Proportion of households with outstanding loans declined - a survey

Percentage of households with outstanding credit has declined. This is illustrated by a survey conducted by the Levada Center (Levada Center). If the November 33% of respondents reported that they have outstanding loans in December - 28%, then during the February survey 26% of respondents reported that they have outstanding loans. At the same time, representatives of the Levada Center, "pay attention to that judge on the incidence of arrears among families on the question (Do you or someone in your family is an outstanding loan?) Is impossible. On the one hand, this trend can be explained by the fact that families are gradually paying on loans previously taken (if possible try to "get rid" of debts). C on the other hand, reducing the proportion of households with outstanding loans, may explain the "compression" of opportunities in consumer and auto lending, reducing the flow of "new" borrowers. Although the structure of families who have outstanding loans have occurred some changes over the period from November 2008 to February 2009, but at the same time a portrait of households with outstanding loans, on the main socio-demographic characteristics as a whole is preserved. Basically it is those families who actively took credits for the purchase of goods, at least - for services such as education or health. More often - it's family, where the "breadwinner" family (who bring a basic income to the family) is working: these families - 42% of households with outstanding credit. Another 24% of families - families where the "breadwinner" is a specialist. Among households with outstanding loan - only 14% of families in which the "breadwinner" entrepreneur or manager.