The Crufier association recently published a survey on overindebtedness in France. With an eloquent statement: this type of situation does not affect only “fragile” people. Active employees are also affected.
More than 50% of the over-indebted people are active
The study, piloted with 30,000 people helped by Crufier, shows a figure that chills: 55.7% of people with debt are active. The share of pensioners is also important (24%), in front of the unemployed / disabled indebtedness (12%).
Faced with a tense financial situation, households turn to different types of support: Crufier (52%), the Francia Bank (29%), social services (17%) and relatives (2%).
Households are indebted to the level of…
The majority of the persons accompanied must repay a debt higher than 45 000 € (37%). The following amounts of amounts follow:
-
less than € 15,000 (23%);
-
from 15 to 30,000 € (21%);
-
from € 30 to 45,000 (19%).
For Crufier, ” a national file of credits would avoid situations difficult to recover, acting in time “.
A credit register to protect against over-indebtedness
The latter seems to win votes to fight against over-indebtedness. They are 40% to consider this measure ” very effective ” and 27% ” fairly effective “.
Only 33% seem to cast doubts on this device: 20% deem it ” inefficient ” and 13% ” not effective ” at all.
Crufier, kezako?
Crufier is an association supporting over-indebted households for 25 years. She has been advocating for a national credit file for several years. ” France is one of the last European countries not to have one. There is today an emergency “, Justifies the president of Crufier France, Jean-Louis Kiehl.
And to argue that “this is the time to finally stem the plague that eats away at French society and endangers every year hundreds of thousands of households and French entrepreneurs and that strikes, contrary to popular belief, the middle class and destroys values! “
In this sense, the association has recently issued 6 proposals:
-
to create the said national registry of credits in France;
-
open over-indebtedness procedures to non-salaried workers and individual entrepreneurs;
-
increase efforts around the financial and budgetary education of young people, right from the middle school;
-
set up a National Budget Day in France;
-
institute unemployment insurance for self-employed workers (craftsmen, farmers, auto-entrepreneurs…);
-
write an ” Inclusive Charter for Fragile Entrepreneurs “.
Solutions in case of financial difficulties
Your charges are too heavy? You can perhaps lighten them, for example by reducing your daily expenses. Some are “priority” with deadlines to meet (rent, EDF bills…), it will be difficult to reduce them. On the other hand, it will be easier for you to cut back on the occasional expenses of the type leisure, holidays or furniture.
In the same vein, if you have a revolving credit, it may be interesting to turn it into a depreciable loan. Your interest rate will be less important.
You can also redeem credit. The principle? An organization groups your home loans and / or consumer loans to offer you a single loan. By paying only one monthly payment, you reduce your debt ratio.
Finally, the last solution: if you are unable to meet your monthly payments or if you are not eligible to buy credit, do not wait to knock on the door of an over-indebtedness commission. After studying your file, it will propose a recovery plan in agreement with your creditors. \