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Youth loans: smartphone debt trap
Young people and young people are increasingly taking up loans and getting more and more credit. Smartphones are the biggest debt trap today. On behalf of the German Bankers Association, she examined the willingness of young people between the ages of 14 and 24 to become debtors: just three years ago, only one in five participants stated that they were in debt.
There are now 31 percentage points of the age group in debt. However, most young debtors choose friendships as their favorite creditors, and credit institutions rank second to families. The Federal Association of German Credit Institutes is pleased to note that thanks to flat rates, the previous school trap for the telephone provider no longer exists, but that new pleasure objects are already appearing. Before 2012, car purchases were primarily made by young people with loans, smartphones and tablets are the driving force behind debt.
In the age group under consideration
Seven percentage points said that they would have liked to get into debt for such investments. It must not be a cheap old device, but must always be the latest or trendy cell phone in the shopping cart. But not only smartphones and tablets let young people take out loans and fall into debt traps.
This is one of the reasons why the debt trap is becoming increasingly dangerous for young people. Borrowing from three percentage points of the survey participants rose to over USD 1,000; just three years ago, this rate was just two percentage points. In 2003, fourteen percentage points of young people were still skeptical of their debt burden, in 2012 it stabilized at six percentage points.