2024-01-11 12:36:31
This represents nearly 122,000 files submitted in total. A level, however, lower than the period before Covid-19.
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The number of over-indebtedness files increased by 8% in 2023, with nearly 122,000 file submissions in total, according to figures from the Banque de France communicated Thursday January 11 to franceinfo, confirming information from RTL.
This level of over-indebtedness cases, however, remains lower than the period before Covid-19. Unsurprisingly, it is low-income households that are most represented among these households, notably single people, the small majority of whom are women, or single-parent families. These are tenants in three quarters of cases, whose income is generally less than 1,930 euros per month.
An increase linked to the attitude of the banks
If the number of over-indebtedness cases increased last year, this is not so much linked to inflation as to the end of an exceptional support policy from the State during and following the health crisis, with employment support schemes and various energy shields or fuel rebates.
Above all, the attitude of the banks has evolved. They were rather conciliatory between 2020 and 2022 on the payment deferrals of certain credits. Last year’s increase, however, remains moderate and the number of cases is almost half the peak reached in 2011, once morest a backdrop of relatively high unemployment and the consequences of the financial crisis.
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