In a semi-annually survey that Ipsos has done for the bank, it comes out that half of the respondents between 18 and 29 years of age, do not have any budget nyttårsforsetter for the year we have initiated.
Also, the answer of 46 per cent of the young people that they are planning to spend more money.
Of these, two of the three spend more on general consumption, travel and leisure. Only 13 percent will spend more on housing, 6 per cent more on debt repayment and 4 percent more in savings.
– May be smaller
It troubles Trond Bentestuen, which is DNBs head of retail, that so many of the young people who will spend more money, prioritizes consumption over savings.
– We must teach people that they actually need to save money and use common sense, he says to NTB.
He points out that there are good times in Norway, but that people need to plan for that times can change.
– There is no doubt that people have high confidence in their own economy, which is reflected in indicators of consumption and saving. But it is also clear that it can come in tighter times, ” states he.
Boliggalopp
A runaway housing market and tighter equity requirements is one important reason why the DNB asks the young people to think through their spending habits.
In the Ipsos survey provide 67 per cent of those between 18 and 29 years of age that they will save more in the next twelve months.
the Young state often that they will increase their savings for future boligkjøp. It comes, among other places, by the fact that 62 percent of those between 18 and 29 years of age who want to save more, will put the money to housing.
But the DNB would like to see that more young people were saving even more.
– When house prices are rising, it means that the requirements to saving increases, because the authorities are now tightening on utlånspraksisen for domestic purposes. It means that banks have less opportunity to deviate on egenkapitalkrav, says Bentestuen.
House prices have increased dramatically in the last few years, especially in Oslo.
It has caused the authorities to intervene with stricter regulations. Requirement of 15 percent equity, and a provision that a customer’s aggregate loans shall not exceed five times the lost income.
In practice, this means that the young need to save more, or get help, to get into the housing market.
Boligbyråden reject the housing-failure: – We do everything we can
Kredittregister
Bentestuen and DNB has taken measures to help strengthen the upcoming generations of knowledge about personal finances. Therefore, DNB, in cooperation with the Red Cross, made “Lessons”, a free education program for 5.– 7.-graders. So far have 960 schools registered on the programme.
– We must take a responsibility to give the rising generation the basics about personal finance, ” says Bentestuen.
– If you don’t have it, you can incur large liabilities that you do not see the consequence of and end up in the “luksusfellen”, he stresses.
DNB-top points out that the availability of unsecured credit is good in the world today and is therefore well pleased with that the next year is going in a gjeldsregister.
– What have we missed and sought after for many years, states Bentestuen.
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