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スペインの家庭では2012年1月ー3月には、収入より支出がうわまる、家庭の借金は8546億1600万0000ユーロで,住宅ローンは6568億1800万0000ユーロに、企業への貸し付けは8195億6400万0000ユーロ?家庭の貯蓄率は2009年の20%から10'2%に減少
Los hogares gastan más de lo que ingresan el primer trimestre de 2012
Nunca se había dado esta situación desde 2000, cuando el INE empezó a publicar estos datos
La tasa de ahorro baja hasta el 10,2% y sigue cuesta abajo desde finales de 2009
La deuda financiera de las familias se reduce un 3,4% con respecto al ejercicio anterior
El País / Agencias Madrid3 JUL 2012 - 10:06 CET
Households spend more than they pay the first quarter of 2012
Never had this situation since 2000, when the INE started publishing the data
The low savings rate to 10.2% and continues downhill since late 2009
The household debt is reduced by 3.4% over the previous year
The Country / Agencies Madrid 3 JUL 2012 - 10:06 CET
Never had this situation since 2000, when the INE started publishing the data
The low savings rate to 10.2% and continues downhill since late 2009
The household debt is reduced by 3.4% over the previous year
The Country / Agencies Madrid 3 JUL 2012 - 10:06 CET
The household saving continues to decline. After arriving at a rate of 20% in late 2009, fully in recession, the data that is published every quarter the INE has dropped steadily ever since. The fall in family incomes in a country with 5.6 million unemployed, with about two million families with all members unemployed, ever lower wages and households who have exhausted government benefits, is the cause main trend. In addition, relapse into recession after recovering from mild symptoms experienced during 2011, have been accompanied by extra costs earlier this year, as are those derived from the slope of January, which has led families to spend more than admitted for the first time since 2000 when the National Statistics Institute (INE) began publishing such data.
Between January and March, the disposable income of households and institutions fell by 1.3% year on year, to 165.838 million euros, while final consumption grew by 2.1% and totaled EUR 166,491,000. The savings achieved thus a negative amount of 911 million euros.
However, the average of the last four quarters, which eliminates the sharp swings in savings by the time of year, the savings rate remains positive, although still falling, falling to 10.2% of income seven points less than the last quarter of last year.
In the first quarter, the decrease in the balance of primary incomes of households reached 1.8%, because the increase of 1.5% of operating surplus and mixed income does not offset the declines in compensation of employees (from 3.2%) and the net balance of property income received (4.4%).
This decrease in the balance of property income (interest, dividends, etc..) Results from a smaller increase in income received (2.2%) than those paid (12.6%). Regarding the secondary distribution of income, households benefited this quarter from a volume greater than the benefits received from social security contributions paid (first grow by 3.6% and the latter 2.2% decrease) and a positive balance of current transfers received that does not offset the 5.8% increase in taxes on income or capital paid by households.
Considering the capital account, a surplus of 1,724 million euros in net capital transfers received is not sufficient to finance the negative amount of savings and investment. Thus, the household sector gets a net borrowing of EUR 12.591 million (4.8% of quarterly GDP).
Borrowings
The household debt stood at 854.616 million in May euros, 3.4% less compared to 884.889 million the same month last year. Thus, the total household debt six consecutive months of decline, according to data released Tuesday by the Bank of Spain.
Specifically, the credit for house purchase is 656.818 million euros, 2.6% less than a year ago. Thus, loans for house purchase are represntando three quarters of total household debt. Moreover, loans to nonfinancial corporations stood at 819,564 euros, 5.9% less than in May last year.
Firms offset the reduction of credit granted by financial institutions with securities, which increased by 7.2% to 68.658 million.
Between January and March, the disposable income of households and institutions fell by 1.3% year on year, to 165.838 million euros, while final consumption grew by 2.1% and totaled EUR 166,491,000. The savings achieved thus a negative amount of 911 million euros.
However, the average of the last four quarters, which eliminates the sharp swings in savings by the time of year, the savings rate remains positive, although still falling, falling to 10.2% of income seven points less than the last quarter of last year.
In the first quarter, the decrease in the balance of primary incomes of households reached 1.8%, because the increase of 1.5% of operating surplus and mixed income does not offset the declines in compensation of employees (from 3.2%) and the net balance of property income received (4.4%).
This decrease in the balance of property income (interest, dividends, etc..) Results from a smaller increase in income received (2.2%) than those paid (12.6%). Regarding the secondary distribution of income, households benefited this quarter from a volume greater than the benefits received from social security contributions paid (first grow by 3.6% and the latter 2.2% decrease) and a positive balance of current transfers received that does not offset the 5.8% increase in taxes on income or capital paid by households.
Considering the capital account, a surplus of 1,724 million euros in net capital transfers received is not sufficient to finance the negative amount of savings and investment. Thus, the household sector gets a net borrowing of EUR 12.591 million (4.8% of quarterly GDP).
Borrowings
The household debt stood at 854.616 million in May euros, 3.4% less compared to 884.889 million the same month last year. Thus, the total household debt six consecutive months of decline, according to data released Tuesday by the Bank of Spain.
Specifically, the credit for house purchase is 656.818 million euros, 2.6% less than a year ago. Thus, loans for house purchase are represntando three quarters of total household debt. Moreover, loans to nonfinancial corporations stood at 819,564 euros, 5.9% less than in May last year.
Firms offset the reduction of credit granted by financial institutions with securities, which increased by 7.2% to 68.658 million.
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