Every day — black

4

Каждый день — черный

The Russians today successfully only piling up debts. And not only because people do not earn much, but also because of the aggressive solicitation of loans.

The media cheerfully reported that the Russians are beginning to save money when income is 35 thousand rubles per family member. What an elegant formulation! Not “could do”, not “would like to make savings”, not “I dream that payroll had any left,” and right here “start delay”.

Meanwhile, the average Russian family is 3.7 (sorry for such “dismemberment”). If running it in two, then each of them will have to earn “only” 65 thousand roubles a month to be able to put in a jug or to make a Deposit. How many of us are there? According to various estimates, households with income above one hundred thousand in Russia from 10% to 14%. Of these, 3% rich, the rest of the ephemeral middle class. And everyone who does not fall into these 10-14%, live very modestly or even struggle to survive.

About 13% of Russians are openly and shockingly poor (although officials prefer to call them poor), more than half (55%) earn less than 27 thousand, and each fourth less than 15 thousand rubles per month. Three-quarters of the people in our rich country does not have enough money until your next paycheck. People somehow with each other combine to make it a little easier. Many still live in multigenerational families, not being able to pass one another. And, of course, they can’t save for a rainy day. For them, every day — black. And piling up debts.

By the way, about the debt. In most regions, debt burden of citizens has reached the level of the first sanctions 2014. Then people borrowed to keep life, to keep a presence in everyday life little pleasant luxuries. Now a uncover credit cards and go to banks, because otherwise simply does not to buy clothes, not to pay for an apartment, just do not eat.

The average level of debt in Russia has exceeded 10%. That’s a lot, because at all. And on a pensioner Mrs. Manya, who for three years paid the mortgage on a smartphone, given to grandson on my fifteenth birthday. And the tyre Kohl, which for some reason I bought a “Mazda” for a million. And mortgage holders Ivanov, who pull his strap thirty years and three years. And for those who have no debts no. And even the high school student the little johnny — because we have everyone over 15 years old, is considered working, and thus a potential owner of any income.

10% is a lot because the Russians are woefully short earn. For a debtor with average or above average income, an optimum personal loan burden not exceeding 25-30%. But the average income can not be called a salary is 27 thousand rubles, which will not grow 55% of the population, and even more — the pension is less than 15 thousand rubles, which receive more than half of all pensioners (or about 13-15% of Russians). We got two thirds of people any debt load is a huge risk and stress: and 30, 20, or even 10%. However, many are carrying a burden of debt in half or more of their income. This is absurd. This is nonsense. A road to nowhere.

And what in this situation are the authorities doing? Say, from October to tighten rules for issuing loans. It would be good. For a start you could stop aggressive broadcast advertising expensive consumer loans.

I have cards of two banks. One drips a modest teacher’s salary from Bank constantly call and write, describing the delights of the loan in a million. On the other lists is quite modest fees — the Bank also regularly imposes credit, and already at half a million. Come offers from banks with which I do nothing connects. To get a credit card with high limit tempt even the mobile operator.

But all this is bombarding and very poor, crushed the needy people who from despair to agree to any financial proposals. The temptation for frankly marginal citizens: why not take — out small loans three years ago burned themselves, collectors off my back.

Yes, credit cards have not throw up in mailboxes. Now the borrower must make at least autonomy, at least to make a few clicks in the app. But it is still very simple. And it seems, if it’s easy to take (you trusted, you were considered trustworthy), then it will be easy and pay. And for bonus credit, you see, even builds up something, and during the grace period, perhaps a card and get earn a few extra cents. This ease is of course deceptive. To all can result in a very heavy weight, which every day will only grow. And accumulate themselves does not bonuses, and fatigue, disappointment, despair, and fear.

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