In the last months of 2008 were found in Italy a sharp decline in requests for personal loans and other types of consumer credit.
In addition to the reality of the economic crisis and the slowdown of the purchase of luxuries has also shown an increase in loan applications rejected by banks and financial institutions.
Below an interview appeared in the newspaper Sexolo Ninth Tenth of a lending agency "LC Service of Rapallo", specializing in loans and grants on the Ligurian territory.
From 'interview it seems that in the period before this Christmas practices seem to break down personal loans:
LC Service Rapallo:
"In recent days we have made numerous comparisons between mid-December with the same period in other years. We then noticed a significant drop in applications for personal loans. In fact, the fifteen practices loans ended the first half of December 2007 we moved to three practices loans in the first half of December. People want access to personal credit, but for various reasons can no longer get a loan and credit. Surely the reasons are found in the fact that many people have already complained or reported as bad debtors.. "
We have seen many different cases such as for example by the employee with a regular paycheck came with a thousand euros net per month with various outputs including mortgage and other loans than eight hundred - nine hundred dollars every month.
Senior most desperate cases such as people over 10 who have revolving credit cards and have spent up to 15 thousand euros discovered through carelessness.
How The relationship between a good idea to pay and salary rates, explains LC Service of Rapallo, for employees should remain around 35 percent.
"We have noticed that years ago people called for a loan to buy expensive goods like cars, motorcycles, now the loans are used to cover other debts or to get a cash urgently.
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