 (%)
    Figure 6: Availability of debt advice in the EU28, 2019

Изследванията, проведени преди оттеглянето на Обединеното кралство от Европейския съюз на 31 януари 2020 г. и публикувани впоследствие, могат да включват данни, свързани с 28-те държави — членки на ЕС. След тази дата те трябва да обхващат само 27-те държави — членки на ЕС (ЕС-28 без Обединеното кралство), освен ако не е посочено друго.

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