Table 3 Debt service to monthly income ratio (DSIR), Consumer debt to annual permanent income ratio (CDPIR), and Real consumer debt (in log): average values per borrower
From: Adverse selection, loan access and default behavior in the Chilean consumer debt market
Type of debtor | Debt service to income (in %) | Consumer debt to annual permanent income (in %) | Consumer debt (real value in UF) (in log) | ||||
|---|---|---|---|---|---|---|---|
All waves | 2007 | 2011 | 2014 | 2017 | |||
Bank | 29.7 | 21.4 | 4.1 | 3.8 | 3.8 | 4.0 | 4.4 |
Bank + Retail | 42.6 | 30.0 | 4.5 | 4.3 | 4.3 | 4.5 | 4.8 |
Retail Store | 22.4 | 10.0 | 2.3 | 2.5 | 2.1 | 2.3 | 2.3 |
Union Debt | 24.1 | 16.5 | 3.4 | 3.1 | 3.5 | 3.3 | 3.5 |
Other Debts | 31.7 | 32.6 | 4.8 | 4.4 | 4.7 | 4.7 | 5.1 |
All debtors | 29.2 | 19.3 | 3.4 | 3.2 | 3.2 | 3.4 | 3.8 |