From a representative survey of the Honest Lender. (sample of 3000 people, however, in 6 countries – in Hungary approximately 500 people could have been asked in my opinion) – it turned out that 65% of the Hungarian population (say, the respondents) have no problem with the current credit. While the loan repayment of 27% of the creditor is less than 10% of the income.
I did, but it also emerged from the press release that in the past year
One third of the respondents turned to credit, with only 20% of them receiving the amount of credit they asked for. The question arises as to where the error is in this number, since
- under the HL rules, you can even credit 50% of your income
- however, 33% of respondents turned to credit last year
- 27% of whom got what they wanted
- and add 65% to the loan repayment problem (if any)
The problem with these numbers is that the number of respondents
The localization of the survey or the financial situation of the respondents is not at all important.
I rather experience that
- families have already borrowed (and are loaded around 40-50%) or now want to borrow (and 40-50%)
- in the case of loans secured by real estate property, the balance between the loan amount requested and the amount of credit that can be granted is typically ‘matched’
Hungarians speak fairly openly about their finances
38 percent of respondents share their financial status with relatives . Compared to this, in other European countries, finance is a more confidential subject, and on average, about 40 percent of respondents share their finances with their partner or partner. – the press release says
Research also covered forms of savings; it turned out that respondents in Hungary and in the other countries surveyed are most likely to be abandoned on their bank accounts. 46 per cent of Hungarians hold their money in the bank , while every third respondent (29%) sees the accumulation of cash at home as the best way to save money . Although many people are insisting on tangible money, different online surfaces of financial institutions are used by customers. Hungarians like online banking: two thirds of the population (67%) are frequent visitors.
Unfortunately, this is an incredibly high number (46 + 29 = 75%) who do not turn the money back into the money market at all, but sit on it. Thus, in an inflationary environment their money is depreciated year after year. Unfortunately, this high rate is a mistrust of the money market and an extremely low deposit interest environment. Alternative investments seem to be too volatile for the Hungarian population, which can be considered conservative!