3 million Romanians have taken consumer loans, and one in ten has a home loan, says BNR. What is the average borrowed amount

In the first 4 months, according to statistics, the population increased its consumption by about 3% compared to the same period of last year, increased growth and the resources borrowed from banks.

Nearly 3 million Romanians borrowed for consumption (including credit card and discovered by the account), the average number of consumption loans held by a debtor being 1.5, an analysis of the National Bank shows. Debtors with multiple consumer loans hold more than half (56%) of total consumption credits granted by banks.

About 9% (262,000) of those who have consumer loans also have mortgage loans, accessing 10% of the total consumer loans granted by banks, says BNR

The median age of debtors with consumer loans is 46 years. In the case of debtors with consumer loans who also have mortgages in progress, the median age is less, 40 years, while in the case of borrowers with multiple consumer loans it is 45 years.

The average amount granted for a consumer loan is 43,600 lei, says the NBR, and for the discovery of the account is 7,700 lei, while at the credit card the average amount is 8,000 lei.

The main destination of the consumption expenses of the population is the expenses for agri -food products and non -alcoholic beverages (35% of the total average consumption of household consumption. (+23%).

In the international context, the evolution of consumer credit is similar to savings in the region (Bulgaria 13%, Poland 8%, annual dynamic), Baltic countries (Lithuania 34%, Estonia 22%and Latvia 18%) being in the top of the most accelerated consumer credit. In contrast, the Netherlands and Luxembourg registered a significant contraction of consumption loans (-12%, respectively -14%).