Consumer credit, salary transfers: risk of a credit bubble
Families already in trouble and – apparently – forgotten by the government. After the moratorium on loans expired on 30 September 2020, in fact, to date the only suspension in place concerns the business loans and leasing expiring on January 31st (while for tourism companies on March 31st) e suspensions on first home loans up to a maximum total of 18 months.
Waiting for 2021 budget law, the final text of which obtained the go-ahead from the government, and which should contain some interventions in this regard, to date a large portion of debt positions borne by families remains forgotten, which can no longer defer payments (and at the same time risk not being able to honor them). We are talking about, especially the consumer credit (the payment of car installments, for example, or household appliances), the salary transfers ed i unsecured loans mostly issued by credit agencies.
Today, most workers, especially those on layoffs, find it difficult to honor the maturities of the loans and the new restrictions throughout Italy do not help, explains the president of the Foundation for Labor Consultants Studies, Rosario De Luca. The prospect that, in the absence of a reference legislation, we will enter a credit ‘bubble’. It is therefore necessary to intervene soon.
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