Why take a loan more often than open deposit? About 1,500 people took part in the poll conducted by the Public Opinion Foundation. A third of the people surveyed claim that they have at least one deposit in the bank. But at the same time, the vast majority complain about their economic uselessness. Almost 50% of respondents say that a bank deposit is not a profitable investment. And 40% strongly doubt the reliability of this service. Quite a few – 45% of all survey participants do not have any information about deposit insurance, which is actively supported by the state.
The debt load of our population
As you know, the debt load of our population today is more than 50%. It turns out that the majority of Russians do not like deposits and banking organizations, but at the same time they do not cease to take loans. And really, why refuse yourself now in an interesting purchase and not take another loan? Yes, and for a long time to keep yourself in the framework in order to accumulate that by the time of accumulation may not be so relevant.
Why take a loan more often than open deposit?
In addition to the fact that many of us are accustomed to impulsive buying and often “light up” with the thought of acquiring a new thing, there are still some negative points that repel the population to draw up deposits. First of all, it is the interest rate. In most proposals, it barely blocks inflation. To this is added the reluctance of banks to issue deposits in small amounts. If we compare the average amount of the contribution and the average salary in Russia, then the difference is hardly enough for utility payments and products.
Money is needed here and now
The fast pace of life dictates its own rules. Often there is not enough money to achieve the cherished goal. Then people take a loan knowing that salary or other income will come soon. At such moments, the main thing is to clearly calculate your capabilities. To borrow money you need a specific amount, no more, no less.