370000 berlin are over indebted
it should in the german right. the economy grows, more and more people have a job. alone in berlin to economic growth this year and next year to 2.5 per cent. and yet there are still a lot of people who can't pay their bills. in which, the monthly income is not enough to cover their expenses, and regularly.
in berlin alone are more than 370000 people. it is currently the eighth in the capital over indebted. only in saxony anhalt and bremen, the debt ratio is still higher than in berlin. this shows the schuldneratlas for the region, the information office creditreform on thursday presented. "the good cycle is over," says ceo jochen do not contain tungsten.
why are so many overly indebted.
it used to be, above all, unemployment, the people of overindebtedness has driven other reasons are today in the foreground. according to illness or accidents creditreform play, looking for a big role, but also the separation or the death of a partner. play a role, according to wolfram, people often live alone and thus higher costs such as rent. also, in the troubled many single, in which the income is simply not enough.
while the reasons are, by the people, usually through no fault of their own financial difficulties, in others the problem of homemade. it is often the necessary discipline to younger. this is a study of the federal association of german debt collection company has now presented. therefore, young adults often striking fault in onlinehändlern. for smartphone and fitness in 25 years is too much. "many younger are prepared, to meet short-term konsumwünsche debt," says marion grocer, vice president of the inkassoverbands. it is often the desire to keep up with friends.
how is it in other age groups.
in addition to the under 25 year olds, there is a second group, especially in the third device: it is over 50 years old. you can't pay your bills more often, with income or pension. unlike the younger is the you less to unbridled consumption, but the high cost of living. so fault older because most often with banks, suppliers and landlords. for the society, as well as for the affected, this is a huge problem. because the older you get, the more difficult it is to escape from the debt again. especially in berlin are the high cost of living for the elderly increasingly becomes a burden. there are already four percent of over 70 years old in the city of over indebted, that is more than twice as many as in the german average. in the capital, there are already nearly 20000 people, in which the money is not enough to live, can't pay their bills, and which would have been inkassofirmen were reported.
how to cut berlin districts?
berlinweit is the number of over indebted increased slightly. because at the same time, but more people in the city are considered here, found a job, the share of the population decreased between minimal. especially many overleveraged, there is according to the analysis of creditreform in spandau, where almost 16 percent of the residents of long-term financial problems. in steglitz zehlendorf is only about half as many. is higher than the average, the number of people with financial problem in addition to marzahn hellersdorf and slums in the middle and reinickendorf. the risk that the debt is senior and advised in charlottenburg carry highest, least vulnerable elderly in treptow - packed.
how is it going?
the experts of creditreform do not believe that the high debt will change so fast. lastly, the people are now in good economic times with your money. tungsten is therefore a structural problem. " so it is no longer socially weak, and the over indebtedness. now, in two thirds of the people with their money no longer manage the middle class. the tungsten is the changing world of work: more people to work out in part-time or as solo self-employed.
what can policymakers do?
according to experts, the high debt also something to do with the lack of financial education. in a recent survey, more than half of the german community, no idea about. it cuts the federal republic of germany compared with the eu particularly badly. the direktbank ing diba, the survey has commissioned the german already declared financial illiterate ". creditreform ceo jochen wolfram calls: "the state must do more to clarify what it means to deal with money." finanzbildung belongs to his view in the curriculum of schools. "children in the financially weak families grow up, we can from this spiral of debt only with a better finanzbildung out."
if the children in school to learn more about money, it could be something in the attitude of many german change which it extremely uncomfortable about their finances. that makes it even worse: "germany in usual, money is you not mentality 'is the situation of those affected, in addition," says christiane decker from the foundation of germany in plus. data were therefore often abandoned, out of shame, too active.
more information alone is not, however, mean dirk ulbricht, director of the institute of financial services (iff) in hamburg. in his view, we also need to reform the bankruptcy law. the attempt of the policy to allow faster between a fresh start, he had failed. since 2014, will consumers in the privatinsolvenz, under certain conditions, even after three or five years total). after five years, to start over, however, the costs must be paid. if after three years, the total free to 35 percent of its debt repayment must also. it is, thus far, not one. could you pay back their debt as soon, would hardly affected only in the situation finally came, the iff.
what can overleveraged do?
help get affected in several pages. the everyone can apply, regardless of how high he in debt. the non-profit institutions such as the uem is the advice free of charge. the adviser can help you an overview about the seriousness of the situation. they also support a, opposition to allow notices a pfändungsschutzkonto matter or to set up a monthly allowance for the disposal, not attached. an overview of the free points, there are schuldnerberatung-berlin.de. some institutions advise debtors now already online, by email or chat. (徳囯ASK电容器)