reports Mehr News Agency , the US Federal Reserve in its seasonal report on household debt and credit It was announced that about 2.5 percent of the debt was deferred in the last three months of the year, the highest from the second quarter of the year. The total household debt, which consists of mortgages, student loans, car loans and credit card residuals, has increased by 4.9 percent and reached a record of $ 6 trillion.
The report suggests that Americans are increasingly financially difficult because they are facing the third year of rising interest rates by the US Central Bank aimed at lowering inflation. The New York Federal Reserve researchers in an article with this report specifically referred to car loans as a source of pressure.
Researchers wrote in the report that higher car prices, along with higher interest rates, pushed up monthly payments and put pressure on consumers throughout the spectrum of income and credit points. Since then, the price of second -hand cars has declined compared to peak and has potentially put some borrowers under the debt pressure of these vehicles and created potential refund challenges.
According to this report, transfer to Naking from serious debt, meaning 6 days or more of the appointed time Debt Debt, for car loans, credit cards and Home owners’ credit balances have increased but remained for mortgages.
The share of car loans that have become serious deferred has increased to 5 %, the highest rate of year 2, while the credit card share that has become serious arrears, with 4.9 % is the highest rate of year 2.
Credit Card Inventory recorded the fastest increase in the fourth quarter and increased by 4.9 percent. Car loan debt has increased by 4.9 %, student loan debt, and mortgage debt increased by 4.9 %.
shortly after the emergency states are all : //www.mehrnews.com/service/corona “> Corona , A federal program allowed borrowers to temporarily suspend or reduce their monthly payments for student loans, which meant that lost payments between the second quarter and the third quarter were not reported to credit offices. / P>
millions of Americans may now be left behind, but it takes at least 2 days to They report that the New York Federal Reserve report says that lost payments will probably appear in the reports in the first quarter. Became.
