2024-04-02 18:52:38
Remain optimistic
38% believe that this year will be better than last year. 18-29 years and 30 percent. 30-39 years of the population surveyed in the study. 30 percent 42 percent of Vilnius city residents think that this year will be better, that it will be the same as last year. 32 percent 46 percent of people with higher incomes (more than 1,500 euros) feel that this year will be better. I think they are the same.
13 percent of the residents who participated in the study plan to borrow for larger purchases or activities this year, another 15 percent. claim that they already have financial obligations, so they do not intend to borrow additionally, while 72 percent Lithuanians generally do not plan to apply to a financial institution for a loan this year.
Those over 50 answered that they do not plan to borrow more often. residents who do not live in big cities or Vilnius county. About 18 percent 18-59 years old respondents answered that they currently already have obligations to financial institutions. Younger people, aged 18-49, are more likely to plan to borrow for housing, a car or a trip. respondents.
“Although the economic and geopolitical situation remained difficult last year, one of the biggest challenges for residents was the increase in interest rates on loans. As loans became more expensive, residents evaluated their borrowing options more cautiously and borrowed less. It seems that this year the situation of EURIBOR interbank interest rates should change and, according to forecasts, they could decrease to 2.5-3% at the end of the year, and borrowing will become more active”, commented Jolita Rėkutė, head of Kreda’s business development.
Saving never stops
According to the survey data, 31 percent women plan to save up to 10 percent this year. from income, 23 percent have the same plans. men who participated in the study. According to plans, 10-30 percent. residents of the cities of Vilnius, Kaunas and Šiauliai shared their income more often for savings. 41-61 percent Residents of Panevėžys, Marijampole, Šiauliai, Tauragė, Telšiai and Utena counties do not expect to save money.
About 40 percent answered that it will not be possible to save this year. 40-74 years old respondents. Meanwhile, 25 percent, younger, 18-29 years old. respondents, more than 20 percent from their income they plan to spend specifically on savings.
As J. Rėkutė observes, the environment of high inflation last year encouraged the accumulation of savings to be directed to investment products, especially popular was and remains a low-risk investment – term deposits. For the time being, the interest on them is still high, but when the central banks decide to reduce the base interest rates, it is predicted that the interest on fixed deposits will also decrease. According to experts, those considering fixed deposits as a savings solution should hurry, as it is not only a safe option, but also a return-generating option.
2024-04-02 18:52:38