In July, loan sales increase despite almost 84 percent. refuse

The July report by ZPF and CRIF shows an increase in the number and value of non-bank loans while maintaining a very selective assessment of customers. The value of financing increases by 3.8%. compared to June and by 16.9 percent year to year. The number of contracts increases by 3.7 and 8.6 percent, respectively, and the average amount is PLN 4,729.

83.9% result in a refusal. applications, which is the highest result in the period presented in this edition of the report. The share of new customers reaches 9.4%. In the analyzed 12 months, 502.1 thousand people did not receive loans. people trying to get financing.

The authors emphasize that the increase in sales results primarily from a larger number of loans granted, not from a sharp increase in their average value. The data includes companies representing approximately 90 percent. market. The commentary on the results also takes into account weaker assessments of the current situation of households with better expectations for the future, which may influence decisions about higher spending.

The average amount grows by only 0.1% per month and by 7.6% per year. This is another sign that the July rebound is not solely based on much larger individual contracts.