Bad Quick Credits Decline

Bad Quick Credits Decline
Ñíèìêà: Money prices increasingly depend on clients’ records

The taming of overdue debts is seen as a signal for getting out of the crisis. More and more companies in the sector fix credit prices based on how prompt payers have been so far

Elena Dimitrova | 15.01.2010 10:41

Bad “quick” credits grow increasingly slow. In the last quarter of 2009 the growth of overdue consumer credits stood at the “symbolic” 3.7%, data of non-bank company Easy Asset Management shows. On the background of a 8% growth in the third quarter, an increase of 22% in the second, and a high jump of 37% in the first, this is good news, the company reports. By the year-end the total share of overdue credits comes to some 11%, which is close to the average share of bad credits in the sector, according to data of the Bulgarian National Bank (BNB). Non-bank companies have allotted over BGN 3 billion consumer credits. The popular as “easy” credits are the most often granted on the spot in shops and are in the most cases for sums between BGN 200 to BGN 3,000. Interests on them are between 20% and 150% on yearly basis, but when it comes to installment plan purchases, consumers usually look at final prices, instead of interest rates. In order of making it not that frightening, companies prefer to work with monthly interests, although at receiving the credit the contracts read the final sum people are expected to pay out.

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