{"id":5822,"date":"2017-10-20T11:02:54","date_gmt":"2017-10-20T09:02:54","guid":{"rendered":"http:\/\/pmr-restrukturyzacje.local\/pmr\/mlodzi-polacy-dlugi-i-brak-oszczednosci\/"},"modified":"2024-12-14T14:20:17","modified_gmt":"2024-12-14T14:20:17","slug":"young-poles-in-debt-and-no-savings","status":"publish","type":"post","link":"https:\/\/pmrsa.pl\/en\/young-poles-in-debt-and-no-savings\/","title":{"rendered":"Young Poles - debts and lack of savings"},"content":{"rendered":"

The likelihood of saving money in the next 12 months is declared as 'negligible' by 52.4 per cent of Poles and as 'none' by 25.6 per cent. - according to a survey carried out by the Conference of Financial Enterprises and the Institute of Economic Development of the Warsaw School of Economics.<\/p>\n

The likelihood of saving is indicated as 'very likely' by 6 per cent of respondents and as 'very likely' by 16 per cent. The prevalence of those not planning to save is 37.8 percentage points, compared to 38.4 percentage points a quarter ago.<\/p>\n

\"According to households, the climate for saving improved once again at the beginning of Q3 2017. The balance of responses for this question increased by 7.5 percentage points compared to the Q2 2017 results and reached its highest result since 1997.\" - the commentary wrote.<\/p>\n

At the same time, 42.5 per cent believe that now is a good time to save, while 57.5 per cent hold the opposite view. Prior to the quarter, the respective figures were 39.7 per cent and 60.2 per cent.<\/p>\n

Young Poles are taking out more<\/a> obligations<\/b><\/p>\n

The situation is similar in Poland. According to the report "Credit Trends" by the Credit Information Bureau<\/a>, in the first half of 2017 the number of people with liabilities to loan companies increased by 24 thousand. About 80 percent of them also have bank loans. This creates the risk of some borrowers falling into a spiral debts by taking on more liabilities in companies<\/a> loan. The interest in such companies results from the fact that banks are withdrawing from low-amount consumer loans.<\/p>\n

\u2013 I don't think that the increase in debt is a negative symptom. What is more important is how young people behave when they lose the ability to service their obligations. Do they try to solve their problems or do they run away from them, hoping that they will solve themselves? Identifying the debt problem in its initial phase and dealing with it is possible with a small sacrifice on the part of the borrower. Sometimes it is enough to limit your eating or partying habits, get more involved in work and show a bit of strong will to overcome difficulties before they start to pile up \u2013 says S\u0142awomir Anisimowicz, director at the PMR law firm. Restructuring<\/a> SA, which helps consumers with bankruptcy.<\/div>\n

S\u0142awomir Anisimowicz admits, however, that such simple solutions are often not possible. This happens when the borrower decides to take out a loan too late. problem solving<\/a> or in the event of accidental events (illness, accident) that we have no influence on. Then excessive debt becomes difficult to eliminate.<\/p>\n

\u2013 It is important to take decisive action then. First, try to reach an agreement with the creditors, and if it does not happen, use legal tools such as consumer bankruptcy<\/a>. Such decisions are most often made by conscious consumers. Unfortunately, there are too few social initiatives that make young people (and not only them) aware that remaining in a state of excessive debt leads to being pushed to the margins of society, directly into grey zone<\/a> \u2013 adds the representative of the PMR Restrukturyzacje SA law firm.<\/div>\n
The material appeared on biznes.interia.pl:
\n<\/b>
\n19 October 2017:
\n\" Young Poles have debts and no savings<\/a><\/div>","protected":false},"excerpt":{"rendered":"

Jako „znikome” prawdopodobie\u0144stwo oszcz\u0119dzania pieni\u0119dzy w ci\u0105gu najbli\u017cszych 12 miesi\u0119cy deklaruje 52,4 proc. Polak\u00f3w, a jako „\u017cadne” 25,6 proc. – wynika z badania zrealizowanego przez Konferencj\u0119 Przedsi\u0119biorstw Finansowych oraz Instytut Rozwoju Gospodarczego SGH. Jako „bardzo du\u017ce” prawdopodobie\u0144stwo oszcz\u0119dzania wskazuje 6 proc. badanych, a jako „du\u017ce” 16 proc. Przewaga os\u00f3b nieplanuj\u0105cych oszcz\u0119dzania wynosi 37,8 pkt. proc. wobec 38,4 pkt. proc. przed kwarta\u0142em. „W opinii gospodarstw domowych na pocz\u0105tku III kwarta\u0142u 2017 r. klimat do oszcz\u0119dzania po raz kolejny poprawi\u0142 si\u0119. Saldo odpowiedzi dla tego pytania wzros\u0142o o 7,5 pkt. proc. wzgl\u0119dem wynik\u00f3w z II kwarta\u0142u 2017 r. i osi\u0105gn\u0119\u0142o najwy\u017cszy wynik od 1997 r.” – napisano w komentarzu. Jednocze\u015bnie 42,5 proc. ocenia, \u017ce obecnie jest dobry czas na oszcz\u0119dzanie, a 57,5 proc. jest przeciwnego zdania. Przed kwarta\u0142em by\u0142o to odpowiednio 39,7 proc. oraz 60,2 proc. M\u0142odzi Polacy zaci\u0105gaj\u0105 kolejne zobowi\u0105zania Podobna sytuacja jest w Polsce. Jak wynika z raportu „Kredyt Trendy” Biura Informacji Kredytowej, w pierwszym p\u00f3\u0142roczu 2017 roku o 24 tys. wzros\u0142a liczba os\u00f3b maj\u0105cych zobowi\u0105zania w firmach po\u017cyczkowych. Oko\u0142o 80 proc. z nich ma r\u00f3wnie\u017c kredyty bankowe. To rodzi niebezpiecze\u0144stwo wpadania cz\u0119\u015bci kredytobiorc\u00f3w w spiral\u0119 d\u0142ug\u00f3w poprzez zaci\u0105ganie kolejnych zobowi\u0105za\u0144 w firmach po\u017cyczkowych. Zainteresowanie takimi firmami wynika z faktu, \u017ce banki wycofuj\u0105 si\u0119 z niskokwotowych kredyt\u00f3w konsumpcyjnych. – Nie wydaje mi si\u0119, \u017ceby wzrost zad\u0142u\u017cenia by\u0142 objawem negatywnym. Wa\u017cniejsze jest, jak zachowuj\u0105 si\u0119 m\u0142odzi ludzie w sytuacji, gdy trac\u0105 mo\u017cliwo\u015b\u0107 obs\u0142ugi zobowi\u0105za\u0144. Czy pr\u00f3buj\u0105 rozwi\u0105za\u0107 swoje k\u0142opoty, czy te\u017c uciekaj\u0105 od nich, maj\u0105c nadziej\u0119, \u017ce same si\u0119 one rozwi\u0105\u017c\u0105? Identyfikacja problemu zad\u0142u\u017cenia w pocz\u0105tkowej jego fazie i zmierzenie si\u0119 z nim mo\u017cliwe s\u0105 przy niewielkim wyrzeczeniu kredytobiorcy.Czasem wystarczy ograniczy\u0107 swoje przyzwyczajenia \u017cywieniowe lub imprezowe, bardziej zaanga\u017cowa\u0107 si\u0119 w prac\u0119 i wykaza\u0107 si\u0119 odrobin\u0105 silnej woli, \u017ceby pokona\u0107 trudno\u015bci, zanim zaczn\u0105 si\u0119 nawarstwia\u0107 – uwa\u017ca S\u0142awomir Anisimowicz, dyrektor w kancelarii PMR Restrukturyzacje SA, kt\u00f3ra pomaga konsumentom w zakresie upad\u0142o\u015bci. S\u0142awomir Anisimowicz przyznaje jednak, \u017ce cz\u0119sto takie proste rozwi\u0105zania nie s\u0105 mo\u017cliwe. Dzieje si\u0119 tak wtedy, gdy kredytobiorca zbyt p\u00f3\u017ano decyduje si\u0119 na rozwi\u0105zanie problem\u00f3w lub w sytuacji zdarze\u0144 losowych (choroba, wypadek), na kt\u00f3re nie mamy wp\u0142ywu. Wtedy nadmierne zad\u0142u\u017cenie staje si\u0119 trudne do zniwelowania. – Wa\u017cne jest w\u00f3wczas podj\u0119cie zdecydowanych dzia\u0142a\u0144. Najpierw pr\u00f3ba porozumienia z wierzycielami, a gdy do niego nie dojdzie, skorzystanie z narz\u0119dzi prawnych takich jak upad\u0142o\u015b\u0107 konsumencka. Takie decyzje podejmuj\u0105 najcz\u0119\u015bciej \u015bwiadomi konsumenci. Za ma\u0142o jest, niestety, inicjatyw spo\u0142ecznych, kt\u00f3re u\u015bwiadamiaj\u0105 m\u0142odym ludziom (i nie tylko im), \u017ce pozostawanie w stanie nadmiernego zad\u0142u\u017cenia prowadzi ich do wypchni\u0119cia na margines spo\u0142eczny, wprost do szarej strefy – dodaje przedstawiciel kancelarii PMR Restrukturyzacje SA. Materia\u0142 ukaza\u0142 si\u0119 w serwisie biznes.interia.pl: dnia 19 pa\u017adziernika 2017: \u00bb M\u0142odzi Polacy maj\u0105 d\u0142ugi i nie maj\u0105 oszcz\u0119dno\u015bci<\/p>","protected":false},"author":12,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[19],"tags":[],"ppma_author":[30],"class_list":["post-5822","post","type-post","status-publish","format-standard","hentry","category-blog"],"authors":[{"term_id":30,"user_id":12,"is_guest":0,"slug":"teampmr-restructuring-pl","display_name":"Zesp\u00f3\u0142 PMR","avatar_url":{"url":"https:\/\/pmrsa.pl\/wp-content\/uploads\/2024\/10\/logo2-e1729926426335.png","url2x":"https:\/\/pmrsa.pl\/wp-content\/uploads\/2024\/10\/logo2-e1729926426335.png"},"0":null,"1":"","2":"","3":"","4":"","5":"","6":"","7":"","8":""}],"_links":{"self":[{"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/posts\/5822","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/users\/12"}],"replies":[{"embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/comments?post=5822"}],"version-history":[{"count":0,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/posts\/5822\/revisions"}],"wp:attachment":[{"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/media?parent=5822"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/categories?post=5822"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/tags?post=5822"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/ppma_author?post=5822"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}