Women and “isolated” people are still overrepresented in over-indebtedness cases, according to data from the Banque de France published on Monday and relating to 2022.
“People in over-indebtedness are often single adults or womenespecially when they are heads of single-parent families”, indicates the Banque de France in its press release.
Women thus represent 55% of debtors and co-debtors, compared to 50% in the French population as a whole. Above all, single women with children represent nearly 20% of cases but less than 10% of all households. Men are not spared, however, since 28% of over-indebted households are men living alone (16% in the French population).
Only a quarter of over-indebted people are unemployed
In addition, a quarter of people in a situation of over-indebtedness are unemployed. And 88% are tenants or hosted free of charge, “more than double that in the French population”, according to the Banque de France. “On the profiles of people, there are no notable developments in 2022 “, explained in a press conference Hélène Arveiller, deputy director of the private individuals of the institution.
In 2022, the share of real estate loans in the indebtedness of over-indebted households has however decreased compared to the previous year, in favor of current expenses such as bills and rents. The share of consumer loans is stable.
Last year, the number of over-indebtedness files fell by 7% compared to 2021, to 113,081. This is also less than in 2019. And since the peak in 2014, the number of over-indebtedness files has been divided by two.
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