2018 Data Statistical Bulletin 1st Semester 2018
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1 2018 Data Statistical Bulletin 1st Semester 2018 Over-indebtedness of families The "new" causes of over-indebtedness
2 Qualifications Professional situation Families asking for GAS/DECO support 5 In 2016, 26% were unemployed while 30% in st Cicle 14% 2nd Cicle 9% 3rd Cicle 25% High School 36% 6% Self employed Higher Education Geographical distribution 3% 4% 27% 6% 7% 1% 1% 1% 0% 3% 1% 16% Requests for support 17% 14% 20% 43% Retired Public Sector Unemployed Private Sector Evolution of Over-Indebtedness GAS/DECO Processes 5% 22% 11% 1% 4% 1st Semester Year % Açores 1% Processes % Madeira 3%
3 Families accompanied by GAS/DECO Household members Civil status 47% 28% 6%26% Married or equivalent Single 45% 30% Divorced/Separated 22% 1 person 2 person 3 or more persons 10 % support upward family Widower 3% Professional Situation Evolution of Over-Indebtedness GAS/DECO Processes Mediation Processes 5% 11% 19% 17% 48% Self employed Retired Públic Sector Unemployed Private sector 1st Semester Year Mediation Processes
4 Causes of Over-Indebtedness Guarantors -1% Retirement- 2% Upward family support 5% Divorce/separation 10% Unsuccessful business and/or investments - 6% Change in the household members - 10% Garnishment/attachment - 12% Illness / disability 15% Deterioration of working conditions - 19% Unemployement 20% Note: Causes of Over-Indebtedness (%) by GAS/DECO processes in the 1st semester 2018
5 Total Average Amount of Credit Total Amount of Housing Loans Total Personal Credit Amount Total Credit Cards amount of credit Average Amount of Credits per GAS/DECO Process Average Amount of Credits per Process In 2008 and in 2009 each family had the average of 7 credits Credts per process 1 Home Loan 2 Personal Credits 2 Credit cards Note: Average Entrepreneur amountslides of credits per process mediated by GAS/DECO, per type of credit in the 1st semester of 2018
6 Key aspects of housing loans 9 Maturity of housing loans Credit in default Credit in difficulty Year of the housing loan contract 20 years 16% From 21 to 25 12% From 26 to Montante Médio 30 21% dos Créditos From por 31 to processo 35 8% From 36 to 40 26% From 41 to 45 9% From 46 to 50 8% 32% 43% % ate % 2000 a % 2006 a % 2011 a % % % Note: Housing loans data, from GAS/DECO processes in the first semester of 2018
7 Credits balance situation Credit in default Credit on time Credit in difficulty * 45% 55% 67% 49% 51% Credits situation Credits in default 71% 54% 66% 63% 66% 53% 55% 49% Credits on time 29% 46% 34% 37% 34% 47% 45% 51% Note: * Totality of credits before GAS/DECO mediation (%), on the 1st semester of 2018
8 Average rate of effort 12 Average family income 1100 Average credit responsabilities Average mensal expenditures Food Electricity Telecommunications Gas Water Others Average rate of effort 73% Average available -171 balance Note: Average rate of effort (credits towords income) for consumers who asked GAS/DECO suport in the 1st semester of 2018
9 Average Rate of Effort Average Rate of Effort 73 % Year Average rate of effort 89% 98% 73% 77% 67% 70,8% 73% Note: Average rate of effort (percentage of credits in income) for consumers who asked for GAS/DECO support in the 1st semester of 2018
10 Expenses N New Expenses 13 % of the families who applied for GAS/DECO support lived in a rented house Average rent: 306 Maximum value of the rent Minimum value of the rent 100 I bought a house through a bank loan. Things did not go well and I ended up losing the house to the bank. It's been about five years and I'm still at a "crossroad" because I cannot get rid of personal credits I've accumulated throughout the years and after several court debts there is no way to stop. In fact, I don`t even know how many credits I have to pay. I do not even know how what is going to happen with the loss of the mortgage. - Over-indebted statement Note: These new expenses had an increasing weight in the 1º semester of 2018
11 All consumers who ask for GAS/DECO support have access to: Consumer training and information in the area of financial literacy; Economic advice and financial coaching (including family budget management and use of credit); Support and mediation in situations of overindebtedness.
12 Where to find DECO: Rua General Luís do Rego, VIANA DO CASTELO DECO Minho Rua da Torrinha, 228 H, 5º PORTO DECO Norte DECO Centro Rua Padre Estevão Cabral, 79-5º Sala COIMBRA Rua Engº António José Souto Barreiros Mota, nº 6 L Santarém DECO Oeste e Ribatejo Rua Artilharia Um, 79 4º LISBOA Tel gas@deco.pt Sede Lisboa DECO Alentejo Travessa Lopo Serrão, 15 A R/C ÉVORA DECO Algarve Rua Dr. Coelho de Carvalho, 1C FARO
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