2018/12/17  
80% percent of salaried workers in debt, owing NT$2.28 million on average (2018/10/11)
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  • 英文 English 
    80% percent of salaried workers in debt, owing NT$2.28 million on average (2018/10/11)

    How bad is Taiwan's household debt? A new survey shows that 80% of salaried workers are stuck in debt as they struggle to pay off mortgages and car loans on comparatively weak wages. According to the survey, many Taiwanese are taking on part-time jobs or even more loans to stay afloat.

    Ms. Chiang’s paycheck is NT$25,000 a month. That barely makes a dent in her mortgage and car loan, so she juggles side jobs for extra income.

    Ms. Chiang
    Administrative assistant
    My monthly loan repayments add up to nearly NT$40,000. Aside from my regular job, I also do part-time work as a salesperson, a TV extra, and a sub. I get less than four hours of sleep a night.

    There are many people like Ms. Chiang, who take on part-time jobs to pay off their debts. A survey carried out by a job bank found that over 80 percent of salaried workers are in debt, owing an average of NT$2.28 million. Among them, 28 percent do nine days of part-time work a month on top of their regular jobs.

    Ho Chi-sheng
    Job bank manager
    The number of debt-burdened people goes down each year, while the total amount owed goes up. The main reason is a rise in the consumer index, as well as a change in the lending patterns of financial institutions.

    Amid a declining birth rate, the number of people carrying student loans dropped by 50,000 year-on-year in 2018, but the average amount of debt rose by more than NT$7,600. That number reflects an increase in the cost of living. Consumers are urged to borrow only within their means to avoid getting trapped in a cycle of debt.


    中文 Chinese  
    8成上班族背負貸款 平均貸款金額228萬

    薪水不夠用,還要買房、買車,上班族扛貸的壓力到底有多大?根據人力銀行統計,全台高達8成上班族背負貸款壓力,平均貸款金額228萬,因此不少人都得兼差還貸款,有人因此每天睡不到四個小時!

    月薪25K的江小姐,背負千萬房、車貸,讓他一有時間就在賣場打工賺取額外收入。

    [[行政助理 江小姐]]
    “(每月還貸)加起來快4萬塊,除了正職工作還有兼職,包括賣場打工、臨演拍戲、然後幫人代班、一天睡不到4小時”

    像江小姐這樣得兼差還貸款的人其實不少,人力銀行調查,超過八成上班族都有貸款壓力,平均欠款228萬,其中有2成8的人去兼差,平均每月得多工作9天。

    [[人力銀行副總經理 何啟聖]]
    “扛貸人數是逐年下降,扛貸金額普遍逐年提升,(主因)是消費指數提升,還有金融機構對於貸款型態的改變”

    隨著全台少子化趨勢,今年扛學貸人數比去年少5萬,可是金額調高7千六百多元,顯示出生活成本變高,班族貸款前,應該量力而為,別讓高額貸款壓到喘不過氣。

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