Since the peak of 2014, the number of over-indebtedness files has been halved, indicates the Banque de France. Charles Plates / REUTERS
Women represent 55% of debtors and co-debtors. 20% of them are at the head of a single-parent family.
women and peopleisolated“are still overrepresented in over-indebtedness cases, according to data from the Banque de France published on Monday and relating to 2022. “Over-indebted people are often single adults or women, especially when they are heads of single-parent families.“, Indicates the Banque de France in its press release.
Women thus represent 55% of debtors and co-debtors, compared to 50% in the French population as a whole. Above all, single women with children represent almost 20% of cases but less than 10% of all households. Men are not spared, however, since 28% of over-indebted households are men living alone (16% in the French population). In addition, a quarter of over-indebted people are unemployed. And 88% are tenants or hosted for free, “more than double that of the French population“, according to the Bank of France. “On the profiles of people, there is no notable change in 2022“, explained in a press conference Hélène Arveiller, deputy director of the private individuals of the institution.
In 2022, the share of real estate loans in the indebtedness of over-indebted households has however decreased compared to the previous year, in favor of current expenses such as bills and rents. The share of consumer loans is stable. Last year, the number of over-indebtedness files fell by 7% compared to 2021, to 113,081. It is also less than in 2019. And since the peak of 2014, the number of over-indebtedness files has been halved.
TO HAVE ALSO – David Lisnard: “Public over-indebtedness is one of the major scourges of France”