Operation rehabilitation. In its latest study, the online broker Credither wanted to sweep away the misconceptions about the pooling of credits. How? By drawing the typical portrait of the applicant using this financial technique. Because, no, the homes concerned are not all “drowned under the credits”.
Primary objective: increase your living space
First, a focus. The goal of Credither, with this study, is not to ” revaluate this practice superlatives, justifies Mael Bernier, spokesperson of Credither, but rather to deliver figures and information that finally speak for themselves about the people who actually use this type of credit operation […] “.
Thus, out of nearly 23,000 files studied since the beginning of the year, “only” 15% relate to ” complex ” groupings, that is to say to solve a ” delicate financial situation “. The typical profile of the applicant is therefore quite distant from the over-indebted.
In fact, the majority of cases ( 50% ) are “comfort” profiles simply wanting to improve their living space. As for the remaining 35%, their objective is to regain some investment capacity: for 20%, the operation will allow to acquire a new property; for the other 15%, it will finance a rental investment.
Average income around € 3,122
If one enters more into the typology of the borrower, one stays there also quite far from the household buried under the credits. Of course, half of them must repay at least four credits (conso and / or immo). And certainly, the debt ratio before renegotiation reached 46%, higher than the 33% admitted by banks.
But their rest-to-live ” is not completely uncomfortable “: € 1,640 for owners and € 1,275 for tenants. And it is even less after operation, increasing to € 2,539 and € 1,869.50 respectively.
The report is clear. For Mae Pilar these results make it possible to ” clear customs banks that have often been singled out as the main perpetrators of the over-indebtedness of individuals. Because in fact, those who get an agreement from a bank are far from being in a critical situation.
An average age of 45
Finance apart, what are the applicants who have been pooled? They are mainly in couples (at 69%, but the requests are mostly made by men), on permanent contracts (at 80% ) and with 1 to 3 dependent children (for more than 55% ). Their age? 45 years old on average. Geographically, requests come mainly from Île-de-France (nearly 18% ).
In terms of socio-professional categories, the majority are employed (27%), followed by civil servants ( 18% ), executives ( 11% ) and retirees ( 9% ). More surprisingly, workers only arrive in third position (12% ). The sign of more than the grouping of credits does not concern only the most fragile categories.