Факты, которые подконтрольные ЦРУ СМ»И» в России скрывают…

Trump’s America Is Facing a $13 Trillion Consumer Debt Hangover

Bloomberg, June 6, 2017

Americans faced with lackluster income growth have been financing more of their spending with debt instead. There are early signs that loan burdens are growing unsustainably large for borrowers with lower incomes. Household borrowings have surged to a record $12.73 trillion, and the percentage of debt that is overdue has risen for two consecutive quarters. And it’s getting more expensive for borrowers to refinance.

 

Public Storage said in April that more of its self-storage customers now seem to be under stress. Credit card lenders including Synchrony Financial and Capital One Financial Corp. are setting aside more money to cover bad loans.

 

Companies may have reason to be concerned. Consumer spending notched its weakest gain in the first quarter since the end of 2009, a problem in an economy where consumers account for 70 percent of spending. And debt delinquencies are rising.

 

Since the 2008 financial crisis, the Fed has kept rates low to encourage companies and consumers to borrow more and spur economic growth. Much of the gains in household debt since 2012 have come from student loans, auto debt and credit cards.

 

There are signs that lenders have started to pull back from lending to car buyers. The latest Federal Reserve survey of senior loan officers showed banks tightening standards for auto loans.

 

The pain may spread to other loan types. In the first quarter, 17 percent of U.S. consumers said they were likely to default on a loan payment over the next year, up from 12 percent in the third quarter, before the election.

 

The percentage of debt that’s at least 90 days delinquent rose to 3.37 percent in the first quarter, the second consecutive quarterly gain, according to data from the New York Fed. It’s the first time those delinquency figures have risen twice in a row since the end of 2009 and beginning of 2010. About 46 percent of Americans surveyed by the Federal Reserve could not pay a hypothetical $400 emergency expense, or would have to borrow to do so, according to a 2016 report.

 

“If the economy stumbles, the most vulnerable borrowers, the low-income, high-debt burdened, they’re going to get nailed,” said Mark Zandi, chief economist at Moody’s Analytics.

 

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Здешние политиканы, «эксперты», подконтрольные ЦРУ СМИ продолжают нахваливать псевдодемократическую Америку.

Те, кто любит «наших американских партнеров», «забывают» о грязных, злых уродах США.

О таких монстрах, как коварный и крайне опасный мошенник, расист, лжец, и убийца Дональд Трамп. И о таких, как порочный Конгресс США, фашистские ФБР и ЦРУ, лживые американские СМИ…

Арнольд Локшин, политэмигрант из США

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