In the last months of 2008 were found in Italy a sharp decline in applications for personal loans and other types of consumer credit.
In addition to the reality of the economic crisis and the slowdown of purchasing luxuries has also shown an increase in loan applications rejected by banks and financial institutions.
The following is 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 of personal loans seem to crumble:
LC Service Rapallo:
"In recent days we have made several 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 in 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 to be found in the fact that many people have already protested 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 euros per month.
High desperate cases such as people who have over 10 revolving credit cards and have spent up to 15 thousand euros discovered through neglect.
As a good rule The relationship between rate of pay and salary, says LC Service of Rapallo, for employees expected to 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 have an urgent cash.
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