Public services

Addressing household over-indebtedness

Report
Veröffentlicht
12 März 2020
pdf
Formate
Executive summary in 22 languages
Herunterladen

Wichtigste Erkenntnisse

  • 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.
Read more
  • 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.
Read less

Zusammenfassung

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.

Read less

Formate

  • Bericht

    Anzahl Seiten: 
    68
    Referenznr.: 
    EF19044
    ISBN: 
    978-92-897-2057-1
    Katalognr.: 
    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.

    Formate

    Zitieren Sie diese Veröffentlichung: 

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

  • Executive summary

    Referenznr.: 
    EF19044EN1
    Catalogue info

    Bekämpfung der Überschuldung privater Haushalte

    Autor(en): 
    Eurofound

    Das Problem der Überschuldung gibt nach wie vor Anlass zur Sorge, insbesondere bei einigen Bevölkerungsgruppen und in Mitgliedstaaten, in denen in jüngster Zeit ein Anstieg zu beobachten ist. Dieser Bericht gibt einen Überblick über die wichtigsten Ursachen, Auslöser und Folgen der Überschuldung privater Haushalte, einschließlich der Kosten für die Gesellschaft. Es werden zwei politische Maßnahmen in der EU und in Norwegen untersucht, nämlich Schuldnerberatung und Entschuldungsverfahren. Die Ergebnisse zeigen zwar, dass solche Dienste und Verfahren infolge der weltweiten Finanzkrise allgemein besser verfügbar und leichter zugänglich geworden sind, doch bestehen nach wie vor Lücken. Das Ziel des Berichts besteht vor allem darin, politischen Entscheidungsträgern auf nationaler und EU-Ebene Wege aufzuzeigen, wie die politischen Maßnahmen zur Bekämpfung der Überschuldung privater Haushalte verbessert werden können.

    Zum Herunterladen in 22 Sprachen verfügbar

    Herunterladen
  • 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

Forschungsarbeiten, die vor dem Austritt des Vereinigten Königreichs aus der Europäischen Union am 31. Januar 2020 durchgeführt und anschließend veröffentlicht wurden, können Angaben zu den 28 EU-Mitgliedstaaten enthalten. Nach diesem Datum werden nur noch die 27 EU-Mitgliedstaaten (EU-28 ohne das Vereinigte Königreich) in den Forschungsarbeiten berücksichtigt, sofern nichts anderes angegeben ist.

Useful? Interesting? Tell us what you think. Hide comments

Neuen Kommentar schreiben